vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Dear Transunion, I have never entered into a contract with the creditor and collection agency listed below. Therefore, I request that this account be removed because it is inaccurate, and not 100 % on my credit report. My next decision will be to file a lawsuit for statutory damages for inaccurate reporting. I have disputed this several times and nothing seems to be done or accomplished. Therefore, I will include TransUnion, XXXX, & Velocity into my lawsuit. 

I have requested a copy of the original contract with my original signature. I have requested a copy of the payment history made by me. I have requested the proof of the debt assignment and proof that I legally owe this debt. And lastly, none of these companies supplied back to me what I requested and it has been more than XXXX, which I will include in my lawsuit if not removed from my credit report. And they have never sent me a 1099c because I never entered a contract with this creditor. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. XXXX FCRA XXXX XXXX, it is illegal to report inaccurate information on my credit report. Please remove this item from my credit report. 15 U.S. Code 1681 ( a ) ....

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from theft. The account listed above should not be furnished in my consumer report as it is in VIOLATION!!! Under, 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which VIOLATES my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of this account. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ), XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

Thank you for your assistance. 

I personally signed and sent this letter. I am NOT being represented by any credit repair agency or third party. 

Sincerely, XXXX XXXX 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
XXXX XXXX XXXX Dear XXXX, I have never entered into a contract with the creditor and collection agency listed below. Therefore, I request that this account be removed because it is inaccurate, and not 100 % on my credit report. My next decision will be to file a lawsuit for statutory damages for inaccurate reporting. I have disputed this several times and nothing seems to be done or accomplished. Therefore, I will include XXXX, XXXX, & Velocity into my lawsuit. 

I have requested a copy of the original contract with my original signature. I have requested a copy of the payment history made by me. I have requested the proof of the debt assignment and proof that I legally owe this debt. And lastly, none of these companies supplied back to me what I requested and it has been more than XXXX, which I will include in my lawsuit if not removed from my credit report. And they have never sent me a 1099c because I never entered a contract with this creditor. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. XXXX FCRA XXXX XXXX, it is illegal to report inaccurate information on my credit report. Please remove this item from my credit report. 15 U.S. Code 1681 ( a ) ....

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from theft. The account listed above should not be furnished in my consumer report as it is in VIOLATION!!! Under, 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which VIOLATES my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of this account. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ), XXXX XXXX XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

Thank you for your assistance. 

I personally signed and sent this letter. I am NOT being represented by any credit repair agency or third party. 

Sincerely, XXXX XXXX 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I believe that my personal information has been reported to your database without my explicit consent or authorization, which constitutes multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, XXXX and Innovis have failed to secure my consent or provide required disclosures related to data collection and sharing. I request immediate rectification of these violations as outlined below. Violations : Unauthorized Collection and Reporting of Consumer Information Under 15 U.S.C. 1681b, a consumer reporting agency must have a permissible purpose before collecting or reporting consumer information. XXXX and Innovis have collected and reported my personal data without a valid, permissible purpose, in violation of the FCRA. Failure to Provide Required Opt-Out Disclosure and Privacy Notice Under the GLBA, 15 U.S.C. 6802 ( b ), financial institutions and related entities must provide consumers with a clear and conspicuous notice of their right to opt out of information sharing with non-affiliated third parties. In addition, under 16 CFR Part 313 ( Regulation P ), these entities are required to provide initial and annual privacy notices to inform consumers of their data-sharing rights. LexisNexis and Innovis failed to provide me with any such notice or opt-out option, violating both 15 U.S.C. 6802 ( b ) and 16 CFR 313.7 and 313.10.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
The details : So basically I was conned in a " digital marketing '' platform scam. I was initially told that I didn't need to put any of my money involved and in the beginning I didn't. But then I came across I high ticket order and in order to get my account out of the negative I needed to add money into their platform/account. They originally gave me {$70.00} and let me keep my commissions for the first XXXX days .... even let me transfer my money out of the account a few times ... .now I have XXXX high ticket orders with just a little less than {$600.00} of my own money in this account and their asking for me to add more so I'll be able to finish this data set and then I can cash my money out. Because according to their rules you cant cash out until after completing your data sets... .But I really don't know what to do. I reached out to someone that I found on reddit that claims to get you your money back... I think he's XXXX XXXX XXXX  and just another scammer. Their platform is called XXXX 

When I talked to the person I found on reddit, they sent me supposedly a screenshot of the scammers portfolio showing them having XXXX tokens. I was able to send the reddit scammer a little information from my interactions with the scammers, sent them some blockchain information and supposedly they were able to show an account by the scammers. ( See below ) XXXX XXXX XXXX # tokentxns All the transactions went through cash app and converting my funds in cash app to bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
Upon checking my credit report I have discovered a fraudulent account from XXXX XXXX XXXX with account number XXXX opened on XXXX, this account is fraudulent and was opened without my consent, please delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MI

Complaint narrative:
As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I am hereby formally opting out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have granted to TransUnion or any affiliated entities to share my personal and financial information. This opt-out is made pursuant to 15 U.S.C. 6802.

Specifically, I am opting out of the sharing of the following information : XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : 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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXXm honestly not sure what this debt even is, all I ever receive are continuous phone calls from debt collectors. This debt is for {$670.00} and was opened XXXX XXXX but once again has been reopened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 2024-11-11 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:
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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXXavy Federal XXXX illegally charged my checking account overdraft fees estimated at {$30000.00}. I have contacted them verbally asking to refund the overdraft fees. However, no recourse was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MI

Complaint narrative:
Experian continues to report an inaccurate address on my file despite numerous request to remove it. Attached is a copy of my utility bill showing my address.

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 2024-11-11 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, TransUnion, and XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I sent disputes to each agency. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I demand that these accounts be removed for violating my rights to privacy. I also demanded that my information be removed due to the breach.

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 2024-11-11 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: IL

Complaint narrative:
By checking my credit report I have found a fraudulent account from XXXX XXXX XXXX with the account number XXXX opened on XX/XX/2017, this account is fraudulent please remove it from my credit report as soon as possible.

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 2024-11-11 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: CITIBANK, N.A.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX XXXX XXXX is a non-profit XXXX ( c ) XXXX that has been serving the community for XXXX years and is currently operating as a combined family service, community action program, and behavioral health organization serving up to XXXX individuals across the lifespan. As of XX/XX/XXXX, XXXX launched as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Our mission is to support individuals and families of all cultural backgrounds in their efforts to meet economic, social and emotional challenges and enhance their well-being. 
XXXX XXXX ( XXXX XX/XX/XXXX ) is currently served in our XXXX XXXX XXXX program, in which he was enrolled on XX/XX/XXXX. He had a prior enrollment XX/XX/XXXX XX/XX/XXXX. XXXX XXXX is being treated for XXXX associated with a history of XXXX including being victimized through XXXX XXXX 
On behalf of XXXX XXXX, I am requesting that XXXXrelated information from his credit report be blocked immediately. This includes all entries associated with the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX signature XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX { XXXX ) 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 2024-11-12 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: NC

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 please 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 2024-11-11 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:
By checking my credit report I have found a fraudulent account from XXXX XXXX XXXXXXXX with the account number XXXX opened on XX/XX/year>, this account is fraudulent please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief