vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 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 XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX I received an email about an account I opened up today from TD Bank which I did not do. I called immediately to tell them that wasn't me.they told me to repot it here and call to report it else where.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: TN

Complaint narrative:
I have 5 employer listings that are not true and need to be deleted and 2 previous addresses that are not true and need to be deleted. Also 6 unauthorized inquires that need to be deleted. There are also accounts that are not mine and accounts I want validated see letter of explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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:
I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this. 

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT. 

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).

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 2022-06-04 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:
I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT.

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: NC

Complaint narrative:
I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT.

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).

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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: NE

Complaint narrative:
Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: NE

Complaint narrative:
Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.

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 2022-06-04 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: GA

Complaint narrative:
Company- XXXX Called and was stated to file complaint with FTC XXXX 
Fraudulent Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX ) Company- Equifax Called about inquiries was stated to file complaint with FTC Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Company- XXXX Called about inquiries was stated to file complaint with FTC Fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A fraudulent charge was made on my Wells Fargo account by XXXX for the amount of {$15.00} on XX/XX/2022 and again on XX/XX/2022. I disputed both charges and requested a new credit card. I have since received my new card ( have not activated it ) and today I received another message stating there is a charge from XXXX in the amount of {$15.00}. I contacted Wells Fargo and I asked to close my credit card account and disputed the charge. I was given the run around when I asked to go ahead and close the credit card account. The first 2 disputes are still in process. I have asked for an update and was not given one and told to call back when the claims department is open. I don't use this credit card at all my XXXX account is linked to a different credit card.

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 monetary relief
Consumer complaint received 2022-06-04 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 act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

# 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 15 U.S.C 1681 section 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-04 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: GA

Complaint narrative:
Company- Experian Called and was stated to file complaint with FTC Fraudulent Inquiries : XXXX XX/XX/XXXXXXXX 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 2022-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Pursuant to 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result.

You broke the law by furnishing this account on my consumer report. Pursuant to 15USC 1681 ( A ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report. This law also states reporting missing or late payments is NOT allowed.

Pursuant to 15USC 1692E ( 10 ) using deceptive means to coerce a consumer into paying a debt. You broke the law when you filed a 1099C but continue to ask me to pay on the alleged obligation by actively reporting a " charged off '' account to the consumer reporting agencies and garnishing payments from my bank account without permission. You also broke the law and committed identity theft when you sold my information to CONSERVE and had them CALL and harrass me until I agreed to pay on the alleged obligation. 

These errors may be assumed to be a willfully intent on misleading or deceiving the consumer of the character/amount of any debt 15 USC 1692e . ALL debt obligations and securities are owed to the United States 18 USC 8.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

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 2022-06-04 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: GA

Complaint narrative:
I disputed this account ( XXXX XXXX XXXX Account Number XXXX ) on XXXX XXXX for continuing to report inaccurate information on my credit report. They did not due a proper investigation or provided me with the paperwork that they suppose to have that is required by the FCRA. They wrote me back the following month and only remove one month off my credit report that was showing charge- off. After that one month, they are continuing to report a charge-off every month. They are falsely manipulating the statue of limitations on this account after I disputed this account with factual information that their company provides. I will upload my original dispute letter. I have also contacted the creditor and they have failed to respond numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: FL

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 XXXX XXXX. 
/ :. XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY EXPERIAN CREDIT REPORT. 
/ : XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY EXPERIAN CREDIT RPORT. 
/ :. XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 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. 1681 C. ( 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. 45U.S.C. 1681 S- 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 non-monetary relief
Consumer complaint received 2022-06-04 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: OH

Complaint narrative:
I already requested the original contract for validation, but still, no letters nor original contract have been sent to me. These accounts are still on my report and my request is still being ignored. I sent already a validation letter and an FTC report as the bureau requested. I am being ignored which shouldn't be the case as the law states that I am able to request a contract that they have on me with this company I listed.

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 2022-06-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 2022-06-04 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: OH

Complaint narrative:
I already requested the original contract for validation, but still, no letters nor original contract have been sent to me. These accounts are still on my report and my request is still being ignored. I sent already a validation letter and an FTC report as the bureau requested. I am being ignored which shouldn't be the case as the law states that I am able to request a contract that they have on me with this company I listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I do not know anything about this debt. I have not received anything in the mail concerning this debt therefore I have not been able to verify anything about it. It just showed up on my credit reports claiming to have begun on XX/XX/2022. This company has violated my rights as described in the Fair Credit Reporting Act by not allowing me the 30 days allotted to dispute this debt before reporting the debt to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
So I been calling navy federal for a week reagarding a family member check that was deposited in my account I was at a branch in XXXX Georgia and I brought the people in to prove verification it was verify from what the bank teller told me which allowed me to make a withdrawl and the wait time was two hours so I decided to leave now they want them to reverify again and my relatives do not stay with me I work one of them not feeling good they make it impossible to get remainder of funds they two security teams officers personally close my account for the 4 time this week. These two was very unprofessional one of them was a XXXX and she did not have permission to call them after I told her my situation she ask me very personal questions I felt like I was getting interrogated. She cost me great mental anguish and emotional distress. Her name is XXXX security XXXX XXXX And XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022, someone in Florida used my card at a XXXX in Florida, charging the card {$160.00} ( three transactions of {$55.00} each ). They blocked the card themselves and notified me of the suspicious transactions which I acted on quickly. I got my card replaced and filed a claim the same day. They have just notified me that they can not approve the claim saying that someone was authorized to use the card when I am the only cardholder and do not and have not been to florida and do not shop at XXXX They need to reinvestigate and approve the claim as they allowed someone to add my card to XXXX XXXX to use at a XXXX in florida without my consent. 

Not just that but they took my access to use XXXX XXXX  without any reason.

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 monetary relief