vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
The Credit Bureaus TransUnion, XXXX XXXX XXXX, can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and sharing my private information with affiliates/nonaffiliates. 

Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. 

I have given my instructions to the third-party agency to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information. 
( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
This company is violating my Consumer rights by using false, misleading, misrepresentative, and deceptive means. I have made previous attempts to fix this issue directly with them, and they are violating my rights. As a result of this violation, I am entitled to {$1000.00} for every violation I listed. They either pay me or delete these accounts ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n 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 2024-08-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I returned an item at Dick 's Sporting Goods in XXXX Michigan on XX/XX/year> and was issued a gift card for the return in the amount of {$100.00}. Today, XX/XX/year>, I attempted to use the gift card to make an online purchase at Dick 's Sporting Goods only to find that the card did not have any balance on it. I contacted the phone number on the back of the gift card ( XXXX ) in search of resolution. I was told that there was no balance on the card and that there would be no reimbursement or resolution forthcoming, resulting in me being out the {$100.00}. I attempted to escalate while on the call only to be told the same thing by 2 other people ; no reimbursement/resolution. I have the receipt from when the gift card was issued for {$100.00} as well as the physical gift card ( it never left my possession between XX/XX/year> and XX/XX/year> ). I'm seeking return or access to the {$100.00} owed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to formally request the removal of an unauthorized hard inquiry on my credit report. This inquiry was made by TD Bank in connection with a TDFIT Personal Loan application. At the time of the application, I was assured by your representative that I would be approved based on my credit score and bank statements, even as the sole owner of my XXXX, where deposits are made into my business checking accounts. However, contrary to these assurances, my credit report now reflects a hard inquiry from TD Bank. 
This unauthorized hard inquiry constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies can only furnish a consumer report for permissible purposes and that users of consumer reports, such as TD Bank, must have a permissible purpose to obtain such reports. The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report may be obtained, and this situation does not meet those criteria. 
Furthermore, the misinformation provided by your representative constitutes deceptive business practices, which are prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. This act gives the Consumer Financial Protection Bureau ( CFPB ) the authority to protect consumers from unfair, deceptive, or abusive acts or practices ( UDAAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FlexShopper, Inc
State: TN

Complaint narrative:
Original Creditor : Flex Lending Date Opened : XX/XX/year>, Balance Reported : {$3900.00} Current Status : Charge-off Reasons for Dispute : Lack of Notification : I was not notified that this account would be reported as a charge-off on my credit file, nor have I received any formal notice of such action. This omission constitutes a violation of my rights under the FCRA, which mandates that consumers be notified of significant negative actions being reported to credit bureaus. Violation of FCRA : Under the FCRA, you are required to ensure maximum possible accuracy when reporting information. The lack of notification and the inaccuracies outlined suggest a failure to comply with these obligations. Unverified Information : I request that Flex Lending provide verification of this account, including detailed payment history, any communications regarding this account, and documentation of the charge-off status. I respectfully request that you investigate this matter and provide me with a written statement detailing the findings. If the investigation reveals any errors or unverifiable information, I request that you remove this entry from my credit report and provide me with an updated copy. Please note that under the FCRA, you are required to complete your investigation within 30 days. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Company continues to harass and contact me even after I informed them that it is well over the 3 year statute of limitations on this supposed debt and to please stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I contacted EdFinancial, my student loan servicer, on XX/XX/XXXX. I asked them to apply a monthly payment ( made in addition to my minimum monthly payment ) against the principal balance of my loan. They refused to do so, and stated that payments must be made against the interest first. I pointed the service agent to the CFPB page linked below, which indicates that a borrower can instruct the servicer to apply the payment against the principal amount. They still refused to apply the payment to the principal amount of the loan and stated that per their policies it is not possible to do so. At this time, I have not been allowed to pay against the principal amount of my loan which I would like to do. 
https : //www.consumerfinance.govXXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, you % XXXX % XXXX % XXXX % XXXX.

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

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
We are refinancing our XXXXXXXX XXXX from Truist Bank XXXX XXXX XXXX XXXX XXXX in Colorado. We initiated this process in late XX/XX/year> and were given a check from XXXX XXXX to send to Truist to pay off the car. Truist screwed this up by not sending XXXX XXXX a photo of the back of the check so XXXX XXXX cancelled the check. XXXX federal provided us the funds to XXXX pay off the car through the Truist portal which we called in and did on XXXX of XX/XX/year>. Truist send us a noticed that we were fined a {$20.00} return check fee for THEIR lack of ineptitude. it is now XX/XX/year> and neither my bank or us have received the title or lien release letter. I called Truist and only then did they start that process which is unacceptable. XXXX XXXX has since sent us 2 notices warning that they haven't received the title and after 3 warnings we'd have to file for an extension. Truist will never get my business again. I need Truist to fix this issue yesterday.

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 2024-08-01 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: IN

Complaint narrative:
XXXX and Equifax is reporting fraudulent accounts on credit profile with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . XXXX did an investigate deleted all of these items. I am victim of identity theft which I do have a personal statement on. my credit profile stating this and I turned in a FTC to show them and a police report. I even turned in a letter I gotten from XXXX about them removing the account from my credit report. I want theses accounts to immediately blocked and removed from my credit report. Legally I can also get credit reporting companies to remove fraudulent information and debts from your credit report, which is called blocking. FCRA 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: IL

Complaint narrative:
Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXX  in The XXXX XXXX of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-01 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: TX

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: T.S. Holdings
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX CT I received a call from a personnel employed at IQ Data International Inc regarding an attempt to collect a debt from my former leaser office/management company. The agent was not helpful at all in explaining to me what the charges were for. Furthermore, he asked his manager, XXXX XXXX, to forward me an itemized statements for the charges incurred. I received the email from XXXX XXXX, an Operations Manager at IQ Data International , Inc. at XXXX where he sent me a document containing not only my social security number, but he also shared another person 's social security number as well. This has me concerned that my personal information is being shared without my knowledge or consent. Furthermore, he kept on insisting that I refused to resolve the debt, which I never stated, and informed him that I am simply trying to inquire as to why there were charges on there that didn't make sense, especially since I reached out the the leasing office earlier that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
n 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 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I hereby declare that I do not, and have never consented to any contract purportedly established between myself and LVNV Funding, as there exists NO SIGNED CONTRACT BETWEEN US IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. 
As no such contract exists, between myself and LVNV Funding I hereby assert that I am not bound by any purported contractual obligations! I hereby demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to any purported obligation with LVNV Funding. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
I have contacted LexisNexis Risk Solutions to get assistance correcting the consumer information they shared with the insurance company that denied my application for homeowner insurance. LexisNexis plans to file a dispute with the insurance company that was the source of the information and get back to me in 30 days. LexisNexis records are inconsistent with the claim history reported by XXXX XXXX as the reason for denying the policy. 
I believe there are 3-parties that have kept incorrect records or reported inaccurately and materially affected my ability to insure my home and keep my mortgage. 
XXXX is XXXX XXXXXXXX XXXX and XXXX XXXX is XXXX  a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, telephone : XXXX. XXXX XXXX Inquiry Record number XXXX XXXX is LexisNexis , who is maintaining inaccurate records and sent a report inconsistent with their records. Loss History Report : Reference XXXX I will provide you with an update in 30 days when LexisNexis has reported on their dispute resolution process. 
This issue is time sensitive as my insurance will expire with no prospect of a new policy. in 60 days.

Company response to consumer: Closed with explanation