vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
AFFIDAVIT OF IDENTITY THEFT AND PRIVACY VIOLATION STATE OF ILLINOIS COUNTY OF CHAMPAIGN I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, being duly sworn, depose and state as follows : XXXX. Identity Theft Claim : I am the victim of identity theft, as unauthorized accounts and/or transactions have appeared on my credit report. These unauthorized activities do not reflect my actions, intentions, or consent. 

The following accounts must be removed from my credit report as they were opened or closed without my knowledge or authorization : 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 XXXXXX/XX/XXXX ) Changes score b/c it drop from XXXX to XXXX Need to report XXXX XXXX. Privacy Violations : a. In accordance with XXXX CFR Part XXXX, which regulates the privacy of consumer financial information, there has been a violation of my privacy due to the disclosure of non-public personal information without proper authorization. 
b. As per the Privacy Act of 1974, my personal and private information has been mishandled, violating my rights as a private individual.

c. Under 15 USC 6802, I am entitled to be given the option to opt-out of the sharing of my non-public personal information. This was not provided, constituting a violation of my legal rights.

d. According to 15 USC 6805, entities are required to enforce the disclosure limitations of personal information, which was not respected in this case.

3. Right to Opt-Out : I affirm my legal right to opt-out of the sharing of my personal information as outlined in 15 USC 6802. This right has been infringed upon without my knowledge or consent.

4. Request for Resolution : I demand that the unauthorized accounts listed above be investigated and removed from my credit report immediately. Furthermore, I request that the responsible party for the privacy violations provide a full disclosure of how my personal information was used, along with assurances that such violations will cease going forward.

5. Enforcement of Rights : I hereby invoke my right to enforce the protection of my personal information and request corrective measures be taken to prevent further violations of my privacy under applicable federal laws.

I will be seeking compensation for these injuries to the consumer {>= $1,000,000} in A administrative hearing I will lien your company in tell the Compensation is payed in full I affirm under penalty of perjury that the above information is true and correct to the best of my XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 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:
I am writing to address significant concerns regarding errors in my credit report. During my review, I identified multiple inaccuracies, including incorrect account listings, unauthorized inquiries, and accounts that do not belong to me. These errors are incomplete, inaccurate, and unfair, and they are negatively impacting my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Last XX/XX/year> I reached out to a person named XXXX XXXX from the XXXX page XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which said that she is a verified breeder. I paid for a security deposit of XXXX $ for a puppy which she said will be ready by XX/XX/year>. I also paid XXXX $ for the puppys food which she said is not commonly sold in the market. On XXXXXXXX XXXX XXXX she asked for the remaining balance of XXXX . All the transactions were paid through XXXX XXXX. On XX/XX/XXXX at around XXXX, I went to check the XXXX page and apparently I couldnt find it anymore. I called her and several times to verify what happened but she wasnt answering my calls. She replied later on and asking again for XXXXusd for paperworks she said I requested. I refused to pay her and told her that I already completed my dues and I will not pay more unless I have the puppy. She told me she would find another buyer since I do not want to pay and I never received the puppy.

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 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX and Equifax, I am writing to dispute the validity and collection of the alleged debt associated with the above-referenced account, as well as its reporting on my credit file. While I acknowledge that proof of the debt with XXXX XXXX XXXX has been provided, the circumstances surrounding this debt render its collection and reporting invalid under Washington State and federal consumer protection laws. 

Legal Basis for Dispute Washington State Law ( RCW 59.18.650 ( 4 ) ( b ) ) : During the COVID-19 pandemic, I received financial assistance from XXXX XXXX to cover the majority of the rent owed to XXXX XXXX XXXXXXXX . Under Washington State law, landlords who accepted such funds were required to waive any remaining balance. The transfer of this debt to XXXX XXXX XXXX disregards these protections and violates tenants ' rights under state law. 

Assignment of Debt : While XXXXXXXX XXXX XXXX may have sold the account to XXXX XXXX XXXX, I did not agree to any relationship or contract with XXXX XXXX XXXX. The attempted collection of interest and fees on this account raises further legal concerns. 

Federal Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) : XXXX XXXX XXXX is prohibited from using deceptive or unfair collection practices. The continued reporting of this debt to credit bureaus without proper validation violates my rights under the FDCPA. Additionally, I have not been provided evidence of a clear transfer of this debt from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) : I am disputing the accuracy of this debt 's reporting to Equifax and other credit bureaus. As the debt arose under questionable circumstances during a protected period, its collection and reporting are not valid. 

