vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations.

BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i am requesting deletions of inaccurate accounts and to put the CRAs on notice of violation, per 15 usc 1681i ( 6 ) ( b ) ( 3 ) for non re-investigation of inaccurate accounts

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reel Time Capital LLC
State: TN

Complaint narrative:
Company calling me claiming to be process server. Threatening to file with court and saying a crime was committed. Calling family and work and revealing Info and telling them about filing a court case. No revealing who they are or contact Info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I have a {$700.00} loan with CashAdvanceNow. I took the loan out on XX/XX/XXXX. Every 2 weeks they are taking out {$210.00} I asked in XX/XX/XXXX what the total was to payoff and I was told that it was {$930.00} via ACH. I could not afford that amount all at once so I have made 5 more payments since that time. I called today XX/XX/XXXX which is approximately 2 months later and now they are telling me the payoff is well over {$1000.00}. I Am not in agreement with this as well as I asked to pay extra money into the Principal and they stated that was not possible but extra money goes into both Principal and Interest. I told them I them and escalated to a Supervisor, that I was going to report this that they are independent of the Federal Government the US rules do not apply to them. I would like to discontinue this loan but this is a trap and the closer I get to the end the more I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Since XXXX of XXXX I have traded stocks on the online website Robinhood.com with no issue. However, when I recently tried to withdraw funds from my account for a vehicle repair, I found that all of the options to withdraw money did not work. Bank transfer, wire transfer, check, etc were all listed but none of the functioned. I have over {$4000.00} sitting in my account that I am not able to access. This is an online fraud scheme to defraud investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
All companies that are reporting to my consumer report are continuing to report nonpublic information to my credit report. I have already sent each company opt out letters which stated that I am opting out of anything being reported to my credit report that I do not agree to have reported. According to the FCRA and the Privacy of 1974, I have the right to make sure my PRIVATE information isn't shared with any credit reporting agency or its affiliates. I have never given them written, non-verbal, verbal or implied consent to report any of my nonpublic information to the Consumer Reporting agencies. 15 UCS 6802 states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. I've also sent letters to XXXX, XXXX and Transunion and revoked any consent to furnish any information to my consumer report that I do not agree to have furnished. According to 12 CFR 1022.3, the definition of Identity theft, which means a fraud committed or attempted by using the identifying information of another person without their AUTHORITY, this matter could also be identified as IDENTITY THEFT because i never gave them any authority to do so. There reporting has severely impacted my credit score and I would like to be fully compensated for this.

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 2024-02-12 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: CA

Complaint narrative:
All companies that are reporting to my consumer report are continuing to report nonpublic information to my credit report. I have already sent each company opt out letters which stated that I am opting out of anything being reported to my credit report that I do not agree to have reported. According to the FCRA and the Privacy of 1974, I have the right to make sure my PRIVATE information isn't shared with any credit reporting agency or its affiliates. I have never given them written, non-verbal, verbal or implied consent to report any of my nonpublic information to the Consumer Reporting agencies. 15 UCS 6802 states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. I've also sent letters to XXXX, Equifax and XXXX and revoked any consent to furnish any information to my consumer report that I do not agree to have furnished. According to 12 CFR 1022.3, the definition of Identity theft, which means a fraud committed or attempted by using the identifying information of another person without their AUTHORITY, this matter could also be identified as IDENTITY THEFT because i never gave them any authority to do so. There reporting has severely impacted my credit score and I would like to be fully compensated for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: RI

Complaint narrative:
My entire XXXX federal tax return was deposited into a PNC bank account I do not know or have any affiliation with. XXXX XXXX XXXX XXXX reached out to PNC bank in good faith to get the funds, they REFUSED to send them back. Their client got my entire tax return and they will not give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
I recently review my credit report and noticed I have a fraudulent account opened by XXXX XXXX XXXX. I have never had any business with this company or agreements and need this removed from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: IA

Complaint narrative:
XX/XX/2021, Sunlight financial has you sign into docu sign to answer personal questions to access your loan or any information you have with them concerning our solar project that hasn't been finished in almost Three years.When you sign in you only have to use the last four of your ss # and answer the personal question, you can answer all the questions falsely and it still opens up all your personal information.So all someone has to do is have access to the link and they can steal all my identity information and ruin my credit etc.Sunlight and XXXX XXXX bait and switch customers into their solar systems and in the end the consumer is taken.Then they add another loan company XXXX XXXX XXXX none of these companies follow through with the contracts.I have alot more information if needed because I don't know what you can all help with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
i have amount XXXX owned to jefferson capital due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ongoing issues with XXXX, we did not know our loan was transferred to XXXX XXXX and still have not received notice. Also, did not know our autopay was stopped, they claim delinquent funds however no evidence at my bank nor did receive any notification. 

We found out from a VA letter. XXXX claims they tried to call and send a letter however nothing showing on our electronic correspondence or physical mail. They finally XXXX XXXX us a letter and included letter of late payment, however do not believe they really mailed it and possible made it up when we complained. They only responded after compaining to multiple agencies. 

