vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing.

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, Equifax, and XXXX are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out.

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information. I demand

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: NV

Complaint narrative:
It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing.

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, XXXX, and Experian are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out.

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information. I demand

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: IL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I have reviewed a copy of my consumer report and observed that both the consumer reporting agency and the alleged " creditor '' have provided my information without obtaining my proper consent. It is evident, as per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, that they must either possess my written consent or have legal authority from a court to share my information on my behalf. I want to make it unequivocally clear that I do not consent to the sharing of any of my information by these entities. 
In accordance with the FDCPA, I am issuing a cease and desist order to halt all illegal activities related to my information. This includes ceasing all forms of communication, such as phone calls and emails, and the dissemination of my data to any third parties without my explicit consent.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Request for XXXX XXXX and all data filed with every credit reporting agency. 
I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.

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 2023-09-28 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: GA

Complaint narrative:
EXPERIAN sent me an email stating : ( We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is INACCURATE, INCOMPLETE or CAN NOT BE VERIFIED, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results ) I have attached a copy of inaccurate and incomplete reports for the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. You have already investigated and there are still incomplete entries on these accounts therefore they must be deleted immediately.

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 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened an AA Citi Advantage Credit Card to gain the promotional value for a flight I was booking that day. I was told I would receive a temporary card number so that I could use my card immediately. I never received the temporary number via email and I didnt see it on my screen when it supposedly displays. When I called and spoke to 10 different people who bounced me around from Citi dept to dept, I was it would be emailed within 24 hours. I never received it, so I called again the next morning and spoke with a supervisor who said those people were incorrect and that I just had to wait for the credit card to arrive. I said it is false advertising if you are telling people they can use the card immediately to book the flight but cant. I said now I just have a credit card opened and can not book my flight or use the promotional advertised rate. I was hung up then by that supervisor who said he could only close the account for me, without even trying to resolve my problem. I asked for one of 3 solutions : to generate and resend the temporary card number, give me the actual credit card account number as the account has been created, or credit me in the amount that the flight will surely go up with another 10 days as it is a XXXX flight in the amount of {$200.00}. The supervisor told me they could do nothing to remedy my problem but close the account after I provided MY personal information, like SS #. I said you have my personal information, I am giving it to you, so I would like the account number and I was just hung up on.

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 2023-09-28 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: MI

Complaint narrative:
I do not have any contract with this company and they are alleging I have a debt with them and have violated my laws attempting to collect this illegal debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per XXXX XXXXXXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Re : All my Chase Credit Card accountsRequest for XXXX XXXX and all data filed with every credit reporting agency. 
I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
AES sold my private student loan to another company XXXX XXXX  without telling me. Then this guy throws it in my face about a purchase for a vehicle and I should be able to pay for the 40 % increase in funds needed to satisfy my loan. I never knew he made the inquiry nor the increase in monthly until I paid my old amount and that was not enough and considered a late payment with fees on top of the already increased monthly total. I paid this loan for 3 years and had paid more than 20 % ahead of time and then AES sells it to another company who increases everything. This was plain and simple extortion. It was completely hidden from me and then this man was threatening me via text and on the phone describing my purchases. I make a purchase that is my buisness and obviously I was able to make it. You should not be able to base my loan amounts monthly payments on what purchases I make. They are doing reverse income payment on me. I made all my payments for 3+ years and paid down almost 10 years on the loan so AES sold my loan to a shady company that more than doubled my loan by increasing interest more than 10 % and my monthly amount by 35 %. NEVER DO BUISNESS WITH AES there are other ways.. They are an extortion company with illegal practices.

Company response to consumer: Closed with explanation