vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-06 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: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 

I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the Thank you for your assistance in this matter, __________________________________

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 2023-01-06 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from NAVY FEDERAL CREDIT UNION for the interest I have earned, as a result of NAVY FEDERAL CREDIT UNION trading my securities on the exchange. This has been done without my knowledge and constitutes that NAVY FEDERAL CREDIT UNION trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. 
L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding discrepancies i have found on my credit report. I am disputing the following accounts on my credit report with Experian, I have circled the items I dispute on the attached copy of my report. 

XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXXXXXX account # XXXX I am requesting that the items be removed immediately as those accounts is not mine. 
Enclosed are copies of my Social Security card, Driver 's License, Most recent Credit card statement, prove of address etc. 
please investigate this matter and delete the disputed items as soon as possible. 
thanks.

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 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Kubota North America Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I was sold a XXXX XXXX XXXXXXXX by XXXX XXXX in XXXX Texas for XXXX by XXXX and XXXX. I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Everyone in the dealership could smell and see that I was XXXX XXXX XXXX, they have all since admitted it to me, including the owner XXXX. They even tried to sell me another tractor then, however I was too XXXX to go through with it. My XXXX  date is XX/XX/XXXX. I do not recall much of the ordeal. They have an email registered to that account that I do not recognize. I dont think I signed the agreement, I dont remember. Within the last 2 weeks, I contacted the owner XXXX and although he agreed that I was XXXX XXXX XXXX, he did not grant me relief. I then contacted kubota credit corporation. Kubota credit then began a series of misleads. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX made consistently misleading statements about the email of record as well as their chain of command. Each of them sent me to each other, claiming to be the supervisor. I wasnt told if I received any veteran discounts or agriculture exemptions. To this day, Ive not been given a copy of the contract, that I can remember.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-06 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Verification incomplete In accordance to FCRA XXXX XXXX  XXXX has violated my rights 15 U.S.C. Sec. 602A states I have the right to privacy. 15 U.S.C. 1681 sec. 604A sec.2 also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from NAVY FEDERAL CREDIT UNION for the interest I have earned, as a result of NAVY FEDERAL CREDIT UNION trading my securities on the exchange. This has been done without my knowledge and constitutes that NAVY FEDERAL CREDIT UNION trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub.

L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was recently scammed out of {$12000.00}. I was looking for a remote job where I could work flexible hours. I was contacted by someone who said they worked for XXXX XXXX. I was given the job after a remote interview through the XXXX app. I was told I would be sent a check to purchase the laptop, software, and other items I needed for the job. The check was being mailed to me so I could prove my trustworthiness to the company. I was sent a check for {$3800.00}, which I cashed on XX/XX/XXXX, at one of the Truist branch locations. There was never a hold placed on the check that I deposited, despite hardly ever depositing checks and never depositing a check of that amount before. I then sent the money via XXXX to one of their supposed vendors. I was then sent a second {$8900.00} check, which was again cashed on XX/XX/XXXX, at a Truist branch. Again there was never a hold placed on the money despite me never cashing any checks. I then sent the released funds via XXXX, XXXX, XXXX, and money orders I obtained from Truist and mailed them via XXXX. Then the checks came back as returned. It took me several phone calls even to be able to file a fraud claim. 

I have the names and information of the individuals I sent money. I have all of the chats that told me how to send the money from the checks. I even have two additional checks that I was sent. 

I received a letter on XX/XX/XXXX, stating that my fraud claim had been denied because I authorized the transactions. Yes, I authorized the transactions at the directions of the fraudsters. 

I received a letter on XX/XX/XXXX, stating that Truist is closing my account and have seven ( 7 ) days to make my account XXXX. If I do not, the money charged off will be reported to my credit. Truist has already taken over {$3000.00} from me to pay back the {$12000.00}, which meant that I could not pay my rent or my credit card bills. Now I am being told that because I will not be able to pay the {$9800.00} to bring my account up to XXXX, that {$9800.00} will be charged off, and the charge off will be reported to my credit. 

So not only was I victimized by the fraudsters, but now Truist is telling me that there is no way to get my {$12000.00} back, but they are also going to victimize me by reporting the charged-off amount to my credit report. 

I have been a customer of SunTrust for over a decade and have never felt like I did not matter. SunTrust was always there to help me through everything. After this merger with BB & T to Truist, the bank has gone downhill, and I will not be referring Truist to anyone.

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 2023-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of 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 2023-01-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I applied for XXXX University because I was working in a school and I need l CertificationXXXX. The admissions person ( XXXX XXXX XXXX XXXX ) reassured me that their program was accredited in XXXX XXXX  XXXX I had just moved to XXXX XXXX from XXXX XXXX so I trusted she knew what she was talking about. After completing and paying for one class with my finical Aid I discovered that XXXX University Education program was not an accredited school in XXXX XXXX. I was advised to withdrew ASAP and I was told my funds would be returned to Finical Aid and I was told I should have a bill, but then I get hit with a collection on my credit. Please see below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXXXXXX XXXX to Financial I withdrew from the university XX/XX/2018. please return loans to Department nof Education ASAP. Thank you On XXXXXXXX  XX/XX/2018 at XXXXXXXX XXXX  Financial Aid XXXX wrote : Hello XXXX, Thank you for contacting the XXXX University Office of Financial Aid. I am just following up on our phone call. Please send me back a quick message requesting cancellation of your XXXX awards and an update to the XXXX. As soon as I receive your email I will send the case over for review. If you have any further questions, please feel free to contact us at XXXX or XXXX ( XXXX ) and follow the prompts for financial aid. Have a great day! Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll-free : XXXX Fax : XXXX XXXX ** Please remember to monitor your email regularly for updates to your financial aid account. ** ref : XXXX : ref -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( cell ) XXXX ( home ) Support Bot XXXX  XX/XX/2018, XXXX XXXX Hello XXXX, Sorry, but could you please send a new email requesting that they cancel the remaining award and update the XXXX? The wording is important here. - XXXX XXXX XXXX XXXX XXXX  XX/XX/2018, XXXXXXXX XXXX to Support Effective XX/XX/2018 please cancel XXXX awards and an update to the XXXX. -- XXXX ( cell ) XXXX ( home )

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 2023-01-06 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: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-06 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: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-06 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: NY

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of 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 2023-01-06 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: NY

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within XXXX days of receipt of this certified letter will result in a small claims action against your company. I will be seeking XXXX} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Thank you for your time and help in this matter.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AR

Complaint narrative:
I was fired because of pending charges that are absolutely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation