vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has been calling non-stop for over 8 months. They use the tactic of calling from Texas and North Carolina numbers for an unknown reason. I completed their online form & asked for them to cease all communication, which they have completely disregarded. They have not left any voicemails nor have they contacted me directly by mail. I do not know who they are looking for but I do not have any outstanding debts with any company or person.

Since having my current number, I have been harassed by numerous debt collectors looking for someone I have no connection with. I have been able to inform these companies they have the wrong number & to stop calling which they have done. I would like Portfolio Recovery to do the same. I have not mailed a cease & desist letter because I do not even know who or what they calling for nor will I provide them with any of my personal information when they have no right to be harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> I sent XXXX and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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 2024-08-16 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was shut down after receiving {$250.00} from a sweepstakes entry I won. The money was received but when I tried to withdraw the money it froze my account. A 120 day hold was placed on the funds. Just before the hold was up they took {$160.00} for a negative balance on an account that isn't mine. They said they would send an email after the holding period but I never received it. I have tried resolving the issue with PayPal but have not been able to reach a live person. After reading the terms of service repeatedly I have yet to find where I supposedly violated. I am also banned from using PayPal services permanently. After 2 years I have given up on recovering the funds. I'm not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: AZ

Complaint narrative:
Dear Equifax To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account number # XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-08-16 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: PA

Complaint narrative:
I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.

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 2024-08-16 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I paid a debt collector the balance in full. They updated the account as paid in full and closed. Then sold the account to another creditor for the original amount. When I contacted the current hold of the fraudulent account. They told me to contact an attorney and that if I paid the other company thats my problem. They said they purchased this account in XXXX of this year and yet reported that the account is with them since 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
To whom this may concern, On XX/XX/year> someone drained my checking account with XXXX XXXX XXXX XXXX via cash app, stealing {$960.00}. The following day ( XX/XX/year> ) I filed reports with cash app, XXXX XXXX XXXX XXXX, and the XXXX XXXX police department. 

Cash app case reference number :! XXXX.! XXXX : ref XXXX XXXX XXXX XXXX case reference number : XXXX XXXX city police report number : XXXX Cash app failed to pay me back the money that was stolen out of my account, claiming that it was not a fraudulent transaction. Which it is, by definition. 
( XX/XX/year> ) I called the XXXX XXXX XXXX XXXX after cash app failed to reimburse me, and someone told me they would reopen my case. They also told me to send any evidence to their email, which is where I sent the following email to XXXX ( pictures included in documents ) XX/XX/year> - after filing a complaint with the cfpb, XXXX XXXX XXXX XXXX XXXX department calls me to collect further evidence. I provide it to them via email. 
XX/XX/year> - XXXX XXXX XXXX XXXX investigation has led them to inform me that under federal regulation, it is cash app who is liable for reimbursement of my stolen funds. According to them, it is because my funds were withdrawn from my checking account, placed into a cash app balance, and then redirected. 
XX/XX/year> - after filing my complaint with cash-app, they emailed me back with a spreadsheet of the transactions in question. They stated that our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

This is an egregious misinterpretation of evidence in my opinion. My phone was stolen and hacked into. I had protected passwords on that phone. I did not authorize any of those transactions. I have no previous history on the platform with any of these individuals and had never received or sent money to their accounts before. These transactions in question should have been flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-08-16 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-08-16 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: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the XXXX XXXX of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: OH

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX ACCOUNT # : XXXX I HAVE DISPUTED THIS ACCOUNT ON XXXX THE COMPANY UPDATED DISPUTE TO VERIFIED AND CERTIFIED AS ACCURATE INFORMATION. how can this be when there was no proper investigation done. i know it wasnt done becuz the proof of procedure had not been provided. also i have NOT permitted any reporting agency or othe company any PERMISSION and or CONSENT to furnish my credit profile THIS IS A VIOLATION OF THE XXXX XXXX XXXX XXXX XXXX ALL COMPANIES INVOLVED ARE IN VIOLATION OF THIS LAW REMOVE THIS ACCOUNT FROM MY CREDIT REPORT NOW THANK YOU also THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

XXXX XXXX XXXX XXXX ( B ) & XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Code XXXX theft prevention ; fraud alerts and XXXX XXXX alerts XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX XXXX XXXX AND 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 2024-08-16 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: OH

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX ACCOUNT # : XXXX I HAVE DISPUTED THIS ACCOUNT ON XXXX THE COMPANY UPDATED DISPUTE TO VERIFIED AND CERTIFIED AS ACCURATE INFORMATION. how can this be when there was no proper investigation done. i know it wasnt done becuz the proof of procedure had not been provided. also i have NOT permitted any reporting agency or othe company any PERMISSION and or CONSENT to furnish my credit profile THIS IS A VIOLATION OF THE XXXX XXXX XXXX XXXX XXXX ALL COMPANIES INVOLVED ARE IN VIOLATION OF THIS LAW REMOVE THIS ACCOUNT FROM MY CREDIT REPORT NOW THANK YOU also THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

XXXX XXXX XXXX XXXX ( B ) & XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Code XXXX theft prevention ; fraud alerts and XXXX XXXX alerts XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX XXXX XXXX AND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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