vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is explained how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. 

My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. 

I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX years old. 

The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. 

If I owed this alleged debt I would've learned of it far earlier than XXXX  years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
About a year ago, XXXXXXXX XXXX  declined my application for a XXXX. They disclosed they used information from LexisNexis/XXXX. When I requested the my consumer report from this consumer reporting agency, I found numerous entries with wrong or inaccurate information such records of another person 's name and address, emails, I have never used ; phone numbers I have never had. I have filed more about three disputes to remove this incorrect/inaccurate information. Each time the updated report returns with the same information ; no deletions. The only deletion that was made was an old bankruptcy filing that was still on my consumer report beyond the 7 year deadline for deletion of a XXXX XXXX Bankruptcy. It took me to file a dispute twice before it was deleted. 
This consumer reporting agency has more than 50 pages for each of their reports. So far, I have disputed content in my California consumer report because it is shorter. The problem with disputing with this agency is there is no written form to complete to file a dispute. You have to orally file your dispute line by line with a representative in real time over the phone. This can be tedious and quite frankly, I do not feel that he or she is effectively making note of the stated disputes, which is why I believe the records are unchanged or remains on the file. On XX/XX/23, XXXX XXXX called me to verify my address on file with them because they received a notice from XXXX that my address had changed. When in actuality, XXXX was trying to verify an old address in my file. This not the way to address a consumer 's dispute of their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. 

My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. 

I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX XXXX XXXX. 

The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. 

If I owed this alleged debt I would've learned of it far earlier than XXXX  years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NCC Holdings, LLC
State: CA

Complaint narrative:
National Credit Center is in parnetship with XXXX XXXX XXXX XXXX I would like NCC to answer me and the Consumer Financial Protection Bureau what The National Credit Center is agreeing with XXXX XXXX XXXX XXXXf XXXX with? That is on page XXXX, as it states on page XXXX under XXXX XXXX  If appliable to transaction, to help the government XXXX XXXX and XXXX XXXX activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore under XXXX Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX  XXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
XXXX XXXX 9.5 % APR for a XXXX loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third point why did it take all day ( approximately XXXX minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page XXXX how did XXXX XXXX get my XXXX XXXX number? I did not give it to him. I do not carry my XXXX XXXX card in my pocket. I have not needed it in years and years. 
XXXX XXXX, what does XXXX XXXX mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX XXXX XXXXXXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX XXXX XXXX  XXXX in their last Consumer Financial Protection Bureau report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: PA

Complaint narrative:
This is the 3rd time I have disputed a serious error with XXXX XXXX # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX. 
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!

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 2023-10-12 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I attempted to cash out {$1100.00} to my XXXX checking account /debit card linked via Cash App ( formerly Square XXXX XXXX Block , Inc . 

The money did not deposit to my account, and the transaction showed the money was instantly deposited to XXXX XXXXXXXX XXXX. I do not have XXXX  XXXX XXXX & immediately knew my account was compromised as the money did not go to my account, but instead showed it went to XXXX. 

I attempted to report this thru their online app support & I was locked out of my account, & could not get back in. It frightened me as I knew someone else was accessing my account they the app. 

While I couldt access the app, I also received a text from cash app stating my card had been unlinked. Further supporting my account was compromised. 

I then called my bank to report that my account & debit card information was compromised & to cancel my card to protect my account. 

I tried contacted cash app again via phone & the the only explanation was that it was a Glitch in the app & that my money was now rerouted to the proper account and had no further information to provide me. A Glitch that could send my deposit to account that did not belong to me, a glitch that locked me out of the app, and a glitch that unlinked my debit card. 

They never suggested to cancel the card, change a password, close the account or anything to protect me as the consumer. I in fact had to request to close my account. They took no steps/ precautions to protect my information. 

Financial institutions are required to take steps to protect the privacy of consumers ' finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act and Block, Inc. took no steps to protect me or any of my personal information.

What happened to me today, was in direct violation of the Gramm Act & the information-sharing practices to safeguard sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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:
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 2023-10-12 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: TN

Complaint narrative:
Upon making it clear to the company Experian during my phone call with them on XX/XX/2023 at XXXX Central Time about correcting my personal information, the agents on the call rejected to do so, and I was transferred over and over several times to different people and departments. I expressed my frustration about the company giving me the run around and they said they would fix the problem. Not only did they not fix the problem, but they added more personal information that does not belong to me on my credit report. They were being difficult refusing me when I told them the FCRA stated that information on my credit report must be XXXX percent maximum accuracy 15 USC 1681e ( b ). They denied the law and refused to remove the information after several transfers. I told them that the extra name on my report was not used by me and that it was fraudulent. Regardless of this notice they still refused to fix the problem and told me to fix it myself. I want justice for mistreatment from agents that don't know the rights of consumers in this country. The following information I want deleted as they are not used by me : Please block and delete the following names, I did not authorize these variations of names : XXXX XXXX XXXX XXXX XXXX XXXX My correct name is : XXXX XXXX Please block and delete the following addresses, they are unauthorized and inaccurate : 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 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 2023-10-12 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: MD

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
On XX/XX/2023, I ordered an air conditioner from XXXX for {$470.00}. It was marked delivered on XX/XX/2023. It was not delivered to my house, it was shipped through XXXX  and the photo they uploaded was not my house. After contacting XXXX they told me I would need to dispute this charge with my credit card company. I have been disputing this charge since, for a total of 5 months, over and over. XXXX sends them a " proof of delivery '' which has NO details attached to it whatsoever, and they then close the dispute in XXXX favor. I have provided multiple times, pictures of my house in person ( including the house number ON THE HOUSE ), along with screenshots of my house on XXXX  services like XXXX maps, and in comparison the delivery photo attached to the XXXX  tracking number showing a different house. American Express has continuously refused to look at the proof I have provided, and has continuously closed this dispute in XXXX favor citing that they have provided " supporting documents '' but only showing the same " proof of delivery '' page which shows nothing but simple text saying the item was delivered to the property address ( it wasnt ). 


I have submitted a complaint against the company already and they did NOT resolve the issue, they did nothing other than provide the same INCORRECT information they have been providing to me this entire time. If this complaint can not be resolved this time, I will have no other choice than to take this to court. I will NOT be paying for an item that was not delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer 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

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 2023-10-12 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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

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 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
On XX/XX/2023 I transferred {$500.00} to my XXXX checking account from my cash app account. I got a notification showing completed, but three minutes later I received a notification on cash app that the transfer was declined by XXXX XXXX XXXX XXXX CA. I have been in contact with both Cash app customer service and XXXX Customer service. XXXX customer service explained to me that they have no pending transactions of {$500.00} on their end which makes sense since the {$500.00} was declined XXXXhree minutes after the initial transfer that showed completed. I disputed my case to cash app showed proof and was declined to be refunded for my {$500.00} which clearly is a clerical error on their behalf. All I want is my {$500.00} back its been well over 7 days and I'm at a loss of {$500.00} that disappeared into thin air with no help or resolution from the main source which is cash app.

Company response to consumer: Closed with explanation