vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-19 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:
XXXX. Account XXXX XXXX XXXX Account number : XXXX This accounts is written as a charge off on my credit report and I never received any of the 1099 cancel of debt forms from original creditor and because of that this account is inaccurate and needs to be removed immediately if the account was written off by the creditor this means that the account is an taxable income and is paid off and that there should be an XXXX balance on the account and it should be removed from my credit report immediately thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: LEXISNEXIS
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
please take off these address i sent a complain about a year ago and no actions have been taking. please delete these addresses from my credit profile. 
XXXX XXXX XXXX XXXX md XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also XXXX XXXX XXXX Only right address is XXXX XXXX XXXX XXXX go against Accuracy and Integrity : The Fair Credit Reporting Act ( FCRA ) in the United States requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. This includes ensuring that addresses associated with an individual 's credit report are correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: MD

Complaint narrative:
please take off these address i sent a complain about a year ago and no actions have been taking. please delete these addresses from my credit profile. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also XXXX XXXX XXXX Only right address is XXXX XXXX XXXX XXXX go against Accuracy and Integrity : The Fair Credit Reporting Act ( FCRA ) in the United States requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. This includes ensuring that addresses associated with an individual 's credit report are correct.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputing the validity of this account from XXXX XXXX  XXXX. the account is hindering me from obtaining new credit. ive been denied several times because of this account. this account has been written off on XXXX XXXX XXXX  books as a business write off. per the IRS publication 4681 this is now icon on my end. so if this is considered to be income for mw than why is being reported. my pay check isn't being reported so why this. I have to pay taxes on it and it's still reporting thats fraud on behalf of the furnisher XXXX XXXX XXXX. this also is a violation go y consumer right. 


Transunion, XXXX, & XXXX have all violated my rights according to 15 usc 1681e and 15 usc 1691 I. please deleted this repossession of off my credit Ive given the car back come on guys what's up with all the fraud going on. this is secures fraud at its finest.

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 2024-02-19 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: FL

Complaint narrative:
I disputing the validity of this account from XXXX XXXX  finance. the account is hindering me from obtaining new credit. ive been denied several times because of this account. this account has been written off on mid Florida finance books as a business write off. per the IRS publication 4681 this is now icon on my end. so if this is considered to be income for mw than why is being reported. my pay check isn't being reported so why this. I have to pay taxes on it and it's still reporting thats fraud on behalf of the furnisher XXXX XXXX  XXXX. this also is a violation go y consumer right. 


XXXX, Equifax, & XXXX have all violated my rights according to 15 usc 1681e and 15 usc 1691 I. please deleted this repossession of off my credit Ive given the car back come on guys what's up with all the fraud going on. this is secures fraud at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
I have had a medical hardship that has cost me my career on XX/XX/2005z I contacted Freedom Mortgage & they sent a hardship packet. 
The 1st representative said I only needed to worry about the first few pages. I faxed the pages back to Freedom Mortgage & they said that they did not receive them on time & I would have to start the process over again. 
Freedom Mortgage remailed the packet & I filled it out & faxed it again. They responded that they did not receive the paperwork in full. I called them in XXXX & explained that our tax documents were destroyed in a fire. They said they would notate that to my account. I re-faxed the paperwork again, they denied it again, saying that I didnt have the included requested tax documents. I had already told them why and they said they would include that on my account, but they did not. 
At this time, I am moving forward with an attorney to represent me against Freedom Mortgage. 
I am XXXX, I have even offered to send them a copy of my medical diagnosis, they refused all of this. They have returned the paperwork or said that it was filled out in error, and it has been faxed back to them about five or six times at this point. They have left me with no choice but to contact an attorney so that I do not lose my home. 
Also, when I originally refinanced this house with Freedom Mortgage, they were supposed to pay off my credit card debt, and at the last minute they took my vehicle equity instead, and left me with the credit card debt. 
Freedom Mortgage is an evil company that needs to be shut down because they are taking advantage of people and giving them a higher interest rate while stealing their equity and then taking their houses.

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 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: KY

Complaint narrative:
This account has already been deleted and updated, they are now sending me more mail about a collection agency contacting me. I want this not to report anywhere on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
This is not a verification dispute. 

USDOe/XXXX Account # XXXX is old and is reporting 15 years on my credit report. 

USDOE/XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. Navient have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOEXXXX Account XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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:
XXXX XXXX XXXX, Are reporting a business credit card from my previous employer on my credit report. I have stellar credit and I was listed as a authorize user on the account NOT THE OWNER. I no longer am employed with the company and I have been victimized by the credit reporting agencies. This is not right and I would like for the credit bureaus to be held accountable for their actions. This mistake has cost me the opportunity to purchase a new home for my family and It should be fix ASAP! 

