vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the XXXX XXXX XXXX. 

XXXX Account # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

The disputer letters were sent on XX/XX/2024 and nothing was removed and no follow-up letters were sent to me as well XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX XX/XX/2024 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

The disputer letters were sent on XX/XX/2024 and nothing was removed and no follow-up letters were sent to me as well XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX XX/XX/2024 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2024-02-19 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MA

Complaint narrative:
I have received multiple letters and a voicemail from a firm purporting to be Weltman , Weinberg , & Reis Co., LPA - the letters state that they have been retained by XXXX XXXX XXXX to collect on past due obligations. To my knowledge, I have never had any contractual or financial relationship with XXXX XXXX XXXX. Thus, it appears that an individual or a firm, under the cover of Weltman , Weinberg , & Reis Co, LPA, is attempting to defraud consumers by attempting to collect on frivolous accounts and misrepresentations. 

I have shared the attached materials with the Attorneys General offices in Ohio and Massachusetts and with XXXX. I am bringing this to your attention as well as my assumption is that many other consumers are also impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My Venmo account got suspended this weekend due to some unusual activity. I don't know the reason, but I have a balance of {$720.00} that I need for groceries, and now it's frozen. Venmo won't let me release the funds to my bank account. I'm desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX  XX/XX/23, has violated my rights. 

XXXX  XX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. 

5 U.S.C 1681 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 make 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX and Experian is reporting an account on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened in 2003 account is still reporting although it's paid in full. But they are reporting my credit age as 4 years or so. XXXX XXXX is reporting 1 year of credit age I'm XXXX years old trying to repair my finances and credit age is a percentage of my total score.

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 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: UT

Complaint narrative:
On XX/XX/2024, I logged out of my app to refresh it. I have been blocked since that day. I've contacted crypto.com numerous times via phone messages, emails, and XXXX XXXX  tells me it's a priority, yet refuses to provide any updates or hope of having my account and funds returned. Called law enforcement. XXXX called around the XXXX and had me email over my ID, selfie. Then they emailed a day or so ago and asked for last four digits of phone number, and last four of ID used to open account. I provided everything, explaining that they already had the information. No response, account still locked. Please note, your system doesn't take email files over XXXX. I have additional emails with docs/selfies/info they demanded, and can send them elsewhere if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX I recently checked my credit report and noticed inaccurate account reporting. Below named company.

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 2024-02-19 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: TX

Complaint narrative:
I disputed an item on my credit report with XXXX and they have not furnished proper documentation that the alleged debt belongs to me ; they have not properly identified legal ownership of the alleged debt ; they have not provided information that they are allowed to conduct business in the state of my residence which is Texas and they are unlawfully reporting incorrect information to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX. ) Purchased sofa from XXXX using the XXXXChase Credit Card XXXX Date of Purchase : XX/XX/XXXX XXXX. ) On XX/XX/XXXX the sofa arrived damaged. The delivery driver took pictures and sent them to his company. We never took possession of the sofa we informed XXXX about the damage and provided proof of damage. We stored the damaged item until XX/XX/XXXX. 
XXXX. ) Date : XX/XX/XXXX XXXX issued a Return Authorization Number XXXX  XXXX XXXX. ) Date : XX/XX/XXXX XXXX  contracted company ( XXXX ) picked up the damaged sofa. 
XXXX. ) See proof of the pickup. 
XXXX. ) See proof of delivery on XX/XX/XXXX to XXXX warehouse. 
XXXX. ) Despite several attempts to request the refund from XXXX, XXXX has not issued the refund. 
XXXX. ) Date : XX/XX/XXXX we opened a dispute with XXXX and they refunded the {$880.00}. But the credit card statement reflected a charge. 
XXXX. ) I paid the all charges on the Chase card in full on XX/XX/XXXX. 
XXXX. ) On XX/XX/XXXX, I called Chase to ask for the refund and they connected me with XXXX. XXXX said they issued the refund and sent me an email stating that the refund was issued but to date the refund still has not been issued. 
XXXX. ) Date : XX/XX/XXXX Chase subsequently reversed the charges.

12. ) To date we are currently paying {$40.00} monthly to Chase for a wrongful charge of {$880.00} at a rate of XXXX percent interest. Despite all the evidence we have provided that the sofa was damaged, we never took possession of it and we returned it to XXXX, Chase Bank has continued to financially abuse us and ignore our requests for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
My complaint filed with the CFPB : XXXX was based on the company 's response, XXXX XXXX  XXXX Today, I was contacted by Avant for a past due balance. In addition, XXXX, XXXX XXXX and XXXX have reported a negative credit rating from Avant. As stated in my complaint with CFPB, there was fraud committed off my checking account by the representatives of Avant following me making a payment toward my credit card on XX/XX/2023. I provided copies of the transaction and amount taken from my checking account to the XXXX  of Illinois, CFPB, the Attorney General 's offices of both the State of Illinois and Texas ( I am a resident of Texas ) and XXXX XXXX XXXX XXXX in Illinois. My Bank, XXXX XXXX filed a fraud claim against XXXX XXXX and XXXX date they have not responded. 
I would like my previous complaint and this complaint to be investigated by both The Federal Trade Commission and the CFPB due to the previous legal action that The Federal Trade Commission took against Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Collection/Charge Off by Jefferson Capital System on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to dispute a collection/charge off reported by Jefferson Capital System on my XXXX credit report. The account in question, dated XX/XX/2024, in the amount of {$560.00}, has been handled in a manner that I believe violates several consumer protection laws and regulations. 

The specific issues with Jefferson Capital Systems actions are as follows : XXXX. XXXXViolation of 12 CFR 1006.34 ( b ) ( 5 ) XXXX : Jefferson Capital System has not provided any validation information for the alleged debt, yet they have reported a collection on my credit report. 

XXXX. XXXXViolation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX : I have not been given an opportunity to dispute the debt, which is a fundamental right under the Fair Debt Collection Practices Act ( FDCPA ). 

3XXXX XXXXUse of Misleading, Misrepresentative, and Deceptive MeansXXXX XXXX The agencys collection practices include misleading, misrepresentative, and deceptive methods, potentially violating consumer protection laws. 

XXXX. **Violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ) XXXX : The agency has furnished information to consumer reporting agencies without providing the disclosures required by law. 

In light of these concerns, I am making the following declarations and requests : - I am disputing owing any and all debts to Jefferson Capital System.

- I am revoking all rights of Jefferson Capital System to communicate with me through email, text messages, or phone calls.

- I am requesting debt validation as per my rights under the FDCPA.

- I am requesting a copy of the purchase agreement between Jefferson Capital System and the original creditor.

- I am requesting proof that Jefferson Capital System is licensed and bonded as required by law for debt collection.

The impact of this erroneous reporting has adversely affected my credit score and financial standing. I urge the CFPB to investigate this matter promptly and ensure that my rights as a consumer are protected.

I have attached relevant documents supporting my claims. I seek the removal of this inaccurate collection/charge off entry from my credit report and assurance of compliance with all applicable consumer protection laws by Jefferson Capital System . 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 Date Opened : XX/XX/XXXX Balance : {$920.00}

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax and XXXX is reporting an account on my report from NY Department of Social services child support opened in XXXX  account is still reporting although it's paid in full. But they are reporting my credit age as 4 years or so. XXXX XXXX is reporting 1 year of credit age I'm XXXX XXXX XXXX trying to repair my finances and credit age is a percentage of my total score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had several illnesses and I ended up in the hospital after XXXX twice. During such times I was not home and information was issued without my authorization such as credit cards and other items. This particular credit card is one of them, a XXXX amount XXXX I have tried in multiple occasions inform Rusergent or LVNV Funding to please understand of the identity theft situation but they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-19 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
As a federally protected consumer according to the laws of the United States. I am writing to you in response of your XXXX 's willfulness of not complying to the law. I am now opting out any and all consent or authorization I the consumer given to your company written unwritten verbal, and non verbal past or presence and continuously. 15 USC 6801 states that it is a policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its consumer and to protect the security and confidentiality of the consumers.

The use and the sale of my personal information is against public policy. According to 15 USC 6802 I as the consumer have the right to opt out of reporting any and all personal information reported. Your company directly impacts this process by furnishing information without complying with the FCRA not have permissible purpose according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Your company hasn't yet fully complied with the FCRA and has acted negligent. XXXX has not modified their reporting to be fully in compliance with the FCRA which would be all inquires and accounts deleted.

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