XXXX is trying to close our complaints stating it is resolved, but it is NOT. We still need notice of transfer and also our credit report corrected. 

We can not reach a real person to help and still have many issues 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 2024-02-12 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: FL

Complaint narrative:
Ongoing issues with XXXX, we did not know our loan was transferred to XXXX XXXX and still have not received notice. Also, did not know our autopay was stopped, they claim delinquent funds however no evidence at my bank nor did receive any notification. 

We found out from a VA letter. XXXX claims they tried to call and send a letter however nothing showing on our electronic correspondence or physical mail. They finally XXXX XXXX us a letter and included letter of late payment, however do not believe they really mailed it and possible made it up when we complained. They only responded after compaining to multiple agencies. 

XXXX is trying to close our complaints stating it is resolved, but it is NOT. We still need notice of transfer and also our credit report corrected. 

We can not reach a real person to help and still have many issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ongoing issues with XXXX, we did not know our loan was transferred to XXXX XXXX and still have not received notice. Also, did not know our autopay was stopped, they claim delinquent funds however no evidence at my bank nor did receive any notification. 

We found out from a VA letter. XXXX claims they tried to call and send a letter however nothing showing on our electronic correspondence or physical mail. They finally XXXX XXXX us a letter and included letter of late payment, however do not believe they really mailed it and possible made it up when we complained. They only responded after compaining to multiple agencies. 

XXXX is trying to close our complaints stating it is resolved, but it is NOT. We still need notice of transfer and also our credit report corrected. 

We can not reach a real person to help and still have many issues 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 explanation
Consumer complaint received 2024-02-12 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:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A judgment was mistakenly placed on my credit report. I have been disputing this with the credit bureaus since it appeared on my reports. I have even filed complaints with XXXX, FTC with no resolution. My attorney has even reached out to resolve this matter 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 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Ive sent Register Funds ( XXXX XXXX XXXX ) by mail many times. A USD {$200000.00} dollars International bill of exchange was sent to the trustee of the company. Which would be Wells Fargo 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. For a discharge of a debt. No response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Both a departments of WELLS FARGO. The envelope that was sent with no corresponding name on it had no stamp on it as well. This means you did not register my security with the SEC ( Security Exchange Commission ) as asked. There are more registered fund numbers as well. The envelope with a letter that was sent to me on XX/XX/2024, and received on XX/XX/XXXX. Did not have a stamp on. The XXXX XXXX company loan number XXXX. XXXX XXXX has a fraud loan contract thru XXXX XXXX XXXXXXXX XXXX. THE LOAN WAS PAID WHEN SHE SIGNED HER NAME THE ONLY NAME ON THERE .. Ive also filed a complaint with the FEDERAL TRADE COMMISSION . Which is also a trustee bank for XXXX XXXX XXXX XXXX. The recoupment dividend of their Treasury Coupon has not been accredit to her account as well as XXXX XXXX XXXX XXXX. EVER statement/bill send was not registered with SECURITY EXCHANGE COMMISION XXXX The book entry would show it all. 
The regulation that your bank has to follow comes under G.A.P.P. - GENERALLY ACCEPTED PRINCIPLE AND PRACTICES. You are not a government agency, meaning you do not have the authority to have my name, social security, etc. 
Ive try to cash my International Bill of Exchange/ Lien Check/ Bill of Exchange at Wells Fargo Bank N . A.. You should know which location. I was denied. OUR DEPOSIT IS INSURED {$250000.00}, FDIC FEDERAL DEPOSITORY INSURANCE CORPORATION. How do I access that? 
Tell me, please. If I had to make a guess I'll say a closed account or a wire transfer while the account is still open. ( ALL LEGAL BY THE WAY., ) I was denied a credit card when my credit is unlimited. Fasle Credit score from XXXX. [ FRAUD } ( XXXX should not have my information according to the Privacy Act and WELL FARGO BANK N.A POLICY. ) THE NAME XXXX XXXX XXXX XXXX IS COPYRIGHTED AS WELL UCC NUMBER IS XXXX - XXXX. AND COPYRIGHT NUMBER IS 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 2024-02-12 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: PA

Complaint narrative:
the items that i request deletions from Equifax are the following because i am a victim of identity theft are as follows : FAMILY SUPPORT DIVISION XXXX {$4200.00} XXXX XXXX {$4200.00} XXXXXXXX XXXX XXXXXXXX {$24000.00} XXXXXXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX XXXXXXXX {$1600.00} i have provided attachments below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I was in XXXX from XX/XX/XXXX until XXXX of XXXX. Some accounts were opened in my name while XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: AL

Complaint narrative:
i am requesting deletions of inaccurate accounts and to put the CRAs on notice of violation, per 15 usc 1681i ( 6 ) ( b ) ( 3 ) for non re-investigation of inaccurate accounts

Company response to consumer: Closed with non-monetary relief