vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
American Express and its representative are continuously showing no regard to the law and my right to privacy. They are telling me that their policy overrules the law. They are committing language fraud with misleading facts and giving their false interpretation of the law. They have caused and are still causing me defamation of character by illegally reporting information that should not be on my consumer report and misleading me and refusing to remove it. They are telling me that I have no right to privacy, and they are knowingly reporting income on my consumer report. 

Their said in your response As of XX/XX/2023, were reporting the account as an unpaid charged off account. According to the IRS ( Internal Revenue Service ) publication irs.gov, a charged-off is a certificate of indebtedness which goes along with a 1099c The Cancelation of Debt. It is considered to be income, and you know very well that income can not be reported on a consumer report. Proper procedures must be followed to ensure accurate reporting 15 U.S. Code 1681e.

The Gramm-Leach-Bliley Act, require that they report their information data sharing practices, as well as provide me with information and the right to opt out of data sharing with 3rd party non-affiliate agencies, like XXXX, XXXX as well as XXXX, or any other not listed here. It is also your responsibility to make sure that it is presented in a clear and conspicuous manner. They are in violation of this Act as they just admitted this, in your response that is attached. Furthermore in accordance with the Privacy Act of 1974 I have the right to privacy that they are trying to deny me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I was alerted by XXXX that I had a received a negative mark due to a debt collector named Phoenix financial services, assigning a debt to me. I spoke to a phone rep from experience who let me know some general information. Representative let me know I would need to contact Phoenix Financial Services as they would decide if debt was valid. I asked what kind of debt it was and they told me it was a medical procedure. 
I then spoke to a phone representative from Phoenix financial services, and she seemed very sympathetic to my cause. She noted that there mustve been an error as the address of the debtor was different than mine his name is XXXX XXXX mine is XXXX XXXX and we share the same birthday I later found out. I was told to wait 30 days to see what final decision would be rendered. I received a letter from XXXX that Phoenix financial services had verified that the debt was mine, even though what they said over the phone to me was the exact opposite. I can provide verification from my employer that the date of the service rendered I was at work in a different city. It seems they are lazy and not doing due diligence in collecting debt from actual debtors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I matched with a person on the dating app XXXX whose profile stated they were XXXX with photos that appeared to be a person in their mid XXXX. The person asked for my number after 3-4 messages and I provided a XXXX XXXX number . After moving off the dating app the person stated they were actually XXXX and started sending unsolicited pictures of a XXXX nature. The next day on XX/XX/XXXX at XXXX XXXX, I received a call to my direct number from someone claiming to be a police officer stating that I was under investigation and stating that I could lose my job and saying " may god help you. '' The call was spoofed and came from XXXX. The false police officer stated that the girl 's parents were threatening to pursue legal action but that he could provide a number to the step-father to work things out. He gave me a fake name of XXXX XXXX for the step-father. 

I called the man claiming to be the step-father at XXXX, which I later traced to an app called XXXX. The step-father stated they had taken the girl to therapy, but insurance was unwilling to pay without a police report. He texted me a link that has a picture of a fake invoice with fake information, but the link is how I could tell the number originates from the XXXX app. 

Step-father said in order to avoid the police report, I should send {$2500.00} for the therapy bills to show that I am serious about the situation. Step-father had me send the money via Venmo to the account name XXXX who he claimed was his wife 's sister and specified not to send the money as a purchase. Step-father then asked me to delete all messages and contact information. My bank placed a hard hold on my account on Tuesday XX/XX/XXXX to prevent the {$2500.00} from leaving my account, and I closed the account and opened a new one per their recommendation. I also reported the fraud to Venmo on XX/XX/XXXX, but Venmo concluded in their investigation that the transaction was not fraudulent and has asked me to pay the {$2500.00} despite it being clear the transaction was fraudulent and despite the fact that I reported the fraud to Venmo and to my bank before the funds were transferred. I had also filed a local police report on XX/XX/XXXX, filed a complaint on XXXX on XXXX/XXXX, filed a complaint to Minnesota 's AG on Venmo 's decision today on XX/XX/XXXX, and filed a complaint to the FTC today on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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:
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 2024-01-03 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: 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 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 2024-01-03 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: GA

Complaint narrative:
You Are In Violation!! 

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to my local Chase bank ATM. And deposited XXXX cash. I then receipt a notice saying to call the bank to verify the transaction went thru, which it did not. I tried XXXX another payment immediately after thinking the money was stuck in the machine but it wasnt. So not XXXX is gone. Bills can not get paid. I was transferred to a man in the XXXX who told me he couldnt help me and call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
Company shared personal informstion via email with a XXXX party in regard to a debt claimed to owed by me. 

XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I went to my local branch on XX/XX/2023 to deposit my IRS Tax Refund Check into my account. I received an email on XX/XX/2023 at XXXX XXXX  stating that, " A review of the check ( XXXX ) deposited into your account on XX/XX/2023 indicates potential suspicious activity. For your security, some restrictions have been placed on your accounts. ". On XX/XX/2023 I called Navy Federal and got transferred to security where I talked to an agent. He stated that he just got off the phone with IRS XXXX Internal Revenue Service ) and they said that it wasn't my check and it was a fraudulent check. I called the IRS XXXX Internal Revenue Service ) gave the agent my personal information and she told me that she seen where the check had been deposited into an account and that it was my check. I also received a bank statement on XX/XX/2023 showing that the check was deposited into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: MD

Complaint narrative:
This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( 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 XXXX demanding the deletion of the accounts listed Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( 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 XXXX  demanding the deletion of the accounts 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 2024-01-03 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX NY XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX NY XXXX Balance Owed : {$5000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX NY XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX NY XXXX Balance Owed : {$5000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - I send loandepot a statement that my property taxes are due. 

XX/XX/XXXX - I send loandepot an update that my property taxes were reassessed by the XXXX XXXX. 

XX/XX/XXXX - Loandepot acknowledged this change and states they were looking into the updated amount XX/XX/XXXX - Loandepot states " Our Tax Department has updated your tax lines and paid your tax bills due '' Taxes were due XX/XX/XXXX in the amount of {$6400.00} Loandepot paid {$2700.00} on XX/XX/XXXX XX/XX/XXXX - XXXX XXXX website states my property tax is delinquent and not paid in full. 

XX/XX/XXXX - I send loandepot a message about my delinquent status. 

XX/XX/XXXX - They acknowledge my email and state they will look into it and get back to me by XX/XX/XXXX XX/XX/XXXX No response XX/XX/XXXX - XXXX XXXX website states my property tax is delinquent and not paid in full. 

XX/XX/XXXX- Loandepot responds and says a partial payment was made on XX/XX/XXXX and a new payment should be pending XX/XX/XXXX - I email and ask for clarity as to why they failed to pay my property taxes on time from a fully funded escrow account. 

My trust in loan depot and their business practices has been irreparably harmed. Their lack of clear communication, accountability, and transparency makes me nervous about them handling my money. I have asked them to close my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
Last year someone stole my wallet and I have all my identification inside. I never went to XXXX XXXX. I dont even have my diploma. I dont know what that they talking about. I never open student loan in XXXXplease take this down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have never signed any contract for services with Resurgent Capital Services or any of its affiliates. I have requested a copy of the original contract with my original signature proving that I entered into an agreement with this company, Resurgent Capital Services or any of its affiliates. I haven't received a copy of this original contract showing my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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