vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: AL

Complaint narrative:
I noticed unauthorized inquiries on my credit report and fraudulent accts that I do not recognize. I believe someone has my personal information and is posing as me to obtain credit 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. 

Hard Inquiries XXXX XXXX XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX 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. 

You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX  ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 XXXXXX/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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/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 2025-01-04 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: VA

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX CA - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX 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 explanation
Consumer complaint received 2025-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called the credit reports, and I was asked to fill this out in order to remove hard inquire

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find the attached copy of my ID, The FTC Complaint, a copy of my NPD Report showing my information exposed in a national data breach and a Validation of Debt Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year> I opened a Venmo account in order to accept payment from a customer. 

My account was immediately locked afterwards and I have not had acsess to the funds sent. 

Venmo has told me I must send a picture of my ID and wait at least 3 buisness days before a specialist can review this matter. 

I know from reading other users experiences this can take 180 days or even years. 

I believe my account was frozen for no reason because there is no activity besides one payment received. I think Venmo is a scam and they purposefull steal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have XXXX checking accounts and have been charged a total of {$720.00} from the year of XXXX for non-sufficient funds. After Had the same problem in XX/XX/XXXX even though NFCU was supposed to stop charging NSF fees effective XXXX. I called and it was reversed. NFCU is still practicing unfair charges and fees. The NSF fees show as a debit transaction online ; however the email says returned check. If funds are unavailable it should be declined as if Im using a debit card for a purchase. Navy Federal advertisements for a fresh start with a fresh start checking account for people with bad credit is misleading. I filed a XXXX XXXX XXXX which was XXXX in XXXX. What they dont tell you is you will be banned from credit products from NFCU forever ( unless you pay them back every penny ). No matter how long ago. They will also flag you in the system everytime you login from the mobile app or desktop browser. The notice/warning is very upfront and in your face. It is there for auto denial and will not be removed. With that being said they should tell those who are blacklisted and remove the option to apply for those with the flag so that we do not apply for credit and loans to prevent hard inquiries on our credit report. So they do not give second chances. One of the options to avoid NSF fees says to apply for overdraft protection ( OOPS ) which also states it does not do a credit check for approval. That is also false as I was denied. It should state clearly that those members who are flagged do not qualify for overdraft protection. In my situation, once that XXXX XXXX XXXX was XXXX in XXXX the debt owed to Navy Federal is considered paid off, meaning they can no longer collect on it so how can I pay them back? Its discriminatory and unfair as we deserve a second chances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
All medical company 's and credit reports still show medical when I have tried it in. They won't take it off my reports all medical is taken care of by government. What's the problem with this picture just keeping a girl down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company is reporting a account that I dont have and have can you open a account with a debt collector account they is reporting a false account and I want them off my credit report now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
It was directly sent to the Credit Bureaus even before notifying the Consumer and without providing any proof of debt validation. On top of all that, this debt is being re-reported with false information. There was absolutely no account opened on XX/XX/year> as per the Collection Company details.

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 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I received 2 back to back email and text notifications from Wells Fargo bank saying that my debit card was used for a purchase online, by phone, or mail. The first one was for {$730.00} from XXXX and then right after that I get the second email from Wells Fargo bank saying that my card was used again for {$88.00} from XXXX XXXX. I immediately called my bank to file a claim for fraudulent charges. This was my cash that was taken because my debit card was used. The gave me my Mo yea back while they conducted an investigation. I received a letter from the bank about XXXX XXXX months later saying the investigation was complete and they found that the charges were valid. I never made those charges. I was at work at the time and had my debit card i. My wallet were I always keep it. There reason was something about the IP address used to make the purchases. I am not sure how they can determine that. They took the {$820.00} from my bank and have not sent me proof. I have never bought tickets from XXXX because I never go to concerts. I am not sure what else to do. I had no knowledge of this transaction and did. It authorize it.

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 monetary relief
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX  Date of Inquiry XX/XX/year>

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 2025-01-04 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: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX  Balance : {$45000.00} XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
My problem is with the company Venmo. I deposited {$250.00} wih the intent to transfer some of that overseas. Venmo locked my account for suspicious activity around the end of XX/XX/year>. They provided no information what activity they found suspicious. Venmo insisted I provide valid identification. I have done so on 3 separate occasions, the earliest on XXXX XXXX, XXXX. They have yet to respond. My account remains suspended. There has been no response to my repeated requests for access to my funds. 
The person I have been in contact with presents himself as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime financial went behind my back and intercepted my XXXX data breach settlement from the XXXX XXXX breach in XXXX  before I was even a customer of chime financial that my information was leaked on not chime they tried to force me into letting them pay on a debt that I'm a victim of with their partner XXXX XXXX XXXX XXXX Oklahoma XXXXXXXX XXXX  would not even talk to to me and chime as usual don't speak at all they like to you and tell you they are going to figure out what is going on then either HANG up on you or they leave you on chat telling you they will return and they never ever come back I personally left my app open all night one night to prove it they ga to e hung up Mr so many times and claim they are to report it and have representative apprehended but I know that is a lie as well they change my account agreements on me daily and don't even tell me they change them when they get my rights thrown up in the mix and I make a legal stand point they change my account agreements into all capital letters and yesterday they close my account on me and they are trying still to force me into letting them keep that settlement in the XXXX XXXX  account for credit builder card they claim it for the funding of that card but I have no available credit and if they were going to use it for my credit builder account I would have credit on it I have a XXXX balance on that card and the money I had put up in my savings for my rent and my electric they say they credited it to my debt and after filing the first complaint on XXXX XXXX XXXX that reopened my accounts and I still didn't have my rent and electric money back they won't talk to me they are saying in need to set up direct deposit my direct deposit XXXX XXXX  changed I told them that they said when I get my my next deposit to transfer funds into my credit builder account to fund that account well if that still the way it works then why are they hiding my settlement money from me without my permission over a XXXX  I have disputed to them several times they do not talk to me and they are telling the people that stole my identity the last time they attached to my chime thru the XXXX XXXX deal it's part of there's app and they let them set up and account in California in my name attached to my I have tried to to stop this so many times I'm getting a lawyer after chime I'm done app in my account

Company response to consumer: Closed with explanation