vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-20 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: TX

Complaint narrative:
Upon pulling my credit report I observed my full name, address and employer were reported incorrectly.

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 2024-01-20 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: TX

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. 

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 2024-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My ex wife and I were offered a consolidation loan for our Federal Student Loans shortly after we were married in approximately 1998. We have been divorced for 5 years I we are unable to separate our loan because when we consolidatednit was not explained to us that our loan was being purchased by a private loan company yet guaranteed by the Federal Government but no longer a Federal student loan. I am a XXXX  and should be afforded the privilege of loan forgiveness for my portion of loan but at the least allowed to separate the loan between my ex and I. I feel we are victims are predatory lending and were taken advantage of during a difficult time financially. And now to be saddled with a loan with my ex and it's responsibility in my new marriage is a strain on my marriage. So many opportunities are available to direct serviced loans and not me because I was purchased like a commodity which to me translated into modern day indentured servitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
To whom this may concern, my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof to XXXX that I was in fact a victim of this data breach. XXXX has already deleted We Financial account from my credit report as a resolution and now I am asking that Experian and XXXXXXXX Delete this account immediately. Please help me delete this illegal account from my credit reports.

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 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My account was compromised by identity theft and now its restricted and have negative balance on the credit account as well as checking account is restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: 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.

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 2024-01-20 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: FL

Complaint narrative:
To whom this may concern, my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof to XXXX that I was in fact a victim of this data breach. XXXX has already deleted XXXX XXXX account from my credit report as a resolution and now I am asking that XXXX and Transunion Delete this account immediately. Please help me delete this illegal account from my credit reports.

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 2024-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
This Consumer Complaint is filed against XXXX XXXX, XXXX ( XXXX XXXX ) and GoodLeap , LLC ( GoodLeap ) for breach of contract, fraudulent misrepresentation, conspiracy, predatory lending practices, and violations of the Deceptive Trade Practices Act. As a result of both XXXX XXXX and GoodLeaps continuous false, deceptive, misleading, and predatory actions, I have suffered {$1300.00} ( recovered {$410.00} ) in actual damages, had my solar panels illegal locked up for over a month, incurred a XXXX drop in credit score ( from XXXX to XXXX ), and suffered severe anxiety and mental anguish. Please see attached for detailed complaint and evidence.

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 monetary relief
Consumer complaint received 2024-01-21 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: PA

Complaint narrative:
I noticed some inaccurate accounts and unauthorized inquiries. Please delete this accounts and inquiries. Also I recieve responses from the bureaus saying I'm using credit repair company which is wrong because I'm the only one sending letters and complaints XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$80.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
Had unauthorized transactions XX/XX/XXXX and XXXX, filed a dispute on the XXXX with Cash App. They responded on the XXXX saying : Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made in case # XXXX. 
An investigation of your claim submission and account details concluded that this was an authorized transaction and no error occurred. 

They provided a print out of the transactions disputed but no other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I purchased furniture from XXXX XXXX through American First Finance on XX/XX/23. I have been making biweekly payments of {$250.00} since last year. Ive had sever issues with the bank regarding my payments. Theyve made repeated errors with my auto drafts and begin harassing me the same day the payments are due after they fail to fix the errors on there end. 

After several frustrating calls, texts, emails, and chats, I began to just make the payments on my own. When I noticed my balance was continuously increasing in spite of my biweekly payments, I reached out to find out why my balance wasnt decreasing. I was told my balance wasnt decreasing when I make payments because Im paying lease and loan fees. I asked to return the furniture and cancel my contract due to my bad experiences since Ive started making payments. I was then told they do not pick up merchandise nor does the vendor accept returns. I was given contact information for another department to request a return. 

I never had luck via telephone, so I submitted a return request via email. I was told the store didnt accept returns so I would have to complete a donation return process, while still making payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The scammer posted a listing on XXXX advertising an apartment for sublease for 6 months for the address XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I replied to the ad of the " person '' subleasing and she ( who goes by the name of " XXXX XXXX '' ) told me to apply directly with the management company at the website : XXXX. Both the initial XXXX ad and the website contain pictures of the property totally stolen from another property nearby. 
I went on the website and I applied and was approved for the sublease and I signed an " Sublease Agreement ''. I was told by the fake management company to XXXX pay " XXXX XXXX XXXX '' ( the fake owner ) using his/her number XXXX a total of XXXX which I sent in three installments to reserve the apartment for the 6 months. It turned out the pictures that were used on the XXXX ad ( no longer exists ) and the website XXXX were pictures stolen from a different apartment complex down the street located at XXXX XXXX XXXX that is managed by XXXX XXXX. 

