vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: OH

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-02-08 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: OH

Complaint narrative:
On XX/XX/XXXX I filed a dispute with XXXX, XXXX, Transunion regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely

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 2024-02-08 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: OH

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: OH

Complaint narrative:
On XX/XX/XXXX I filed a dispute with XXXX, Experian, XXXX regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was reviewing my credit profile and saw there was inquires that are not mine on there

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened the account back on XX/XX/XXXX. I receive eight months zero APR my account is on auto pay, and I requested to receive a paper statement every month. 
first they fail to write every month on the statement for how long I have the zero APR second I told supervisor that I did not receive a paper statement for XXXX, XX/XX/XXXX and XX/XX/XXXX Had I receive the paper statement I have the opportunity to review and learn about my interest ending in the statement capital one fails to disclose on the statement for how long i have my zero APR, and also did not give me an opportunity to pay the balance in full before interest occurred I just wanted to mention that account is paid now in full and I owe them XXXX balance i want refund for the interest for XX/XX/XXXX {$100.00} and XX/XX/XXXX {$100.00} i attached a copy of my statement XX/XX/XXXX you can read and see is no interest disclosure

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address a serious issue regarding inaccurate information on my credit report. If corrective actions are not taken within 10 days, I will file a complaint with the FTC against your company XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called XXXX XXXX XXXX. I have the full report Ill be uploading. 

The law is clearly doesnt matter to the these institutions. 

Privacy Act of 1974 5 U.S. Code 552a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I notified Citiback of a disputed charge in connection with a gift card purchase that I used at XXXX. The gift card was issued by Citibank Shop your Way Master Card. Each month since XXXX, I have have had to call Citibank Master Card to address the {$17.00} under dispute. I was told on XX/XX/XXXX when I called Citibank that the late fees of {$2.00} which were charged on the disputed amount was waived along with the disputed amount of {$17.00} was waived. Citibank also charged another {$19.00} in duplicate and this was also waived. The case was taken by XXXX in Customer Service and all of this was recorded in case iD # XXXX. Since this time, I received collection phone calls from Citibank on XXXX/XXXX/XXXX at XXXX and on XXXX at XXXX regarding a past due amount of {$17.00}. I have made Citibank aware that again Federal Credit Law for disputed amounts to be placed under collection, but the Collections Department seems to be unaware. I have tried diligently to resolve this matter, but I refuse to be held responsible for being charged for a purchase that was paid for using my digital gift card that was issued by Shop your Way Gift card. Since XX/XX/XXXX, I have received no word from Citibank regarding the results of the investigation. -- the only action that they have taken is to send the account to Collections to appears.

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I saw my account was XXXX cents today. 
I called and asked why I was told it was for paper statements that I never opted in to or received ( I always received e-statements ). 
They said this was changed on XX/XX/XXXX but wouldn't tell me how or why Bank refused to refund the XXXX after I showed them I NEVER got paper statements before. I want the XXXX fee refunded and any additional fees this will cause to be refunded. 

You changed my statement delivery without permission

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
OnXX/XX/24 I went to Toyota of XXXX with the intend of buying a new car, where I agreed to have my credit score checked. The salesperson made multiple offers to persuade me to get the car and one of them was to open a credit card to help with the down payment. The car I was looking into had a down payment of {$4500.00} and I said I had {$1500.00} in cash. Thus, the sales person said I could be approved for up to {$3000.00} if I took the credit card and I would have 0 % APR for 6 months. Still, I declined and never signed anything or said I would come back. Then today XX/XX/24 I received a letter in the mail with my new credit card attached. I did not sign any documents nor agreed to open a credit card under my name. I need to know if my signature was falsified or how does this work for them to open it without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called early warning services. I have the full report Ill be uploading. 

The law is clearly doesnt matter to the these institutions. 

Privacy Act of 1974 5 U.S. Code 552a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: PNC Bank N.A.
State: OH

Complaint narrative:
Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called early warning services. I have the full report Ill be uploading.

The law is clearly doesnt matter to the these institutions.

Privacy Act of 1974 5 U.S. Code 552a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
We ( XXXX XXXX & XXXX XXXX ) are frequently receiving email and text messages from COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX, XXXX XXXX that we have some past due balance {$210.00} and the original creditor is XXXX XXXX XXXX XXXX  which is placed for collection on XX/XX/XXXX latest. 
# XXXX. We have been in XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over XXXX years as a tenant from XXXX XXXX XXXX When we formally left we paid all of our dues except 2 months of water bill that was pending. We didn't receive any breakdown of exactly what is this bill for. And it is quite impossible that 2 months water bill {$210.00}!!!! 
The water bill should not be more than {$120.00} or {$140.00} for 2 months for XXXX one-bedroom apartment and XXXX numbers of households. 
# XXXX. However, we deposited a Security Deposit of {$300.00} in XX/XX/XXXX before leasing our apartment at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and any security deposit is refundable. 
The XXXX XXXX should be calculated from the Existing XXXX. We called to XXXX XXXX XXXX office, and they referred us to XXXX, and finally, XXXX referred us to GENESIS. We didn't get any satisfactory answer about my utility bill not even about the security deposit from any of them. Nobody knows what the XXXX bill is for or about security deposit. 
Though we spoke with XXXX XXXX ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX XXXX XXXX ) yesterday regarding the above-mentioned issues to figure out. But very unfortunately he emailed again the same email with the same amount due without figuring out the any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial show 2 late payments in XXXX and XXXX of XXXX  and I communicated with them about the payments. They told me I didnt have to worry about the late ding on my credit report. I have since sold that vehicle, and can not continue the communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
In XX/XX/2023, I received a summons from debt collector Tenaglia & Hunt via a neighbor, alleging a debt of {$17000.00}. The summons threatened wage garnishment, property seizure, and credit damage if I fail to appear in court. This raises concerns about privacy violations and potential violations of Consumer Financial Protection Bureau ( CFPB ) regulations, which prohibit deceptive debt collection practices and false threats.

Company response to consumer: Closed with explanation