vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: WA

Complaint narrative:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately. 

Equifax data furnisher is XXXX XXXX. XXXX XXXX sent a letter stating that there is NO verifiable Bankruptcy on it's data file and removed. They also initiated several disputes trying to communicate to Equifax, yet Equifax failed to respond to any of them their dispute request. The letter clearly states as such and it indicates that Equifax is literally ignoring the information forwarded by it's only data furnisher. Equifax uses NO other data furnisher, and it clearly states that on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: OH

Complaint narrative:
Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that this limitation has been imposed in error, and I would like to formally appeal this decision. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines diligently. I am confident that I have not engaged in any activities that would warrant such a severe action as a permanent account limitation. I have been a loyal PayPal user for a substantial period, and my intention has always been to use the platform responsibly and within the bounds of your policies. 

I kindly request that PayPal conduct a thorough re-investigation of my case to rectify any misunderstandings or errors that may have led to this account limitation. I believe that upon further review, it will become evident that my account deserves to be restored. 

I understand that PayPal takes matters of security and compliance seriously, and I appreciate your commitment to maintaining a safe and secure platform for all users. However, I firmly believe that there has been a misunderstanding in my case, and I am eager to cooperate fully in order to resolve this matter. 

I kindly ask for your prompt attention to this appeal and the reinstatement of my PayPal account. I am confident that a re-evaluation of my account activity will confirm that I am a responsible and compliant user of your platform. 

Thank you for your consideration, and I look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MI

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. 

XXXX XXXX XXXX XXXX : DOCK NUMBER # 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: Westlake Services, LLC
State: GA

Complaint narrative:
FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. 

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX : received American Express ( " Amex '' ) {$200.00} virtual " eGift '' card in my email as a XXXX present from my parents. Upon receipt, activated and checked the balance online. Balance showed as {$200.00}. 

XX/XX/XXXX : tried to use the card at XXXX XXXX in XXXX, CA. Card was declined. Server came to our table to tell me about this. Felt embarrassed and dejected. 

XX/XX/XXXX : added the card successfully to XXXX XXXX on my phone. Tried to use the card to buy XXXX. Card was declined. Felt incredibly frustrated. 

XX/XX/XXXX : read about other users finding similar problems with the Amex gift card on XXXX and other sites. Read that some users had luck buying other gift cards for the same amount and then using those for purchases. Tried to use the Amex gift card at XXXX to buy an equivalent value gift card. Card was declined. 

XX/XX/XXXX : re-added the card to XXXX XXXX ( after removing previously ) and attempted to purchase an XXXX XXXX gift card. Card was declined. 

XX/XX/XXXX : called the Amex customer service number indicated on the gift card balance page. The balance page only shows a {$0.00} charge on the card from XXXX for a " pending transaction '' which as indicated above never went through. So it shows a {$190.00} balance remaining. The Amex customer service line offers options ( 1 ) for activating the card or checking a balance, ( 2 ) for declined transactions, and ( 3 ) frequently asked questions. There is no way to speak to a person about the problems I've had, or even to solve any problems specific to this card with an automated agent. I listened to all the recorded messages and tried calling back to see if pressing XXXX to get an agent would work or if there was any way to resolve the issue I was having. There was no way. I tried searching on XXXX for help from Amex in dealing with this issue- there was no other option. 

I'm separately an Amex credit card customer and am now considering canceling my relationship with the company as this is such a disappointing and frustrating experience. From research of other people having this issue online, it appears I'm far from alone in feeling duped and taken advantage of by American Express due to their XXXX card practices. 

I am eager to resolve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
In XX/XX/XXXX, I received court documentation on a XXXX loan with XXXX XXXX XXXX loan from Forster and Garbus a debt collection company in XXXX XXXX, New York. In XXXX, we began receiving threatening phone calls from XXXX XXXX XXXX in regards to these loans stating court action would commence if not paid. In XXXX, the excessive phone calls started again stating that legal action would be taken if we again didnt pay on a set schedule. We were told that the only way to avoid legal action against us and court intervention etc. etc., would be to sign an agreement to pay on a set schedule on these loans. In XX/XX/XXXX, we again received notices to sue. What aroused suspicion was that court documents were altered, dates were hand written in. Contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX to validate notice and was informed that index numbers were expired and there was no county clerk name or signature on that court document. I contacted Forster and Garbus to request all documentation associated with this matter, and was bounced around between them and XXXX XXXX who claimed to have no record of me. I requested documentation again from XXXX & XXXX and was told They do not do that, and was again told to pay to avoid legal action against me. I Researched and realized that they and XXXX XXXX are already embroiled in a legal matter in which they are, as they are doing to me, threatening people to legally collect on debts that originally exceeded the statute of limitations, using bully tactics to sign agreements and sending false court documents that were altered with expired index numbers threatening legal action on an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company have violated my federally protected consumer rights. They have violated my privacy. I have went ahead and filed a complaint with the Department of State with New York State. 

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 1681 section 602 A. States I have the right to privacy U. S. Code 1666b states that a consumer reporting agency should not treat any payment under a credit account as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company have violated my federally protected consumer rights. They have violated my privacy. I have went ahead and filed a complaint with the Department of State with New York State.

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 1681 section 602 A. States I have the right to privacy U. S. Code 1666b states that a consumer reporting agency should not treat any payment under a credit account as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: LA

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. 
XX/XX/5178XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: Experian Information Solutions Inc.
State: LA

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. 
XX/XX/5178 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I had been trying to dispute my debt with MERCHANTS CREDIT GUIDE on behave of ILLINOIS EMERGENCY MEDICAL S. I provided them with my insurance information since I legally had insurance at the time of this emergency visit. I explained I provided this information as well upon this emergency room visit. I should not be reponsible for someones mistake. I legally had insurance at that time and it has been provided many times as well as I have been trying to dispute this for past year without getting and positive results. There is never a formal explanation to me on what has happened as well. I cant be obligated to have my credit ruined as well as being forced to paid for something that I shouldnt be since I had insurance at that time. Never did i recive any bill stating that I am responsible for any amount due in this dospute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
I have requested Debt Validation on multiple occasions after receiving a case filing against me in XXXX. To date, I have not received full documentation and the debt has not been validated. Specifically, I have not received files prior toXX/XX/XXXX to account for over {$11000.00} in Brock and Scott/XXXX XXXX collection efforts. Their collection efforts have continued through credit reporting and by mail, however they have not validated the debt after repeated attempts over the last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM Financial sent me an offer email on XXXX after I sent them a Cease and desist letter previously. Also on my credit reports they stated that I owed {$15000.00} then {$12000.00}, then {$900.00} and now its {$4000.00}. They have been stating inaccurate information on my credit reports for months. This is unacceptable. I would like this account removed immediately from all credit bureaus. I also requested these documents and none have been sent to me. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL

Company response to consumer: Closed with explanation