Unforutnately, I was scammed into sending the three payments ( XXXX each ) via Chase XXXX to find out a few days later that the the imposter/scammer stole the pictures from a different apartment, created a fake management company, and scammed a total of XXXX from me via XXXX. 

Currently, the scam site XXXX is still an active website and perhaps others are also told to go to this site to " apply '' for an apartment as part of the scam. There is an ad that came out a few days ago warning people that the XXXX ad is a scam. I have email conversations, screenshots, payment details, etc. if needed for additional evidence. 

I filed the complaint with both XXXX and my financial institution Chase Bank and both said that there is nothing they can do about the three transactions already made and authorized by me. I authorized the transactions since I was given false information about the apartment and I was dealing with a scammer so the authorization is not based on truthful information. I want a charge back under Regulation E, but Chase Bank 's answer was that they have no right to recover the funds for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CrossCheck, Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Pavilion Payments US BuyerCo, LLC
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
The collection agency has engaged in false misleading practices violating FDCPA 807, and providing misleading forms violating FDCPA 812.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Greetings, USAA has engaged in unfair deceptive and abusive acts and practices, also known as UDAAP concerning my USAA insurance policy. I have multiple services with USAA to include banking and vehicle financing. 
On XXXX XX/XX/XXXX, I learned that my USAA Auto insurance policy was cancelled without proper notice. This is alarming seeing as I had a payment arrangement with USAA that was discussed on XXXX XX/XX/XXXX. Specifically, I contacted USAA to advise that I needed more time to make a payment due to an unforeseen financial circumstance. I spoke with a representative who advised that I should make a payment by XXXX XX/XX/XXXX. The representative advised that if I could not make a payment, I should call back to see what options would be available. She indicated that she would update my account notating that information. On yesterday, XXXX XX/XX/XXXX I went online to make a payment only to realize that my policy had been cancelled. Over the last month, I have been XXXX for XXXX XXXX  and only had access to email. On XXXX XX/XX/XXXX, I received an email from USAA, but there was no indication or date stating that my coverage was on the verge of being cancelled. Last week, I returned from XXXX XXXX  to learn that my auto insurance was cancelled. When I spoke with a representative on yesterday, she was increasingly condescending and stated she could not find any notes from the last conversation Id had with USAA on the topic. I found that troubling and asked that they pull the call records to listen to the conversation. She stated that process could take up to 5 business days for that request, meanwhile, I was left uninsured and my consumer credit report impacted. I requested that my insurance be reinstated. The representative ran a quote that doubled my last premium with USAA. I am shocked. I am being mistreated and unfairly evaluated in this urgent matter. This is not right. On today, XXXX XX/XX/XXXX, the representative admitted that the phone call was reviewed and the payment arrangement was discussed. USAA never set up the agreement on my behalf. I told the USAA representative that I could not set up the arrangement myself which was why I contacted them for assistance. Today, the USAA representative was hostile towards me. The bottom line is she did not hear the phone call ( her supervisor did ) and she has no authority to assist and she continued to gaslit me about what was mentioned on the phone call. That representative refused to assist in any manner helpful in this already tense situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

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. 

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TX

Complaint narrative:
TransUnion continues to violate privacy report non credit personal transactions on my report stating that they verified it with the furnished which is clear and willful non compliance an I am tied of submitting disputes just to receive the same auto generated letters back in the mail for instance they allowed XXXX XXXX XXXX XXXX to illegally report a fraudulent debt on my account for XXXX months an if I would have never been a victim of the XXXX breach and pulled all reports they would have still been allowing my identity to misused at the detriment of my lively hood and is liable under the applicable title in FCRA for monetary relief for the willful and negligent non compliance an the deletion of the account serves as proof to support this claim XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX started and went on for XXXX months now they are in a federal lawsuit and I dont mind adding TransUnion as a party of interest. See the attached deletion is admitting and its all coming together as a violation of my civil rights under HIPPA due to it being medical information related that they are passing around for profit so here I come transunion here I come!!

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