vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. ( XXXX  - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: TN

Complaint narrative:
They are texting me stating that I promised to pay a debt to them but I have not made any promises as I have not talked with anyone with TrueAccord and I dont know what debt they are talking about because when I click the link it showed that the link could not be found

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. ( XXXX XXXX XXXX - XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 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 explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX I used my card to get gas just before XXXX and was able to. Then later in the afternoon my direct deposit went in and suddenly when I checked my balance I was in overdraft XXXX. I messaged cashapp support and they told me they didnt see anything to dispute, no charges anything. My check was direct deposited again XX/XX/12 and still I am in overdraft. No one will help me. I know cashapp doesnt allow anyone to get to us XXXX they did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Upon reviewing my consumer report, I observed the presence of erroneous information that does not pertain to me. I am completely unaware of the source of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. ( XXXX XXXX XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 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 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I WAS BANKING WITH NAVY FEDEREAL CREDIT UNION AND HAD BEEN SINCE XXXX AROUND XX/XX/XXXX I HAD MOBILE DEPOSITED A CHECK GIVEN TO ME FROM SOME WORK I DID FOR A CLIENT IN THE AMOUNT OF XXXX XXXX XXXX CHECKS NAVY FEDERAL PUT THE MONEY ON HOLD AND RESTRICTED ME ACCESS FOR 7 DAYS TO VERIFY FUNDS AND THAT THE ACCOUNT WAS ONE IN GOOD STANDING ON THE 8TH DAY IS WHEN I CALLED TO GET A UPDATE AND STATUS OF THE FUNDS IN WHICH SOMEBODY IN THE SECURITIES DEPARTMENT INFORMED ME THAT THEY HAD VERIFIED AND VALIDATED THE FUNDS AND ACCOUNT THEY THEN RELEASE MY FUNDS DUE TO ME NOT.HAVING A CHECKING AT THE TIME I TRANSFERED THE MONEY TO MY SISTER WHO IS ALSO A NAVY FEDEREAL MEMBER SHE THEN TRAMSFER VIA XXXX APP THE ENTIRE.AMOUNT OF THE TWO CHECKS NAVY FEDEREAL THEN COMES 3 DAYS LATER AND WITHDRAWLS XXXX  OUT.OF MY LIL SISTER ACCOUNT SAYING THWY REVERSED THE FUNDS FOR FRAUD EVEN THO THAT WHY THEY.INITIALLY HELD THE FUNDS FOR THOSE 7 DAYS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: OH

Complaint narrative:
The account was locked without warning. When I tried to reach a representative I was denied the opportunity to speak with a supervisor or legal department. Stated I can not access my funds and will not provide a reason why. When I did receive a response back it was that I could not create a new account which I had not tried to do and have had the account since XX/XX/2022 with multiple different types of deposits. They will not let me access my money or provide a reason as to why I can not access the funds. Stated would not have a resolution for up to 5 days but then responded with the creating a new account response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
XXXX i was charged off an existing account with Wells Fargo Bank in XXXX OR for {>= $1,000,000} US i was left insolvent. It was made a case number created in XXXX of XXXX. I was directed by my law firm XXXX XXXX to the US treasury in Washington DC. I was directed to Sam.Gov and help it in the proceedings details.I held it as a Fixed Asset It was changed to a US Federal Grant Assistance Admin Art.III.S2.C1.6.6.2 Associational Standing Federal Consumer Credit Protection Act I used Proceedings Details as a service of proceedings. I filed an article 246 in the XXXX constitution in reasonable time to the void date. To intercept the authority of parliament. And grant it back to the states in the organization needed to finish. Sam. Gov directed me to negotiate with the bank. That same day i received some checks in thew mail. From a Wells Fargo NA in XXXX XXXX. By that time it was clear to me What Wells Fargo needed. everything I spoke to with the Gentlemen that day. I have accomplished. I have reduced the burden of proof and the burden of assets to the value of the {>= $1,000,000} US in the charge off from insolvency. Filed the XXXX to XXXX in the XXXX. 15 USC subchapter V 1692k 1692l registered agent was brought in as an Attorney in Fact for my franchise supplemental ands supplanted was filed in the Article 246 close LLC was opened in Wyoming. It is illegal to add a date to a mortgage deed. The XXXX XXXX XXXX  had to be done that way in Sam.Gov with me 34.1-2A-404a Equal Access To Justice Act Sam. Gov made it a US federal grant assistance admin. I linked the account number with the Wells Fargo NA. I filed the XXXX financing statement with the four corners rule that it appears to be right on it's face. XXXX the addendum and XXXX 3 assignment to Q-56, Q-57 and Q-58 the four corners was made in a timely frame 2 CFR 200 FFATA as amended by section 6202 ( a ) supplemental funds section 5367 and I am acting as a financial provider 1026.15 ( f ) ( 1 ) ( 2 ) 28 USC 1333 ( 1 ) ( 2 ) for the franchise dispute resolution in a XXXX reject remedy standard for XXXX was sent in route Friday XX/XX/XXXX Am requesting that the Notary and information be correct for the US Federal Grant Assistance Admin for Wells Fargo Bank I have to give a Notary Public i had to build the trust and the mortgage to correct my situation. Please allow my identity here to be what the bank has. I talked to them here at CFPB yesterday of the day before and my information wasnt correct in the CFPB my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio
State: CA

Complaint narrative:
-Collection company reporting false and erroneous information on my credit report that I owe a debt -Never notified and have no knowledge of original debt -this debt does not belong to me -company named as original creditor of XXXX XXXX XXXX does not exist -debt has been disputed with experian as accurate with no information supplied to me including original dates of debt, any signed contracts, or proof that I owe a debt to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

information taken without knowledge or authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Upon attempting to make a payment over the course of 48 hours, repeatedly received message that I would need to unlock/unfreeze my credit report prior to making this payment. Verification had already been performed via email, text message codes and customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My Name is XXXX XXXX XXXX. I've been back and forth with EQUIFAX I've faxed them Documents I've called them and emailed them about the inaccurate reporting on my credit report.the account is XXXX XXXX XXXX  I paid and settled the debt on XX/XX/XXXX. And I've explained to EQUIFAX that I need this to be updated on my credit report so that I can get a loan for a house. I'm tired I'm using my wife 's email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PINNACLE RECOVERY, INC.
State: NY

Complaint narrative:
I own timeshare at XXXX. I contacted them and asked to turn my timeshare in and I was told that I can start the process in XXXX. When I tried to do this in XXXX they said that I had to pay my next year 's maintenance dues first. I said they never told me that before XXXX that is the requirement. I am not going to give them a payment for not using my timeshare. I told them I would not pay and they said they will put me into collections and charge me interest and penalties that were more than my {$1500.00} yearly maintenance. They also said that they would put it on my credit report and then get a judgement against me, seize my bank accounts and garnish my wages. These timeshare companies use tactics that are very scary and this needs to be addressed. If these timeshares are so valuable why don't they take them back and resell them?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed 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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed 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 explanation