vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: GA

Complaint narrative:
Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX  Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX  XXXX XXXX Unsecured loan with account # XXXX XXXX  XXXX XXXX Installment sales contract with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Auto Loan with account # XXXX XXXX XXXX XXXX credit card with account # XXXX XXXX XXXX XXXX Auto Lease with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX Credit Card with account # XXXX XXXX XXXX  Credit Card with account # XXXX XXXX XXXX  XXXX Credit Card with account XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In review of my Equifax credit report I noticed that there are three ( 3 ) accounts that are reporting inaccurate information.

1 ) Collection account with no information of who the creditor is, no contact onformation, no original creditor no account name. ( see attached report ) 2 ) XXXX XXXX  XXXX - Account is reporting closed, however there are three ( 3 ) late payments reporting in 2019. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( see attached ) 3 ) XXXX XXXX The account " Status '' is reporting as " Charge-Off '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was asdvised by the creditor to contact the credit bureaus to correct this matter. ( see attached ) I would like for Equifax to review these inaccurate reporting information and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
When we did our home equity loan we had two parcels of land that were included in the Mortage and should have only been one. The deed for the second land is tied up and we are unable to do a home equity loan on the second parcel. It has been around 45 days and planet home lending is dragging their feet on releasing the second parcel. I have called multiple times and gotten very little information about what is going on. The people handling it will not call us back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-29 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: EAST WEST BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX initiated a wire transfer from my brokerage account XXXX  account from Account # XXXX ( XXXX ) XXXX in the amount of {$85000.00} to. Please be advise the intended recipient was suppose to be as followed from XXXX ; Account ; XXXX XXXX Account # last 5 digits # XXXX routing # XXXX XXXX  ; XXXX XXXX XXXX ; East West Bank Address ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Federal reference XXXX XXXX XXXX on East West Bank for depositing a check made out to XXXXXXXX XXXX XXXX while the intended account holder is XXXX XXXX this check should have never been deposited under the incorrect recipient. 

Complaint The Consumer ; XXXX XXXX Address XXXX XXXX XXXX XXXX, NJ XXXX is asking to forward the Check back to either XXXX account XXXX ( XXXX ) XXXX due to lack of Service nor Goods receive, the severity of this complaint negligence on part of East West Bank depositing funds into the wrong recipient, which should never had occur. 

XXXX has made an effort to recall funds under case # XXXX not once but several times dates are as followed all year XXXX ; XXXX XXXX XXXX XX/XX/XXXX after XXXX attempts and a certified letter from XXXX XXXX addressed to the East West Bank. The Bank has not cooperated in returning the funds to the rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I checked my credit report XX/XX/XXXX and noticed that I had a lot unauthorized inquiries on my report. I called the inquirys directly and was and advised to call the credit bureaus. I called XXXX and XXXX and had no issues. When I called TransUnion they said they could do nothing to help. When I asked why they told me I would have to contact the inquirys directly. I told them the inquirys told me I had to go through the bureaus because they couldnt do anything so I needed a different solution. TransUnion told me they could do absolutely nothing nor was there a supervisor or anyone for me to talk to. 

The inquirys that were unauthorized were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: CA

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX : XXXX has all violated my rights. 

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 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 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is sharing my no public personal information with nonaffiliated third parties XXXX, XXXX and XXXX. Capital One does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, they withheld my nights to being able to opt out of sharing, they are reporting private information to the consumer reporting agencies and they are in violation of multiple federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo dealer services has submitted a charge off this XXXX of XXXX. The account was paid off in XXXX of XXXX. The charge off indicates XXXX XXXX The last payment of XXXX $ was paid in XXXX of XXXX. This was so long ago and I do not have the vehicle any longer I do not have the pay off letter that I received in XXXX. This reporting of a charge off that was never done is being reported 4 and XXXX years after the last payment was recorded. Its been to long for me to still have the verifiable paperwork to disprove this charge off.

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: KY

Complaint narrative:
I received a phone call from First Nat'l Bank of Omaha about a XXXX XXXX credit card that had been applied for in my name on XXXX. When I called them, they told me that the card had over {$1000.00} charged on it. I was told by the gentlemen in the fraud department that I would not have to worry about the fraudulent charges and that info would be sent to me in the mail.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/2023 PNC Bank _________________ _________________, _________________ _________________ Re : Dispute of Bank Transaction ( s ) Dear Sir or Madam : I am the owner of account # _________________.

I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Date Amount Merchant Name Bank Ref. # _________________ {$2000.00} _________________ _________________ I did not make or authorize these transaction ( s ) that appear on my account and I am the victim of identity theft. I have enclosed a copy of my monthly bank statement which lists the unauthorized transactions. Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 
The bank closed my account because if a fraudulent check and the check was a work check and I wasn't aware of it being fraudulent and after it was cashed it was told to be fraudulent Enclosed are copies of the following documents, evidencing the fraudulent activity : _________________ Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so. 
Please contact me if you have any questions or need additional information. I can be contacted by phone at XXXX. 
Thank you for your prompt attention to this matter. 
This is a XXXX document. Page 1 of 2 Sincerely, ______________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I have XXXX debts on my credit report that are not from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent Experian a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice

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 2023-03-29 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: FL

Complaint narrative:
These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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 2023-03-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I filed a complaint, again, against National Credit Systems. I requested that they remove the collections from my accounts because my signature and that of my late husband, did not match ( not even close ) to the paperwork they have on file, I also filed an affidavit for Identity Theft as I have been dealing with that a lot more lately. 
They have removed the collections from my XXXX report, but not from XXXX and XXXX. why is that? Will they please just remove it already. According to XXXX, it was voluntarily removed by National Credit Systems.

Company response to consumer: Closed with explanation