vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-27 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, am writing this dispute because I noticed inquiries on my credit report that I did not authorize! I do not have any knowledge of these inquiries nor do I have knowledge of how they got on my credit report. Below I am attaching a FTC Report so that the CFPB has a copy of the fraud alert I am placing on the credit agency reporting these inquiries. I am also attaching a dispute letter, proof of address and my ID as identification. Again, I do not have any knowledge of these accounts until I recently checked my credit report seeing inquiries that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have an account with Venmo. I usually use my XXXX bank account to fund Venmo transactions. While out of the country, I added a joint XXXX credit card shared with my parents to my Venmo account. My parents did not recognize the Venmo transactions and reported them fraudulent to XXXX. All the transactions were payments I made to individual persons who are friends. There were XXXX different transactions reported as fraudulent to XXXX. On XX/XX/XXXX, Venmo suspended my account. That same day, we notified XXXX and Venmo that the transactions were valid. On XX/XX/XXXX, XXXX returned the funds to Venmo for XXXX transactions. On XX/XX/XXXX, my Venmo account was unfrozen. XXXX returned funds for one additional transaction on XX/XX/XXXX, and the other two on XX/XX/XXXX. Venmo has only closed one chargeback transaction and reversed the charge to the receiver 's Venmo balance. They continue to state " the dispute status in Pending Processor Response, '' which means we are yet to receive a response from your credit card company with a resolution on this dispute ''. I have contacted XXXX several times. They have stated that they have returned all the funds to Venmo, and the transactions are no longer tagged as fraudulent. I forwarded a copy of a letter from XXXX to Venmo, which states that XXXX returned funds to Venmo for all the transactions and lists each transaction. In an email response Venmo stated " if and when the card issuer provides a reversal of the chargeback it will be reflected on your reporting and merchant account statement. '' As of XX/XX/XXXX, Venmo has not reversed the funds they received from XXXX for XXXX of the XXXX transactions. Most of the transactions were returned to Venmo on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I purchased 6 months of insurance in full with XXXX. I cancelled after 2 months as I did not receive what I purchased. I was not refunded the XXXX amounts in full only partial and was falsely charged an unauthorized {$260.00}. This was not a cancellation fee as I was told I would not receive a fee since I never received what I paid for in full. This false {$260.00} is now on collection with CCS Collections and while no information for the false charge is being provided in my disputes there is no proof or reason why this false charge is on my credit report. Some credit agencies have removed it knowing it was fraudulent, but it still will not be removed from other reporting. CCS knows there is no proof of ownership, and refuses to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/2024 I have not authorized or initiated these hard inquiry, nor do I have any recollection of engaging with the mentioned creditors on the respective dates of inquiry. As per the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated.

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 2024-02-27 00:00:00
Product: Credit reporting 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:
I want to file a dispute due to unauthorized inquiries attached on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have a car loan with navy federal. I communicated and arranged to make a payment on or before the XXXX of XXXX. ( Navy federal claims that if you community with them that they will work with you. Its only when you dont communicate with them that theyll assume you are not going to pay. ) I never had a 30 day late fee ; seven if I was late. 1. Because a 30 day late fee is only after youve been late 39 days. I paid {$1400.00} on the XXXX of XXXX. The payment processed on XX/XX/XXXX. XXXX now current, yet I get a 30 day late on my credit report for XXXX. My car payment is due every XXXX of the month. Again navy federal has never gave me a late fee. But lately they have been picking in choosing how they manage accounts. ( Like one time I scheduled a payment on the mobile app and they still garnished my money to pay on my car. In when I called the said even though I made an arrangement on there that I have to still call. However that never was so, but now its changed. ) When I called on the day I disputed the 30 days late for XXXX, the loan agent explained that it didnt matter if it wasn't a full 30 days. They report at the end of every month. In so what Im getting from this statement is that companies and banks like navy federal can report information on your report before 30 days. Or wherever they feel like it. So I disputed it with the credit bureau. In it came back today XX/XX/XXXX as update with only a check for XXXX and the 30 days is still there for XXXX. Why is something like a credit report is in place? Yet manipulated in twisted to the companies advantage. In its okay to give an explanation such as the one she gave ; in Im supposed to be okay with it!? If you have 30 days before you are late then it should be report on the XXXX day or after. And if you didnt report it, there should a time frame to do so. People are being deliberate and personal in their actions now a days. Manually doing underhanded stuff before they have the power. I my here is nothing in place to stop it. Ive sent in supporting documents to show my payment wasnt 30 days late from XX/XX/XXXX to XXXX when the payment was processed, but 19 days. I just hope navy federal can have some integrity in stop doing customers like they do. Then using the system maliciously to discredit you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Starmark Financial LLC
State: TX

Complaint narrative:
On XX/XX/year> my XXXX XXXX account alerted me to this collection. I would like to receive a written letter with proof of the debt.

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 2024-02-27 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I complained via letter to TransUnion about violating the fair credit reporting act and several consumer laws on the behalf of myself. They claimed it as a credit clinic/ Credit company which was false. All of my personal information needs to be disputed, along with the repeated charge off, collection and several hard inquiries. Ive complained to the XXXX as well. Proof attached.

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 2024-02-27 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX U Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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:
I want to file a dispute due to unauthorized inquiry attached on 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 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against PERSONIFY, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
PERSONIFY, with contact information at XXXX XXXX XXXX XXXX, TX XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that PERSONIFY has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against PERSONIFY to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold PERSONIFY accountable for their unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-02-27 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account XXXX : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX : Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief