vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: AR

Complaint narrative:
In accordance with the fair credit reporting act, XXXXXXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U. S. C 1681 section 604 A Section 2 : it also states the 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 explanation
Consumer complaint received 2022-09-15 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: Skopos Financial, LLC
State: MO

Complaint narrative:
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2022-09-15 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: OneMain Finance Corporation
State: MO

Complaint narrative:
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Onemain Financial, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not 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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I attempted to log in to transunion.com to review my freeze status on XX/XX/22. When I logged in, I received a message saying my account was temporarily suspended. No other information was provided. On XX/XX/22, I saw the same message. I contacted Transunion support at XXXXXXXX XXXX that day, the representative reset my password and told me to wait for an email. We disconnected as she thought that would solve the problem. I received the email and logged back in, only to get the same message about my account being suspended. I called back to support, at the same number, at XXXX XXXX. I spoke to another representative who, after 14 minutes, was unable to figure out what the problem was. He told me the issue was 'escalated ' and someone would get back to me. I was not given a case number or any information to follow up with. I have yet to hear back from anyone, and my account is still suspended. 
Today, XX/XX/22, I received a notification from another reporting service that an inquiry occured through Transunion. Because I was not able to log in previously, I could not reinstate the freeze on my account as I had planned to. And I am unable to verify the information regarding this inquiry.

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Ive tried a number of times to get my account unlocked and they keep messing me up and telling me stupid stuff. Which is Navy Federal Credit union in XXXX. They have stolen over a XXXX dollars from me and I think they are laundering money through my account some how. I have filed a complaint against them before and still nothing...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At the date of XXXX XXXX, I tried to send money to my friend by XXXX app through Bank of America. It was his rent money but he never received it. The money which was {$3200.00} went to the wrong person. I used XXXX because I trusted Bank of America but theyre not taking any responsibility to give my money back. They keep telling me that I have to ask the receiver but I dont know them and when I contacted the number and left massage no one contacted me back. My friend is in hard situation and desperately need that money for his rent. The receiver has account in XXXX as well but the bank not trying to get my money back to me. I need them to recall the money or inform the person who is their customer, to return back my money to my account. Im customer of XXXX for almost 20 years. If they dont want to help me it would make me so disappointed and Ill close my account with XXXX XXXX XXXX app is promoted by bank but its so frustrating that bank doesnt take any responsibility for covering the fund which is a customer loss. Thats the bank job to cover by loss. I filled the claim with bank and reopened it two more times but they denied my request. Please help me ASAP. Im looking forward to hear from you soon. Please contact me at my phone number or email.

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 2022-09-15 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: DC

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, 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 XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-09-15 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: DC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$91.00} XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}

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 2022-09-15 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Here is the account of which does not belong to me or was opened without my permission. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. TransUnion is showing a Last Reported date of XX/XX/2022, XXXX showing XX/XX/2022, and XXXX is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between TransUnion and XXXX / XXXX. High Credit Amount is different between XXXX and TransUnion / XXXX. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX  XXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for TransUnion, XXXX is showing XX/XX/2022, and XXXX is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.

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 2022-09-15 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: DC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$91.00} XXXX XXXXXXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}

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 2022-09-15 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: DC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$91.00} XXXX XXXXXXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: DC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$17000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$44000.00} XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-15 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: DC

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: DC

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, 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 XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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