vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX , DE  XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate and fraudulent account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized accounts reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK
State: IL

Complaint narrative:
On XX/XX/2023, I sent a letter to XXXX XXXX XXXX asking for verification of the debt. The letter was sent by certified mail. I received the signed card back, but NO proof of the debt is owed by me. They continue to report on my credit. I have never had an account with this company. 

Under the Fair Debt Collection Praction Acrt 15 USC 1692g Sec. 809 ( a ) and ( b ). They had XXXX  days to supply the information and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
NAVY FEDERAL CREDIT UNION IS WELL AWARE OF THE FRAUD THAT IS REPORTING ON MY ACCOUNT. THEY HAVE RECIEVED POLICE REPORTS FTC REPORTS AND THEY HAVE DONE THEIR OWN INVESTIGATION. DURING THAT TIME THEY FOUND VIDEO EVIDENCE OF THE PERSON COMMITTING THE FRAUD. BUT YET AND STILL THEY CONTINUE TO REPORT THIS FRAUD TO XXXX, DAMAGING AND HARMING ME. MY CONSUMER RIGHTS ARE BEING VIOLATED IN MULTIPLE WAYS, AGGRAVATED IDENITY THEFT [ 18 USC 1028 A ] AND WILLFUL NON COMPLIANCE. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] THE LAW SAYS IDENTITY THEFT MUST BE BLOCKED WITHIN 4 DAYS [ 15 USC 1681 C-2 ] NAVY FEDERAL ACCT # XXXX .I will also be seeking XXXX per VIOLATION IF NOT DELETED ASAP 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1682g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civilliability for willful noncompliance [ 15 U.S.C.168in ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: OH

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts 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 2024-02-13 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-13 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-13 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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I entered into a Mercari transaction in the amount of XXXX, Mercari Invoice ID - XXXX - for a XXXX for a new computer I was building. The part was listed as new, but was used ( and was previously registered to a different person unbeknownst to the Mercari seller - XXXX XXXX who sold the unit ). Unfortunately, the item being registered in someone else 's name, but sold as new, completely voided any kind of warranty on the item, which is a huge problem. In short, the item was not as described, and its just an unfortunate situation. I made contact within 72 hours to the seller letting them know of the issue ; however, Mercari is not wanting to return the funds, and is giving me significant grief surrounding the matter. They keep pointing me back to a 72 hour window, which I made contact in the 72 hour window. The Mercari Seller ( XXXX XXXX ) and I have agreed to mutually refund the item ; however, Mercari is not working with us to support the refund because they claim the contact wasn't made within 72 hours, which isn't true, and I can support that with screenshots and documentation between the seller and myself. The problem arises due to the seller only receiving about {$620.00} out of the total {$790.00}, so Mercari has taken taxes, shipping, processing fees, etc. and is holding those funds hostage when both myself as the buyer and XXXX as the seller have agreed to go forward with a refund. I have other resources engaged, but Mercari is trying to suppress chargebacks and refunds for legitimate situations, and enough is enough. I will help provide any resources I can, but what Mercari is doing, in my opinion, is completely ethically bankrupt, and they need to be held accountable. Additionally, Mercari 's policies do not align with consumer protections for legitimate situations, includiing chargebacks. For example, their policy is in direct conflict with XXXXXXXX XXXX policies, or the chargeback policy of pretty much any bank or financial institution. Since their support is so unwilling to help in dire situations, I had no other choice but to raise a complaint outside in hopes to correct the matter. Mercari also has a history of wanting to offer credits that expire in 90 days in lieu of actually refunding the money itself, and that also is very alarming, and something I would also like to bring to light with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I keep writing to bring to their attention a serious matter related to my consumer rights, which, I believe, their company has breached. The particular rights in question pertain to the validation and reporting of that debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. However, their organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, I have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2024-02-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 2024-02-13 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : ; XXXXXXXX XXXX  XXXX XXXX Balance XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$210.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX ; 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 2024-02-13 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: GA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ; XXXX XXXX  XXXX XXXX Balance XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$580.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : ; XXXX XXXX XXXX Balance XXXX XXXX {$210.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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 have been contacting Experian about some accounts on my credit report that do not belong to me. I was told by XXXX that my confidential information was leaked during their data breach and that the accounts were a result of identity theft. I have sent Experian my letters with an FTC report documenting the data breach and fraudulent accounts and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that the accounts are not mine because i did not receive any goods or services from those creditors and the creation of these accounts was not authorized by me. Experian is the type of corporation that is making money off of minority groups like myself by continuing to report inaccurate information. These inaccurate accounts are detrimental to my credit health and make my finances take a toll for me and my family. Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and Experian is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. IF THIS INACCURATE REPORTING IS NOT FIXED I WILL NO OTHER CHOICE THAN TO PURSUE LEGAL ACTION AGAINST EXPERIAN! I beg you to please remove these inaccurate accounts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX Venmo sent email they suspended my account XXXX  I submitted photo of my ID they deactivated my account no problem used it for almost a week XXXX XXXX another email they froze/suspended my acc same exact email as the XXXX I submitted another ID photo they did nothing XXXX   I waited 6 days for them to finally reply saying they cant tell me they said my account will be deactivated next Friday the ( XXXX ) XXXX  I get email saying my account will be permanently be suspended and that my funds will be held for 180 days and that they will not respond to any future emails I have {$100.00} frozen in Venmo that they will not let me access or get saying I might not even get my funds, Im really aggervated due to I submitted ID again when the email was a exact copy and paste as same email from the XXXX Ive asked multiple times and they wont even give me a valid actually any reason to why my acc is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MI

Complaint narrative:
Inaccurate payment information on several revolving accounts. XXXX, XXXX, & Experian

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union took {$600.00} from my account for an alleged credit card debit they have not validated as accurate. The XXXX XXXX is the security that is collateral for Navy Federal Credit Union. The security has equity from the trading and I am entitled to equitable relief since the financial asset belongs to me. I request Navy Federal Credit Union uses the equity that my security has made to settle any allege debt and refund any overpayments as the profits rightfully belong to me. The Federal Reserve Act strictly prohibits banks from loaning its own assets and since this is so they are insured under FDIC and NCUA which insures Navy Federal Credit Union so they risked no loss at all so illegal seizing money from my account is theft of funds. Navy Federal Credit Union has taken over {$2000.00} in illegal withholdings from my account. Not only are they engaging in security fraud they are also taking money from their customers without a valid court order which is a judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation