vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them XXXX times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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:
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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX : Account NumberXXXX Account Name : XXXX  : Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 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 2023-12-02 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: TX

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. 


Account Name : XXXX XXXX XXXX : Account Number : 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 has violated my rights. Or list of inquiries 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
Professional collector corporation is at it again. Professional collector corporation is reporting on my XXXX and XXXX. Pcc  is reporting to XXXX they are reporting a bill that is from XXXX in the amount {$4000.00}. They are also reporting the same bill for XXXX on XXXX for {$1100.00}. Funny thing is I talked to XXXX XXXX and he said that they are not reporting this bill to XXXX. I didnt realize these sneaky people were reporting on my credit bureau on XXXX XXXX well. XXXX has bills that they put on my credit bureau which is XXXX twice. Which is XXXX, XXXX which is on XXXX and XXXX XXXX as 2 different amounts. They also have on XXXX bills that are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All of these bills I just listed are not owed to pcc which they are representing XXXX XXXX XXXX These bills are actual fraudulent since these bills dont exist. If the Wisconsin department of financial institutions would had done there jobs and took away professional collector corporation license this would not be going on. Pcc/ XXXX XXXX XXXX gave all of the bills that are not due to them since my health insurance picked up all of my medical bills with a contractual agreement. Nobody should have the power like these people do and try to ruin someones credit to get money that is not due to them. I truly believe that pcc is not a true collection agency because nobody would put so much on the line unless there is some serious fraud going on. Where did these bills come from that you are reporting on my XXXX and XXXX? Everything that pcc sent to the XXXX department of financial institutions doesnt add up to what I received and what they are reporting on my credit bureau . According the the records that pcc sent to XXXX and then made copies and sent me these bills are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I have written a complaint against this company XXXX times since an issue arose over who owned the car. I was forced to file a lawsuit for this matter, however, my complaint today relates to this showing on my credit report. According to XXXX of the XXXX leaders, they will remove this information from my credit report and close my account. Furthermore, it would not appear on the credit report as a charge off. In the letter that I will attach, it is also stated that the account would be deleted. Due to the issues we have had, I would like them to completely delete this account, as if it never existed. I believe that they are under the impression that I am asking them for the vehicle. As far as I am concerned, that is a legal issue that can only be addressed in court. I am asking that they keep their promise which is deleting this vehicle from my report I do not take ownership for any loans are liens With Flagship.

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX, Navy Federal restricted all of my debit cards and state it is for a year. They did not inform me of this restriction. When I contacted them they state it is because of fraud claims. I have had three claims and they state I have had 5. One claim was due to their negligence in including the charge in the previous claim. They state there is a limit but this information is nowhere to be found. They have in their agreement a XXXX tolerance for fraud and to use your debit card freely without worry and charges would be covered. My information was stolen and I reported it. Also, I am a XXXX woman who can not always go into the bank to withdraw cash and I rely solely on the use of my card to buy groceries, buy my kids clothing and pay my bills. They are denying me access to my funds with my card and they do not offer checks. Furthermore, I spoke with an account specialist who stated that cards get stolen if entered into XXXX XXXX but they send you the card information prior to you receiving it in the mail and say to enter it into XXXX XXXX. She stated it was my responsibility to not so such but they email you and tell you to. I attempted to open another account at Chase Bank and set up to transfer my funds to them so I could have access and they denied my transfer and stated that they would not allow any transfer to that account. I have funds in my account and I am also on my sons, husbands and mothers accounts there and none are in bad standing. My husband has been XXXX XXXX for over 17 years and had an account there and I have had one since XXXX. I followed their instructions in reporting when someone stole my information and I am punished for such and not permitted to have a card or transfer my money out of the account. As I stated I am XXXX and have been since XXXX and can not go into a branch just to get access to my funds and they are denying me my rights and will not give me the proof I asked for. This has caused me added stress and now am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They have treated me terribly and like a criminal when I did nothing wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; ( Original Creditor : ) XXXX Balance : {$800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them XXXX times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable 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 explanation
Consumer complaint received 2023-12-02 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:
On XX/XX/XXXX, I sent my FTC report. Along with my license to XXXX, Equifax, and XXXX. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent my FTC report. Along with my license to Experian, XXXX, and XXXX. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.

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 2023-12-02 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 hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in 2018. After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem to Equifax Credit Information Services LLC to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Equifax. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Equifax initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. 

The accounts in question are : XXXX XXXX XXXX, XXXX  XXXX. 

Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. 

I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: AZ

Complaint narrative:
I have tried to correct my personal information, The consumer agency was suppose to update my personal information but when I received my consumer report it was not updated. Therefore, the information that's on file is incorrect. I would like to have my information updated. I can't get a consumer report from Equifax because I never signed up to get my report because the security questions are not mine and I informed them of that as well. I was told there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I made crypto currency deposit to Robinhood. They say they can not verify the legitimacy of the funds and so closed my account with my funds still stuck there. 

Now they say they are unable to return the money to me. Can they return it to the depositing source then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: DE

Complaint narrative:
Loan care mortgage XXXX I just open a loan in XXXX end of started XX/XX/XXXX so first thing I call in XX/XX/XXXX to make a payment for XXXX in which I did they assured me they would take out a auto pay for XX/XX/XXXX XXXX aa in I pay XXXX XX/XX/XXXX and pay XXXX by the XXXX so they took XXXX plus XXXX. Well they told me the couldn't give me money back atleast 2 weeks. So my bank stop pymnt to get reversed so for XXXX payment they was to take XXXX and to monthly they put it on interest. So I spoke to the company XX/XX/XXXX they said they would take XXXX put in for paymnt and I paid them XXXX that day so XXXX I had paid and I said will pay the next week. Well I cant anybody on the phone since XX/XX/XXXX. I been calling everyday they say they're system down. I can't get anyone to talk to me I checked the website they got everything everything wrong so I can't reach nobody by email so what can I do. I have no way to make a payment now for over 2 weeks but they are going say I am late. I don't know what to do. There phone not working there website down. This is soo upsetting. CAN YOU FIND OUT WHAT IS GOING ON PLEASE HAVE THEM CONTACT ME TO PAY AND DONT REFLECT 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I did a pledge Loan with XXXX XXXX XXXX XXXX, and they dropped my scores for no reason I lost XXXX points on Equifax. 

I need an explanation ; I haven't even made payments yet. 

I did a pledge loan for {$500.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING reported a debt on my credit report without any contacting me. I didn't find out about this debt they claim I owe until I checked my credit report. my credit report states that I owe LVNV FUNDING {$780.00}. Credit report shows that the account was open XX/XX/2022. I disputed the debt and XXXX stated that the debt was verified. I never received any information about the debt from LVNV FUNDING.

Company response to consumer: Closed with explanation