vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern, this letter shall serve as a formal notice of my intent to file a complaint with the FTCXXXX XXXX  due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated XX/XX/2022, as well as my follow up letter. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).! am maintaining a careful record of my communications with you on this matter, for the purpose of filing a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX, XXXX. XXXX ), you may be liable for you willful non-compliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 65 day and again 40 days ago : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My last XXXX XXXX XXXX CFPB was XX/XX/2022 ( XXXX XXXXXXXX XXXX XXXX, XXXXXXXX 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 2022-08-09 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: VA

Complaint narrative:
My name is XXXX XXXX and I'm noticing on my credit reports there are accounts that are delinquent and reported consistently when I have no record of giving anyone my information to furnish any information. Wondering why I would have issues for any loans and preventing my family future. Higher interest rates have been applied and need refunds and deletions of ALL ACCOUNTS I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/2022 Nordstrom Card Services Attn : Fraud Department XXXX XXXX XXXX XXXX, Colorado XXXX Re : Fraudulent Application Nordstrom Card Ladies and Gentlemen : I received the enclosed letter from you dated XX/XX/2022 indicating that you received an application in my name for a Nordstrom Card account . I did not apply for a Nordstrom Card account and the application was fraudulent. 

Please refer the application to your fraud team for investigation, treat this as a complaint, and remove any soft/hard credit inquiries made as a result of this fraudulent attempt to open an account in my name, and advise me when this has been completed. 

If you require additional information to complete your fraud investigation, please contact me at the above address/email/telephone. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Today XXXX ; I received a notice of delinquency on my credit report. After reviewing all statements I came across a late charge fee that would infer that I was late on a credit card payment with Pentagon Credit Union. Three months ago XXXX granted me a credit increase and a balance transfer. During this process XXXX experienced an internal records issue that I am unable to discern. During the process I was issued 2 new cards. As a result, automatic payments were no longer processed accurately and Pentagons systems reported derogatory information to the credit reporting agencies. This was completely out of my control and Pentagon credit union refuses to take responsibility for this failure of their systems. This is impacting my financial standing and causing me great hardship. I would the records to be updated and remedied, as if Pentagon federal credit unions systems worked properly.

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 2022-08-09 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
we took a cruise in XXXX XXXX i went to get on the boat and i was told that even though i was vaccinated my wife and i was going to have to take a covid test before we got on the boat. XXXX  employees led us to another room where we waited in line for this test that i was never told was required. i asked 3 employees if there was a charge for this service and no-one knew the answer. We took the test and got on the boat. the next day when i checked the balance on my card their was a XXXX XXXX test charge on my card. i immediately went to the ships service desk to complain about this charge. the showed me a form that had a signature on it that clearly was not my signature. i was never told of this charge nor did i sign any form agreeing to this charge. i disputed the charge with the credit card company and they credited me the XXXX back. i paid the balance that i charged and closed the account with a XXXX balance. now 2 months later they have decided to charge me the XXXX back on my closed account and charge me a XXXX late fee because they believed the form that had my forged signature on it that i agreed to the charge. once again i did not sign this form and i did not agree to this XXXX charge. it is clearly not my signature. and they charged the money back after i closed the account.

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 2022-08-09 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:
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a certified letter to the XXXX credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all XXXX credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.

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 2022-08-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a certified letter to the 3 credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all XXXX credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ADP Inc.
State: MA

Complaint narrative:
I received a debit card today XX/XX/2022 under my name that I never applied for from a company called Wisely. I attempted 3 phone calls to XXXX to see whats going on. Calls are going to XXXX and the customer service is asking for my social security which I am not providing them with. I gave them the debit card number and they are unable to provide me with any information. I went to their website mywisely.com and tried to recover the account. I cant recover the account because the email is set up to some outlook address that Ive never heard of. I need help to find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a few unauthorized adverse Navy Federal credit union accounts on my consumer report. pursuant to 15 USC 1681b ( 2 ) -permissible purpose no consent was given. 


XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. 

In certain cases the errors were significant enough the differential was at least 25 points for around 300,000 consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 

it appears that I maybe one of the victims as these accounts was not authorized or no consent. I want the suspect accounts removed from my consumer report and XXXX provide me with a confirmation numbers for every account mentioned here. 

Please send me my consumer report showing the deletions as proof or evidence. 

The accounts to be removed are two Navy Federal charge off adverse accounts on my credit report. Please remove them and provide confirmation number for removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: SC

Complaint narrative:
To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : 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 2022-08-09 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: SC

Complaint narrative:
To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : 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 XXXXXXXX Phone numbers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I still have unauthorized information on my consumer report under 15 USC 1681 ( a ) 3 Equifax has assumed my role and DID not ask permission to put information on my consumer account. As also stated in the congressional finding 1681 ( a ) 4 the credit reporting agency did not exercise their GRAVE right and duty to be impartial, fair, and my right to privacy. Equifax purposefully kept information on my account after being instructed to lawfully remove it. Equifax has intentionally committed fraud by not removing information as instructed by me but also by the Office of the Attorney General State of Florida pertaining to the winning of the XXXX XXXX XXXX Multi State law suite This information should have been removed but still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX and XXXX Accounts account # XXXX, has 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

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Credit company " PNC Bank '' is reporting late payments on all 3 credit bureaus. 
dates : XXXX and XXXX year:XXXX. I did not give permission or consent for " PNC Bank '' to give a third party, which is the " Credit Bureaus " authorization to report late payments. I have never had the opportunity to Opt Out of any information being disclosed to a third party. Clearly this is a violation and this is hurting my credit score.

( Action ) The action that was taking was me send a dispute letter to the company ( PNC Bank ) and this.

pursuant to 15 usc 1681 ( 2 ) ( A ) ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report ; So that means any transaction between the consumer, which is I, XXXX XXXX and the " person '' which is the creditor, " PNC Bank ''. 

Pursuant to 15 usc 6802 ( b ) ( 1 ) ( A ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  Account XXXX XXXX XXXX XXXX # XXXX, has 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

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 2022-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
Near the end of my lease with Infiniti Financial Services ( XXXX ) I traded my vehicle to a XXXX dealership where I leased my new vehicle. 3 weeks later I checked to see if the Infiniti lease had been paid off by the dealer and was informed that XXXX had returned the check and would not allow the vehicle to be purchased by a third party dealer. I was told to contact the XXXX dealer and figure it out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX  Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX has 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 an account without my written instructions.

Company response to consumer: Closed with explanation