I have sent certified mail to XXXX as well as all three bureaus, the only option I have if this doesn't work is to SUE all parties involved... Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The reason for the dispute was due to delivery of the flooring that I purchased. When the merchandise was delivered I had received a call from the 3rd party service that Home Depot uses for delivery letting me know that they were on their way and they were delivering, at the time I was on my home driving. I informed the person I was speaking with to " Please the merchandise BY THE BACK DOOR '' so that it would be easier to bring the items in due to the kitchen being right there. When I returned home the merchandise was delivered on a palletized pallet wrapped with saran wrap " Thrown '' on my front lawn. I went to the store after I noticed this and I informed the manager at the time that the merchandise was not delivered in the area that I asked it to be in and that there was no way for me to move all that stuff by myself to the kitchen. She stated that I would have to pay for them to go back and pick up the merchandise. This was during XXXX XXXX weekendXXXX XXXX XXXX was going to be the upcoming XXXX. She stated that there would not be anyone to pick up the merchandise until then based on what the system was stating. I let her know that I was going out to town for the weekend the next morning and that the merchandise could not stay there all weekend. I also let her know that the area that I live in a HIGH THEFT area and with kitchen flooring materials sitting in the front lawn for anyone to come and take was possible. She set the delivery for that XXXX  ( XXXX XXXX ), I received XXXX call from the XXXX party service that picks up and the guy did not speak fluent XXXX and hung up on me. That was the ONLY time that I communicated with home depot about the pick up after the fact. When I returned home later that evening there was nothing there. Since then I have been disputing the entire purchase from my credit card, however they continue to say that I am responsible for the merchandise that I do not have. I have reached out several times to the store manager due to credit services stating that they dispute needed to be resolved through the state, I spoke to the store manager ( XXXX ) ONCE and that was it. She stated that she was going to reach out to the delivey/pick up company that home depot uses via email and woul reach back out. I have since attempted to call the store several times asking for her and each time she is either not in or just left for the day or will be in tomorrow. I have also sent emails to her as well as follow ups with no response. Ive disputed with the credit bureaus with no resolution either.

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 monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Received a payment/transfer through venmo of {$500.00} on XX/XX/2024 from a friend and immediately after venmo froze my account and restricted me from transferring my money into my personal bank account. Currently venmo has frozen my account and I am not able to access my {$500.00} balance. They have not provided me a reason of why they froze my account and have denied my request to talk to their security department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Turner Acceptance Corp.
State: FL

Complaint narrative:
I paid my loan to turner acceptance phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 4 years, now the easy the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who says I owe another XXXXXXXX XXXX I am being over charged, I could have gotten a better car, XXXX or something for. XXXX were talking about a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: PA

Complaint narrative:
On XXXX  XX/XX/XXXX I accessed my XXXX credit card and noticed my credit score had substantially decreased. I accessed my Experian credit report through XXXX. In addition to the current credit accounts I own, an additional credit line was listed through XXXX  XXXX XXXX. Per the report the account was opened on XX/XX/XXXX, its current balance is {$6600.00} with a credit limit of {$6000.00}. 

On XX/XX/XXXX I contacted Experian regarding the issue. They requested I contact XXXX  XXXX XXXX and initiate a fraud complaint. I called XXXX  XXXX XXXX on XX/XX/XXXX. They were unable to identify the account based on my name, social security number or the account details listed above. They initiated an investigation that I was told would take 7-10 business days, with final outcome being reported to the credit bureaus and taking up to 90 days to process. I relayed this information to Experian who advised I report this issue to the FTC ( which led to this page ) and my local police. They also informed me that I can complete a dispute through Experian which would be an independent process from the XXXX  XXXX XXXX XXXX, and take up to 45 days.

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 2024-02-19 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: LA

Complaint narrative:
Late payments are being reported on my credit report and under state law it does not say any transaction needs to be reported. What about privacy and consent?????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I had received and email from XXXX XXXX about an account being sent to collections with instructions to respond by XXXX. I had responded on XXXX just like the email said in the subject line " Dispute '' with the associated reference number. Attached to the email was a debt verification request and dispute of debt letter. The original email said that as long as they received, telephonic, written or electronic communication by the established date they would not submit to the various credit bureaus without first verifying the debt and that could take 30 days. I have never received a response to my initial verification request yet today my credit has been negativity effected even though I did what I was initially asked. I sent another email asking why this has happened and still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MI

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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