Actions Demanded XXXX XXXX XXXX : Immediately cease all collection activities and remove this account from all credit bureaus. Provide written confirmation that this account has been closed and will no longer be pursued. 

Equifax : Remove this account from my credit report and confirm in writing that the deletion has been completed. 

Provide documentation from both XXXX XXXX XXXX and Equifax to demonstrate compliance with all applicable laws. Failure to comply will result in complaints filed with the Washington State Attorney General 's Office. 


Please respond to this dispute within 30 days of receipt as required under the FDCPA and FCRA. If the matter is not resolved to my satisfaction, I reserve the right to take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I have reviewed my credit report and noticed the reporting of a collection account by XXXX XXXX that is inaccurate. According to the Fair Credit Reporting Act, I am entitled to dispute any information that's believed to be erroneous. For clarity, I am under contractual agreement with this company and I have NOT given any consent to share my personal information. I have not provided my signature to conduct business with this company.

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 2024-12-31 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: FL

Complaint narrative:
I have reviewed my credit report and noticed the reporting of a collection account by XXXX XXXX that is inaccurate. According to the Fair Credit Reporting Act, I am entitled to dispute any information that's believed to be erroneous. For clarity, I am under contractual agreement with this company and I have NOT given any consent to share my personal information. I have not provided my signature to conduct business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX cards from XXXX I purchased XXXX visa prepaid cards in XXXX of XXXX XXXX XXXX, worth {$500.00}. When I tried to use them, they were found to be worth {$0.00}. The cards were compromised before the purchase / activation. I provided all the proofs to the company, showing unauthorized transactions from other states. Checking on the internet, multiple people had this issue with these types of cards but they are still being sold in the market. Below is XXXX of my correspondence with the company. 
-- - I am reaching out to understand the next steps for XXXX giftcards that I purchased and were found to be fully drained out with unauthorized transactions. I opened the case with mybalancenow.com for all three cards and provided the documents that were asked. Case numbers from mybalancenow.com are as below XXXX : for {$200.00} with card number : XXXX XXXX XXXX XXXX XXXX for {$200.00} with card number : XXXX XXXX XXXX XXXX XXXX for {$100.00} with card number : XXXX XXXX XXXX XXXX All three cases were declined

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous inquiries that I have no knowledge of. Here are the accounts and dates that Ive found, XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX I also attached my identity theft report as well.

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 2024-12-31 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: TX

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: WI

Complaint narrative:
I am filing this complaint because multiple collection agencies have violated federal consumer protection laws. Below are the specific issues and violations : 1. Failure to Provide Validation Information The agencies listed above have failed to provide the validation information required under 12 CFR 1006.34 ( d ) and 15 USC 1692g ( b ). Despite this failure, they have placed collections on my consumer report.

2. No Opportunity to Dispute the Debt I was not given the opportunity to dispute the debt, as required under 12 CFR 1006.34 ( 9 ).

3. False, Misleading, and Deceptive Practices The agencies are engaging in false, misleading, and deceptive practices by misrepresenting the nature of the debts in violation of 15 USC 1692e. 
4. Unauthorized Reporting to Credit Bureaus These agencies are furnishing information to credit reporting agencies without providing required disclosures or validation of the debt, violating 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Consumer Actions Taken In my dispute letters sent to these agencies, I : 1. Disputed the debts in full and stated I do not owe them.

2. Revoked their communication rights via email, text, or phone calls.

3. Requested validation of the debts, including : Proof of the purchase agreement between the agency and the original creditor. 
Evidence that they are licensed and bonded to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA 's purpose is to : Promote the accuracy, fairness, and privacy of personal information Govern access to consumer credit report records Ensure that consumer reporting agencies act fairly and impartially Company experienced data breaches and more inaccurate information is reporting on my consumer report.

The courts do not have a bankruptcy file on me and that false information is being reported and the company stated they received the information from the court house even though thats violating section 11 U.S. Code 107 where it says bankruptcy court do not report that information to credit bureaus

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA 's purpose is to : Promote the accuracy, fairness, and privacy of personal information Govern access to consumer credit report records Ensure that consumer reporting agencies act fairly and impartially Company experienced data breaches and more inaccurate information is reporting on my consumer report.

The courts do not have a bankruptcy file on me and that false information is being reported and the company stated they received the information from the court house even though thats violating section 11 U.S. Code 107 where it says bankruptcy court do not report that information to credit bureaus

Company response to consumer: Closed with explanation