vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please eliminate these questions. I have no information about them, and the company proceeded without my approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Attempted to wire money to my friends in XXXX whonarr training my dog. Deposited money with Navy Federal and filled out paperwork to wire to XXXX bank account. The bank took the money, took the paperwork, but never submitted the wife transfer. I found out 45 days later when my friends asked about the money. Navy Federal once again took money, did notnperform services, and did not justify or notify me of anything. Went into the bank many times and was not provided any answers as to why the wire transfer did not get submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 


XXXX  - Inquiry Date : XX/XX/XXXX Globallend - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 


XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NM

Complaint narrative:
XXXX  XXXX XXXX  date open according to XXXX date opened XX/XX/XXXX {$640.00} Loan Type CREDIT CARD ( Fraud not me ) XXXX XXXX ( Fraud not me ) XXXX Date Opened XX/XX/XXXX {$210.00} XXXX/FORTIVA XXXX : {$940.00} Date Opened XX/XX/XXXX XXXX ( Fraud not me ) XXXX XXXX : Balance {$440.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Closed ) Date Opened XX/XX/XXXX Pay Status >Charge-off< XXXX XXXX XXXX XXXXXXXX {$460.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX My phone number needs to be off public records too please ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I dont recall this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted several disputes to Equifax, requesting that they update this account. However, they have consistently ignored these requests, blatantly disregarding the laws in place. This account has been paid in full for over a year and has no late payments, yet they continue to report inaccurately. This is not in line with the requirement for maximum accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Several of the listed accounts have inaccuracies regarding the reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
According to FCRA 605B, any erroneous accounts should be removed from my credit report. Could you review the documents? There are inaccuracies in some of the listed accounts, particularly in terms of amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
FCRA 605B requires that any incorrect accounts be removed from my credit report, in my opinion. Could you check the documents? Some of the accounts listed are inaccurately reported, with incorrect amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Kindly delete these inquiries. I am not familiar with them, and the company acted without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 

XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 

XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On Wednesday the XXXX of XXXX I had gone to return a used car to XXXX XXXX of XXXX. As I sat down with the XXXX XXXX by the name of XXXX XXXX XXXX of the first things I had explicitly told him was that I did not consent to run my credit. When I told him I would not finance with the dealership and that I wanted a refund instead I was threatened with getting charges pressed against me and was harassed. 

During XXXX of the periods he stepped out of his office to speak with his manager, I noticed that there were multiple credit reports ran on me with various banks. Many of these banks I have never even heard of in the span of under XXXX minutes as I saw push notifications from experian as this transpired. Some of these include XXXX XXXX, XXXX and XXXX. XXXX XXXX of XXXX is the name of the dealership and XXXX of the inquirers on the XXXX despite expressing vocally that I did not agree to have my credit ran. I did not apply for credit with any company at any time on XX/XX/year>. 

I had confronted the finance manager and he said and insisted that I had to finance that day with the dealership including handing me a quote for a finance payment that I did not agree to and did not sign anything that day. He did not give a real answer as to why he had ran my credit and persisted and demanded that I sign on for financing. I had left the vehicle in the dealer lot and my keys with the finance manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing an account with XXXX  XXXX ( Account # : XXXX ) opened on XX/XX/year> due to misleading and false reporting, which violates 15 USC 1681. This account was created without my consent and must be removed from my consumer report promptly. I have requested that all verification documents bearing my wet signature be mailed to my address and object to any publication of medical information on my report, citing privacy and HIPAA concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing an account with XXXX  XXXX ( Account # : XXXX ) opened on XX/XX/year> due to misleading and false reporting, which violates 15 USC 1681. This account was created without my consent and must be removed from my consumer report promptly. I have requested that all verification documents bearing my wet signature be mailed to my address and object to any publication of medical information on my report, citing privacy and HIPAA concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Sold one of my cars and deposited check into Navy Federal. Waited for check to clear and when it did I attempted to withdraw some cash while on vacation to buy another car. Bank froze all of my accounts, blocked me from online and in person and ATM and credit card access. Unable to use any of Navy Federal accounts or services or my money in their systems. Fought with bank for hours on the phone and did not get reason or justification why all my accounts were frozen and halted. It was weeks before I could gain access to money and services again with Navy Federal. Still do not have justifications or reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: WY

Complaint narrative:
I received an email from Barclays offering a promotional rate of 0 % through XX/XX/year> on a credit card balance transfer or for a transfer to personal checking account. Logged into account. Only offer available was a credit card balance transfer. 
I contacted the customer service. They talked to their manager. Bank refused to honor request. Further, they had no interest in receiving information on the offer I did receive. It was very frustrating and was belittled by the employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe that FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you verify the documents? Some accounts listed are inaccurately reported, with incorrect amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I recently received a copy of my credit report yesterday. 
Someone used my personal information without my knowledge to open a fraud XXXX phone account. 
This fraud account was not authorized or opened by me and shall delete from my credit report. 
I should not be responsible for a fraud account that I don't have any knowledge of. 
I already contacted the phone provider and was told the account was flagged as fraudulent but somehow this fraud account still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief