vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX furnish my information to a third party without my consent i have request real ink of my signature on any form that allows them to share my information there in violation of my rights. Because a consumer has a right to privacy 15 U.S. Code 1681 ( a ) ( 4 ) and to preserve that privacy consumers the right to Opt Out of third-party sharing, therefore preventing financial institutions from sharing account information and history to consumer reporting agencies 15 U.S. Code 6802 ( a ) ( b ). You're absolutely right, I should provide a case specifically involving liability for reporting information prohibited under FCRA 1681a. One relevant case is : Farren v. RJM Acquisition Funding, LLC, 2005 WL 1799413 ( E.D. Pa. July 26, 2005 ) - The plaintiffs alleged that defendants violated FCRA 1681a ( d ) ( 2 ) ( A ) ( i ) by furnishing inaccurate and impermissible information. - The Court denied the defendants motion to dismiss, finding : Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. - So this case demonstrates that furnishing inaccurate or impermissible information prohibited by 1681a ( d ) ( 2 ) ( A ) ( i ) can provide grounds for liability under the FCRA. Please let me know if this helps provide a relevant case example per your request! I apologize for not citing this applicable precedent initially. The Eastern District of Pennsylvania federal court denied XXXX 's motion to dismiss the claim alleging XXXX violated FCRA 1681a by furnishing prohibited information to credit reporting agencies. In denying the motion to dismiss, the Eastern District of Pennsylvania federal court ruled : " Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. By rejecting the motion to dismiss, the Eastern District of Pennsylvania federal court allowed the 1681a claim to proceed against XXXX based on the alleged reporting of prohibited information, even if factually accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have been using PayPal XXXX XXXX card for over 20 years with my bank account as a funding source. PayPal has decided as of XX/XX/2023 to discontinue your bank account as a back up source and is requesting the consumer to deposit money in your PayPal balance to use the card. This is forcing the consumer to add funds to PayPal so they can collect interest on your money which is a great inconvenience to us consumers and proves the greed that exists at PayPal. I do not trust PayPal with my money and therefore using a bank as a back up is more safe for the consumer. PayPal clearly does not care about their customers and only wants your money to benefit them. I want to file a complaint against them and have them investigated for bad business practices. Forcing customers to add funds to their PayPal account to be able to use this card should not be allowed. The card also offered cash back which PayPal is not disclosing will end due to this change. We entered into this cash back program in good faith and PayPal is ending the program without any disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-05 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: PENTAGON FEDERAL CREDIT UNION
State: CA

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. 

Has Violated my rights 1. PENTAGON FEDERAL /Account number # XXXX 2. PENTAGON FEDERAL/Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-09-05 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: CA

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. Has Violated my rights. 


1.XXXX XXXX/ Account Number # XXXX 2.XXXX XXXX XXXX  /Account Number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a Bill In The Mail with no number that says a XXXX charge was left unpaid for a Citibank card I do not own. I was advised that since Citibank didn't have a card in my name to ignore it unless I get sent another one. Well the credit reports ' last week said due to a XXXX fee for Citi Bank my Credit Score went down significantly. I was a victim of fraud and I want this XXXX Credit card fee off my records.

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 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
ON OR ABOUT THE DATE OF XXXX XXXX XXXX XXXX WHO REPRESENTS WORLD FINANCE CONTACTED MY EMPLOYER AND RELATIVE AND DISCLOSED MY PERSONAL INFORMATION WITH BOTH PARTIES STATING SHE WAS CALLING FROM WORLD FINANCE AND I HAD A PERSONAL LOAN WITH THEM AND SHE NEEDS TO SPEAK WITH ME. WHEN THE LINE WAS TRANSFERRED TO MY DESK I STATED, 'THIS IS XXXX XXXX XXXX XXXX THEN STATED, 'OH THAT MUST BE YOUR OTHER NAME '' I THEN HELD THE PHONE BECAUSE I CAN NOT TAKE PERSONAL CALLS AT WORK AND COULDNT TALK BECAUSE MY COWORKERS DESK IS LESS THAN TWO FEET AWAY FROM MINE. AND SHE THEN PROCEEDED TO SAY " HELLO, HELLO, OH DONT WORRY I'LL KEEP CALLING ''. I THEN HUNG UP THE PHONE AND LATER CALLED XXXX XXXX AND STATED HOW UNPROFESSIONAL SHE HANDLED THE SITUATION AND WHY DID SHE DISCLOSE NOT ONLY TO MY SISTER BUT MY EMPLOYER MY PERSONAL BUSINESS AND HER RESPONSE WAS " WELL SHE ASKED ". SHE DIDNT KNOW MY SISTER WAS ON BREAK WITH ME AND MY SISTER STATED EXACTLY WHAT SHE TOLD HER WHEN SHE CALLED AND XXXX THEN WENT SILENT ON THE CALL. I THEN FILED A COMPLAINT WITH THE CORPORATE OFFICE AND THEY STATED THEY WOULD GIVE ME CALL BUT I HAVE YET TO HEAR ANYTHING FROM THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am being told that I have made a loan during the time that I was not at home and my book bag and identification was stolen or lost between Florida and North Carolina my identification had my home address in XXXX XXXX on it I've asked for a copy of the contract with my signature and they provide a copy of a contract with no signature only my information furthermore I was notified by somebody that there was a filing of breach of contract by this company and then when I called the company they denied it the company is CashNetUSA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: FL

Complaint narrative:
i asked previously for some information to be removed as it was misinformation and on my credit report and not all of it was removed. 
XXXX has not done anything though i've provided all the information that was asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: FL

Complaint narrative:
i asked previously for some information to be removed as it was misinformation and on my credit report and not all of it was removed. 
XXXX has not done anything though i've provided all the information that was asked.

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 2023-09-05 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: PA

Complaint narrative:
I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).

Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment..

Account 1. XXXX XXXX XXXX ( Acct Opened XX/XX/XXXX ) Months showing Late XX/XX/XXXX, XX/XX/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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My personal id was stolen and used to get loans. I filed all the fraud paperwork and XXXX report and sent to the credit agencies. My disputes are not getting processed correctly and the information is not attached to the disputes. I am not getting copies of the verification process. 

These are the accounts : 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
We sent a certified letter dated XX/XX/2023 requesting that they cease and desist contacting us. We received a letter dated XX/XX/2023 from them alleging we claimed we were victims of fraud and requesting the documentation to prove it. We did not make such a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2023, I opened a new XXXX XXXX XXXX account at BMO Harris bank using their website directly which had advertised a signup bonus of {$300.00} after a direct deposit of {$4000.00} in 3 months. It's been over 3 months and I have received direct deposit of {$4000.00} in my bank account. But the bank says that my signup bonus was declined because I used the wrong promotional code while opening the checking account. However, I opened the bank account directly using the link from the bank promotional page where the promotional code was pre-applied so there is no chance of using the wrong promotional code with the type of checking account I opened. My sign up bonus was therefore declined as promised.

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 2023-09-05 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: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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:
I took out a credit builder loan and later realized it was not helping my credit so I payed it off. However they reported a payment 30 days late although Ive never been late.

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 2023-09-05 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:
I took out a credit builder loan and later realized it was not helping my credit so I payed it off. However they reported a payment 30 days late although Ive never been late.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
This account was originally established in XXXX. There were several times that as I have been XXXX  XXXX, and XXXX, that I have had to use the credit protection plan. 
Since I was XXXX in XX/XX/XXXX, and then placed in an XXXX XXXX XXXX, then after XXXXXXXX XXXX XXXX XXXX and required XXXX XXXX XXXX I began to try communicating with the credit protection plan department ; XX/XX/XXXX to XX/XX/XXXX, about having payments made for the monthly charges that began to be delinquent. I was advised by the manager of the credit protection plan to send ALL the necessary information concerning my date of 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 I sent everything that was requested, and had further issues with the same manager of the credit protection plan department manager. After some research, I then tried to reach out to Celtic Bank in XXXX XXXX XXXX, Utah in XX/XX/XXXX, because my account is somehow linked to my credit card bill, and discovered that the credit protection plan was discontinued because I requested that it be removed. I have never made that kind of request. I have been unable to resolve my problem.

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