vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive reached out to all 3 bureaus going over my rights that have been violated numerous times I also have disputed several of the items on my credit report as incorrect some of them over 7yrs XXXX that just need to be deleted moving forward hopefully for the ones that dont please keep in mind how important credit is for people I will list accounts in fraud case I also sent it by mail to each not all bureaus have the same accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : 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 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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 am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from 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
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i have 10 open disputes with equifax. I keep filing disputes with ftc id theft reports. i have done everything I could to have 3 accounts removed XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. i reached out to each creditor and XXXX of them mXXXX XXXX and XXXX, informed me that it was up to the credit reporting agencies to have the accounts modified or removed because they are paid and closed but showing lates. for the XXXX XXXX, the reason i was late because they kept taking money out of my account when i told them not to and then with exeter i told them the vehicle was faulty and that someone compromised my checking account with XXXX XXXX XXXX XXXX at the time. i have called equifax at least 10 times a day trying to get a resolution but they keep saying wait for the investigation to complete. i am at the point of suing them for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America chose not to do business with me. They have yet to notify me of why stating they do not have to provide me with a reason. Next they stated my account was closed. The account was not closed so my deposits still went into that account. They will not release any of my funds and keep telling staff to not provide me my funds or any information regarding my account. They stated it would take 10 days to close. They have stated it closed on the XXXX but no check was issued out. Today on the XXXX a man named XXXX in the risk account closure XXXX stated theyll close my account when they close it. No set date ever has to be made nor information provided. I would like the funds off that account and for Bank of America to be held accountable for their lack of information and understanding towards a consumer.

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 2023-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I've been a CapitalOne customer for 10+ years, currently having 6 different accounts with them ( checking, savings, CD, credit card, etc ). I've tried to open an additional Savings Account ( Performance Savings ) with them on XX/XX/XXXX using their online banking interface. As a step in that process the system asked for me to upload my government ID, for which I uploaded my current drivers license. The system accepted the upload, but later I got a message that I still need to call their customer service to complete the process. Once I called, it was revealed to me that the process of ID verification has failed, and I need to do it again. Customer representative needed to send me a code to my phone number to proceed, but was unable to do so. I have two phone numbers on file with CapitalOne, and neither worked. One of the numbers is a virtual phone line ( XXXX XXXX ), which indeed doesn't work sometimes with some services. But the second line is a legitimate cellular number in my name, yet they were unable to send the code and at that point it was too much hustle to continue so I aborted the request. 

Scrolling forward, on XX/XX/XXXX I decided to try again opening that same type of account with Capital One. This time I tried to use my valid US passport for verification. The system again accepted the upload, but next day I again found a message that it didn't work and I need to call CapitalOne. I also logged into my CapitalOne online account and found that all of my accounts are frozen. I called CapitalOne, and was informed by the customer representative that I my accounts are frozen because I failed ID verification. They sent me a link to upload the ID again, which I did, getting the confirmation screen that the upload was successful. However, representative informed me that my ID verification failed, and they need to send me the authorization code to my number. Basically the same process that I described earlier from XX/XX/XXXX. This process again failed. Representative then suggested they are going to do me a " favor '' and work around the system to unlock my accounts, but the call disconnected and accounts remained locked. 

In summary, CapitalOne utilizes an ID verification system that is extremely unreliable. CapitalOne also utilizes authentication system via SMS messaging that is unreliable. The result is that a customer may end up locked out of their money. I don't have access to my accounts as of right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2023, XXXX Transunion, and XXXX reported adverse information on my credit report without authorization, from the following financial institutions : XXXX. XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXX XXXX XXXX ( CLOSED XXXX ) 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX  XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX XXXX ( CLOSED XXXX ) XXXX. XXXXXXXX XXXX XXXX CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXXXXXX XXXX  ( CLOSED XXXX ) In accordance with the Fair Credit Reporting Act, I have asserted my rights to privacy. The consumer reporting agencies stated above as well as the financial institutions lack my consent for sharing my information. They've reported adverse information without authorization, which violates the law. I must point out that 15 USC 1681, section 604 ( a ) ( 2 ) states that : a consumer reporting agency can furnish a consumer report only with explicit written consent from the consumer in question. In this case where the aforementioned financial institutions providing information to credit agencies, I have not granted any form of consent, whether verbal, non-verbal, written, or implied to XXXX, Transunion, or XXXX or any of the financial institutions. I hereby revoke any such consent that might have existed. Also in accordance with 15 USC 6802 ( b ) ( c ), financial institutions are restricted from sharing nonpublic personal information with nonaffiliated 3rd parties unless consumers are informed of their ability to opt out. I was never informed by the mentioned financial institution of my right to exercise this option. Moreover, as stipulated in 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency is permitted to include specific adverse information in a report without authorization, unless it pertains to convictions older than 7 years. The account ( s ) listed above that are being reported falls within this category of adverse information, and its reporting without my consent is in violation of the law.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2023, Equifax XXXX, and XXXX reported adverse information on my credit report without authorization, from the following financial institutions : 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  In accordance with the Fair Credit Reporting Act, I have asserted my rights to privacy. The consumer reporting agencies stated above as well as the financial institutions lack my consent for sharing my information. They've reported adverse information without authorization, which violates the law. I must point out that 15 USC 1681, section 604 ( a ) ( 2 ) states that : a consumer reporting agency can furnish a consumer report only with explicit written consent from the consumer in question. In this case where the aforementioned financial institutions providing information to credit agencies, I have not granted any form of consent, whether verbal, non-verbal, written, or implied to Equifax, XXXX, or XXXX or any of the financial institutions. I hereby revoke any such consent that might have existed. Also in accordance with 15 USC 6802 ( b ) ( c ), financial institutions are restricted from sharing nonpublic personal information with nonaffiliated 3rd parties unless consumers are informed of their ability to opt out. I was never informed by the mentioned financial institution of my right to exercise this option. Moreover, as stipulated in 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency is permitted to include specific adverse information in a report without authorization, unless it pertains to convictions older than 7 years. The account ( s ) listed above that are being reported falls within this category of adverse information, and its reporting without my consent is in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/XXXX, I was charged 3 different charges on my Apple Credit card. The charges were {$9.00} for a game streaming service, {$190.00} for the same game streaming service, and finally {$190.00} for the same exact game streaming service. 

All of the charges were made at around XXXX. When I woke up the next morning, I saw the notifications sent from apple about the charges that were charged to my card the night before. The charges were made by my son, who is a XXXX I disputed the charges with Apple by telling them the charges were made by my XXXX son. Apple refunded the {$9.00} charge but, the say the two {$190.00} charges are ineligible for refunds.

I argue that Apple is not looking out for their customers. I have had this card for approximately 3 years. I have never made any purchases on any gaming websites. For them to just allow the charges to go through in the first place is outrageous. You would think they would be proactive to avoid fraud to themselves and their customers. 

As part of a previous lawsuit against apple, " Apple was required to modify it's billing practices by making sure to receive consumer 's explicit consent for current and future in-app charges and that the consent could be withdrawn at any time. '' I never gave explicit consent and I would like the 2 charges of {$190.00} refunded back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

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. 

The letters are stated with items and issues.

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 seven 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 response to consumer: Closed with non-monetary relief