vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XX/XX/22 and XX/XX/22 CIT bank collected sensitive personal info including SS # DOB etc As XXXX account numbers of other bank accounts I have with XXXX XXXX and First Citizens Bank without opening an account for me which according to XXXX who refused to give me his last name was due to problems on there end I am attaching confirmation that after linking to XXXX XXXX asked me to try a different way at which time I entered my account and routing XXXX XXXX this also did not work. 
This went on for XXXX hr XXXX minutes I have confirmation from. my identity theft service that CIT ran an XXXX XXXX on me also attached. As well as email from XXXX that they did link to my accounts without ever opening an account for me I informed XXXX XXXX XXXX XXXX that I wanted XXXX deleted he said he would pass my request on. 



I believe it is fraudulent to ask for linkage to other banks when I do not have an CIT Account. 

I am requesting that CIT delete all the identity and Bank account info I provided and confirm that they have done so. 

I am also request that the appropriate agency investigate CIT practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.

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 2022-10-06 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: NV

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 U.S.C 1681.

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date XXXX Account balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX XXXX number XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NV

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 U.S.C 1681. 

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date XXXX Account balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX XXXX number XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
to whom it may concern, the following happens, I make a report for unrecognized charges for the amount of {$3800.00} dollars with XXXX  number XXXX that Wells Fargo provided me, I waited long enough for a resolution and they sent me to say that they will not reimburse me at all, I do not understand why For this reason, if I never authorize, never sign or enter any PIN, they must improve their investigation method, the total amount of unacknowledged expenses is {$7200.00}, this amount divided into two claims because the lady who helped me with my report to the bank I forgot to put this other amount {$3300.00} with XXXX XXXX this same amount awaiting a resolution in a few more days, hoping it will be favorable, then I will tell you what happened with my debit card. 
I received a call from a friend telling me that they called her because I had her business card in my wallet and that the wallet had been found in a garbage can, right away my friend called me to talk to me and accompany me with said lady, she told me She asked us to go to her house and I went, she gave me my identification and everything I had in the bag, as soon as I saw that my debit card was also there I was very scared and ran to the nearest store to make a purchase to see if there was still money in my account and if I was able to buy and I calmed down a bit, I immediately checked my bank application and that's where I realized that they had used my card making various charges. 
without further ado for the moment I hope you can support me with this citation thank you very much

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 2022-10-06 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: FL

Complaint narrative:
I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from Transunion stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that Transunion never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by Transunion and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account 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 2022-10-06 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: FL

Complaint narrative:
I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or Equifax. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: FL

Complaint narrative:
I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from Experian or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account 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 explanation
Consumer complaint received 2022-10-06 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: FL

Complaint narrative:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-10-06 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:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well their inability to report accurate information on my Credit File. I previously sent a letter addressed to the Credit Bureaus dated XXXX XXXX, requesing that the Credit Bureaus take their time to VERIFY THE INFORMATION THEY REPORT ON MY CREDIT FILE. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06 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: NC

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well their inability to report accurate information on my Credit File. I previously sent a letter addressed to the Credit Bureaus dated XXXX XXXX, requesing that the Credit Bureaus take their time to VERIFY THE INFORMATION THEY REPORT ON MY CREDIT FILE. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06 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: MI

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

1

5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

XXXX XXXX XXXX  has been going under three names in my credit report as : XXXX XXXX XXXX  XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). As of this date XX/XX/XXXX they were removed twice and reappears on my report under one of the different names. Please remove this account as soon as possible! 


UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Accounts : XXXX XXXX  Bankruptcy Account XXXX Account XXXX Balance : $ {$0.00} XXXX XXXXXXXX XXXX XXXXt XXXX Account XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Opened : XX/XX/XXXX XXXX : {$420.00} XXXX XXXX : Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2022 I ordered a teller check for a deposit for a rental home. I called several times to check on the status of the funds as they were never received by the company. Every time I called I was provided different information regarding where the funds were sent. After multiple calls and requests for resolution I still have none. I am told they cant cancel payment on the lost check for 90 days. I was never told that they could keep my money for 90 days even if it is their error. Now I will be losing my rental home and likely be homeless with my child and have no way to recover these funds to pay my bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETE. The Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

Company response to consumer: Closed with explanation