vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: RI

Complaint narrative:
In accordance with fair credit reporting act. The list of account below has violated my federally protected privacy and confidentiality under USC 1681. 
Account # XXXX XXXX 15 U.sc 1681 section 602 A. States I have to right privacy 15U.sc 1681 section 604 A section 2 .it also states a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following form of information any other adverse item of information other than record of conviction of crimes wish antedate the report by more seven days 15 usc 1681s-2 ( A ) ( 1 ) A person shall no furnish any information relating to a consumer to any information reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
" XXXX XXXX  '' continues to report inaccurate information to XXXX, TRANSUNION, AND XXXX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in 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 RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report inaccurate information to XXXX, XXXX, AND EQUIFAX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait.

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in 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 RECEIPT. 

It has been 30 days and XXXX XXXX EQUIFAX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
XXXX XXXX has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.

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 2022-09-23 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:
XXXX XXXX  has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: SC

Complaint narrative:
XXXX XXXX  has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone is fraudulently trying to open a XXXX and a Nordstrom credit account under my name. Nordstrom account shows under XXXX and needs " more '' information to be opened. It is not me. Need to report fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported XXXX  Account Number : XXXX Please Submit onto XXXX  form and please Delete under section 1681s ( 2 ) ( b ).

They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 2022-09-23 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: VA

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in XXXX. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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 2022-09-23 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: VA

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in 2021. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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 2022-09-23 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: VA

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in 2021. They decided to update information and report it to all credit bureaus recently.

They are in violation of 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 2022-09-23 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:
Equifax is currently reporting inaccurate information on my credit report. They have XXXX XXXX XXXX listed as my name and that is not accurate. My true name is all that should be showing. 

Equifax has my place of employment listed on my credit report twice. Duplicate entries should NOT be listed on my credit report. 

Equifax has inaccurate payment histories posted on my credit report. I sent over a letter on XX/XX/21 and it was received by their office on XX/XX/21 and they HAVE NOT responded or corrected my credit report. 

Equifax has an inaccurate XXXX XXXX listed on my account that they refuse to remove. The account is with XXXX XXXX XXXX. 

Equifax has an inaccurate XXXX XXXX listed on my account that they refuse to remover. The account is with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: DE

Complaint narrative:
I went over my credit report and noticed inquiries that I never initiated or authorized. 

The following inquiries need to be REMOVED IMMEDIATELY " XXXX XXXX XXXX XXXX '' " XXXX  XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait.

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in 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 RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.

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 2022-09-23 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: PA

Complaint narrative:
Account : XXXX XXXX XXXX Acct # : XXXX Account came back verified & validated. Not sure how this investigation was done being this is a collection account and is showing a past due balance {$2400.00}. Collection accounts are past due by default. This is a direct violation of FCRA requisites & Metro 2 guidelines.

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 2022-09-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022 I tried to use my USAA credit card to pay for a hotel room. 
It was declined so I used my XXXX debit card. It was approved. 
Shortly after that transaction, the same day, the amount of {$200.00} was approved and charged to the USAA credit card. 
At that point I paid for the room twice. 

I contacted USAA regarding the matter and a temporary credit of {$200.00} posted to my account while a disputed was issued and investigated. That was also on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from USAA stating not enough information to resolve the issue had been summitted and a charge back of {$200.00} posted. 

I had spoken to a USAA representative on XX/XX/XXXX and answered all their questions asked regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Settled an account with NCA XXXX XXXX. Disputed findings with XXXX and XXXX states their research and feedback from NCA leaves account information unchanged. I called NCA and they indicated they sent and/or will send correct reporting. As of today, the report shows I have a balance and collection is still active. 

XXXX  Dispute # XXXX Closed XX/XX/2022 I provided letters from NCA showing account balance is XXXX and account is settled. 
XXXX 's response on dispute is unchanged and unable to re-dispute because they consider this a duplicate request. 

NCA Is still reporting : Status : Collection account. {$1.00}, XXXX past due as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD bank is holding on to my {$2400.00} for no logical reasons I could understand and not crediting it back to my account. 
On XXXX, a paper check # XXXX for {$2400.00} and e-check # XXXX for {$2400.00} was debited from my account. 
On XXXX, same checks again were used to debit money from my account of which {$2400.00} from e-check # XXXX was returned but another {$2400.00} from # XXXX is not returned until now for 24 days. 
I have spoken to more than 10 customer care reps and their numerous escalations for hours and hours of my time as well as the assistant branch manager and it is still not resolved. On top of it, they are all so rude when I am dealing with loss of my hard earned money. I just need my money back from this bank and be done with them forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MI

Complaint narrative:
This account is inaccurate and was opened fraudulent and is not mine remove immediately.accounts are as follows XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Experian

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 2022-09-23 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: MI

Complaint narrative:
On XX/XX/2022 by certified mail I requested the following information be removed from my credit report as it is false and a direct violation of the FCRA In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( Late Payment Lending Point Account # : XXXX ( Late Payment XXXX XXXX XXXX XXXX # XXXX ( Late Payment ) XXXX  Acct : XXXX ( Charge Off XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection Charge OFF ) 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 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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 2022-09-23 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: MI

Complaint narrative:
On XX/XX/2022 by certified mail I requested the following information be removed from my credit report as it is false and a direct violation of the FCRA In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( Late Payment Lending Point Account # : XXXX ( Late Payment ) XXXX XXXX XXXX XXXX XXXXXXXX ( Late Payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection Charge OFF ) 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 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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