vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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 have a XXXX XXXX  XXXX # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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 have a XXXX XXXX XXXX # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX foreclosed on and sold at auction a condo when the mortgagee died with no assets and as part of the probate process. 

They sold or transferred the account to Selene, which I've spoken to a couple times and told them this property was already foreclosed on and sold at Sheriff sale by XXXX XXXX. 

Selene continues to correspond with me wanting payment and with statements showing they are continuing to make escrow payments for insurance on a property/mortgage they never had a right to collect on. 

The last person I spoke to XXXX  months ago said she'd have to refer it to a supervisor to handle and he would take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, IS 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 consurer 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 the accounts listed IMMEDIATELY.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, IS 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 consurer 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 the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received several emails from XXXX XXXX XXXX XXXX. Thats a store that I am not used to visit. I did not open any emails until XX/XX/XXXX, when I noticed that one email said : Welcome and Thank you for joining, and then another email that provided a purchase confirmation number. when opened the email it showed my home address and my name, and the shipping to address in XXXX also with my name. I called right away to XXXX XXXX XXXX XXXX and they provided me with Comenity Capital Bank telephone number. I contacted them immediately. They told me that they were going to close the fraudulent credit card under my name due to identity theft and that they will be sending me a questionnaire in the mail, i have not received it as of yet XX/XX/XXXX. To my surprise all credit bureaus, XXXX, XXXX, and XXXX have received a hit with this new credit card under my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Wednesday, XX/XX/XXXX, I was contacted by an alleged Chase member, from the same phone number located on the back of my debit car. He asked me if I approved a wire transfer to XXXX for {$1200.00} and XXXX for XXXX I said no. He told me I had to complete XXXX " reversal '' wire transfers in order for these to remain in my account. The first wire transfer of {$1200.00} was taken out of my account, however the second transfer of XXXX was not because of insufficient funds. After a few days of the money not returning to my account I became suspicious and called Chase at the same number that I was contacted from, ( chase customer service ). I spoke with a representative from Chase and she was able to complete a recall for the first transfer. I told her I was concerned that the second transfer of {$1100.00} would come out of my account once I had sufficient funds so she transferred me to another representative to insure that this second wire transfer would not go through once sufficient funds were in my account. I spoke with the second representative to insure this so I expected the second transfer to not go through. On XXXX, XXXX, the first transfer of {$1200.00} was refunded to me and then the second transfer of {$1100.00} was taken out of my account. I contacted Chase again, but the representative was not able to do a recall for this second transfer and advised me to recall the transfer here. The recipient is XXXX. XXXX ID is XXXX for the amount of {$1100.00}. 

This is what happened and this is the same message that I sent to chase wire fruad department. After several weeks they reached back out to me explaining that they made multiple attempts to contact the recipient bank but never recieve XXXX reply or a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
I made a purchase on my credit card through Paypal. Exactly XXXX minutes after placing the order, I sent a request to the merchant requesting a cancelation after realizing the merchant is a fraudulent company located in XXXX. I have emails that are timestamped showing this. I also disputed the charge with Paypal and my credit card company. My credit card company, whom I also filed a complaint against, told me they denied the dispute because they needed proof the company cancelled the order. Since the company is a fraud, they of course did not cancel the order even after acknowledging that I had requested a cancellation. Their so called policy states an order can be cancelled up until the item ships. The item was shipped 10 days after I requested the cancellation and 7 days after they acknowledged I wanted it cancelled, so basically, they ignored my request in order to generate a bogus shipping label to send to the credit card company and paypal to show they sent something. I have yet to receive anything. Paypal is refusing to dispute the purchase and allowing this fraud website to continue using their platform and scamming people out of money. The merchant is XXXX XXXX  I, they ignored my request to cancel in order to generate a bogus shipping label, and if I ever receive the products, ( doubtful ) their return policy will be past the timeframe for a return and I would have to pay shipping costs to return it to XXXX, if I ever get a hold of anyone in order to send a return. There are plenty of negative reviews regarding this site, which I have attached with this complaint. I have also attached my FTC complaint, their bogus website policies, and all emails sent to this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. This was attached to my dispute letter. Accounts have been updated which means they was not correct to begin with.

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 2023-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have never given permission to furnish the information to Portfolio Recovery Associate. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX XXXX {$460.00} This company, XXXX XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' XXXX XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX XXXXXXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX  XXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX  XXXX STATEMENT SAYING THEY DO NOT HAVE A CHARGE OR NOR SIGNATURE FOR THIS DEBT

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX XXXX {$460.00} This company, XXXX XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' XXXX  XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX  XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX law dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX  XXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account.

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX  XXXX STATEMENT SAYING THEY DO NOT HAVE A CHARGE OR NOR SIGNATURE FOR THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct.

In accordance with the fair credit reporting act XXXX  accounts below listed has violated my rights. 

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 an account without my written instructions. 

Account name -XXXX account number-XXXX Account name - XXXX XXXX Account number XXXX Account name -XXXXt Account number-XXXX Account name XXXX XXXX XXXX Account number-XXXX Account name-XXXXXXXX Account number XXXX Account name-XXXX XXXX Account number XXXX Account name -XXXX Account number- XXXX Account name-XXXX Account number- XXXX Account name XXXX Account number- XXXX Account name- XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights.

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.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation