vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX apt XXXX XXXX TX, XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Bankruptcy 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  These accounts have resulted in XXXX XXXX and charge off appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and charge off as reported. The aforementioned accounts, collections, and charge off appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I request pursuant to FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to - 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 explanation
Consumer complaint received 2024-12-16 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : XXXX XXXX XXXX Account number - XXXX XXXX  XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX - Account number - XXXX XXXXXXXX XXXX  XXXX XXXX - Account number - XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : XXXX XXXX XXXX Account number - XXXX XXXX  XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX XXXX - Account number - XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

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 2024-12-15 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: MD

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from 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 2024-12-15 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: LA

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are aably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outtted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Oce. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2024-12-15 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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. Attached you will find the FTC report, my consumer statements, and my identification proving my identity ; items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail.

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 2024-12-15 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: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. Attached you will find the FTC report, my consumer statements, and my identification proving my identity ; items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
A collections with Equifax from XXXX XXXX for XXXX XXXX has is reporting with a balance of XXXX. The account has been sold to a third party collection agency which means the debt to XXXX XXXX XXXX is no longer owed. Please remove the inaccurate account from y credit report. Also under i have never had a consumer relationship with XXXX XXXX. Equifax and XXXX XXXX are in violation of 15 USC 1681a ( 3 ) Restriction on sharing medical information AND 15 USC 1681b ( 4 ) Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( ( 1 ) OR ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by the statue, regulation, or order. 
UNDER 15 USC 1681i ( a ), you need to complete this reinvestigation within 30 days and you must delete the items from my credit file at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I am filing this complaint regarding Portfolio Recovery Associates ( PRA ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their attempt to collect XXXX debts I do not believe are mine. 

Debt # XXXX : XXXX. On XX/XX/year>, I sent a certified letter to PRA requesting validation of the debt. In this letter, I specifically requested : o Proof of my responsibility for the debt, such as a signed agreement with my wet signature.

o A copy of my photo ID used to open the account.

o Detailed accounting of the balance owed, including interest, fees, and charges.

o Documentation proving PRAs legal right to collect the debt.

2. PRA responded with an incomplete and insufficient documenta basic account summarywhich did not validate the debt or prove my liability. 


XXXX. On XX/XX/year>, I sent a follow-up certified letter reasserting my request for proper validation. PRA failed to respond to this second letter.

4. Despite this, PRA began or continued reporting this account to XXXX without validating the debt or providing sufficient notice. 


Debt # XXXX : XXXX. On XX/XX/year>, I sent a certified letter to PRA disputing this second debt and requesting validation. I included the same detailed demands as I did for the first debt ( e.g., wet signature, photo ID, accounting, and proof of ownership ).

2. PRA failed to respond to this request entirely, providing no documentation or validation for this account. 
3. On XX/XX/year>, I disputed this debt with Experian/Equifax/TransUnion, explaining that PRA had not validated the debt.

4. Despite PRAs lack of response, XXXX verified the debt as valid and kept it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
XXXX, Transunion, XXXX, XXXX. I have nonmailable address on my report. XXXX XXXX XXXX XXXX XXXX XXXX is my only address. These other address need to be deleted. Also, it is illegal to report transaction history. Privacy act of 1974. And I was effected by the XXXX Data Breach. It is {$1000.00} per violation. Per the FCRA as a federal protected consumer Iam now opting out of any and all authorization. I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802 and change off, are considered a certificate of indebtedness. income can not be reported. 15 usc 1681 permissible purposes. You can't tie me to an old address. ( Non mailable ) and utilization is illegal a corporation can not report transaction history.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX, Experian, XXXX. I have nonmailable address on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX is my only address. These other address need to be deleted. Also, it is illegal to report transaction history. Privacy act of 1974. And I was effected by the XXXX Data Breach. It is {$1000.00} per violation. Per the FCRA as a federal protected consumer Iam now opting out of any and all authorization. I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802 and change off, are considered a certificate of indebtedness. income can not be reported. 15 usc 1681 permissible purposes. You can't tie me to an old address. ( Non mailable ) and utilization is illegal a corporation can not report transaction history.

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I deposited a three party check it was my niece 's XXXX XXXX XXXX XXXX XXXX we waited the ten business days and followed all that they told us and we were assured that all was good then after the ten days of waiting and check was verified and all was legit they then froze my account and want a phone # off of the credit report but that takes 60 to 90 days to report to the credit bureaus but they said only have 30 or they close my account and keep the funds it's impossible to verify the way they want us to is the time period they want that's her XXXX money she is in great need of that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Contacted them to provide me with the 1099C because the debt was charged off and written off. No 1099C provided.

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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Foolishly, on XX/XX/XXXX I opened a Robinhood account hoping to buy the crypto currency XRP. I had already felt I was a week to XXXX weeks behind a good buying opportunity, but I transferred {$5000.00} into my newly created account on XX/XX/XXXX. By the time that money arrived, nearly a week later on XX/XX/XXXX, I felt like my buying opportunity had past, and I immediately transferred {$3000.00} of the {$5000.00} back into my savings account. With the remaining {$2000.00} I purchased XXXX. Robinhood flagged this as " suspicious '' activity, and locked my account. They requested I submit a virtual selfie through their app of the front, left, and right sides of my face, as well as a virtual scan of the front and back of my ID. This made me extremely nervous to be submitting this online, through an app, with absolutely no human to speak to on their end to assure me my identity wouldn't be stolen somehow by doing this. When I realized this supposedly reputable trading app has absolutely no customer service department to speak with, and their virtual " customer support '' doesn't respond either ( you just type a message and send it, and no response comes back to you ), I knew I was in trouble. Regardless, I submitted the ID requested in an effort to have my remaining funds unlocked so I could transfer them back to my savings account. After I completed this on XX/XX/XXXX or XXXX, it said, " No further action is required, your account is under a review. A decision will be made regarding your account on ____ '' Each day, it said the decision would be made the following day, and each new day nothing happened and the date moved to the next day. That was a week ago. I decided to research online, and found this can drag on for months with Robinhood, so I decided to reach out to you guys for help. I merely want to eat my {$200.00} loss, and transfer the remaining {$1800.00} back into my savings account, and close this Robinhood account for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-15 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I recently received a copy of my consumer report from XXXX and XXXX after a recent dispute and saw an item reflecting adverse information from Credit Acceptance Corporation. I am 100 % sure that Credit Acceptance Corporation did not follow federal procedure in validating the alleged debt on the account in Question. The transferring of my information to the Credit agencies listed is not lawfully transferred. Credit Acceptance Corporation has not lawfully verified a contract agreement between the consumer and Credit Acceptance Corporation bearing two wet ink signatures by Consumer XXXX XXXX and Credit Acceptance Corporation in which a contract shall be made valid per contract law. Credit Acceptance Corporation has violated Due Process clause towards the consumer by denial of arbitration of any alleged debt by a lawful court order that can substantiate a lawful claim against consumer XXXX XXXX. Without any proof of Contract bearing two wet ink signatures by both parties in interest or a lawful court order or written consent from the consumer, Credit Acceptance Corporation has violated Federal Consumer Law 15 U.S.C. 1681s-2 which pertains to the responsibilities of furnishers of information and XXXX nor XXXX did not properly verify this information. 1. Contract with 2 wet ink signatures by both parties 2. A lawful court order or judgement or deposition or sworn statement of facts. 3 Written consent of the consumer.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX Hope this finds you good Im lettin you know I dispute the debt above under the Fair Debt Collection Practices Act This aint a request for more proof or docs just wan na make sure you know I dont agree with this debt For future contact best time to reach me is by text on my cell or email on my computer XXXX XXXX XXXX between XXXX and XXXX XXXX XXXX Any other times or ways like live calls or voicemails aint convenient Thanks for understanding

Company response to consumer: Closed with explanation