vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 's XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I have told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.

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 2024-03-17 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 XXXXXXXX XXXX .15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.

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 2024-03-17 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 XXXX15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I placed an order for a XXXX XXXX device on XX/XX/year> in the amount of {$180.00}. I purchased the device as it was advertised to be able to copy XXXX key tags and emulate signals so that I could use it to copy some personal keys. After following the instructions clearly and trying to use the device I realized that it was not functioning properly and seemed to be defective. The device does not put out a signal. 

I contacted XXXX XXXX on XX/XX/XXXX with my concern and provided all requested information alongside a request to return the item. 

XXXXXXXX XXXX  refused my request to return the device and claimed that the device is not faulty. 

They claim to have a warranty for defective items but will not honor the policy. 

XXXX XXXX has taken extensive periods of time to reply to me, letting their 30 day return policy lapse. 

They have not given me any instruction, address, or approval to return the item. I have asked to return it several times but they will not accept a return. 

I filed a dispute with Goldman Sachs for my Apple Card and they have repeatedly refused my dispute saying that there was no evidence to substantiate my claim. When asked why they refused the claim they said that there is no evidence that I returned the item even though I have clearly stated that I have not been able to return the item because XXXX is refusing to accept it. 

I do not want their defective device, I simply want to return it and receive my {$180.00} back. However, both XXXX and Goldman Sachs are not helpful. 

XXXX has replied saying that they noticed I filed a dispute that was decided in their favor and has used that to back themselves up. 

Goldman Sachs will not stand with me as a consumer being taken advantage of by XXXX XXXX Their investigation process is faulty and they are not transparent about the process. 

They have repeatedly refused my chargeback as they are not taking the time to fully understand and read through my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I WANT MY ACCOUNT UPDATED AS PER 15USC1602P. THE INQUIRIES NEED TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
I reveiwed my credit report recently and there is a fraud account from XXXX XXXX account number XXXX which I did not authorize nor do a have a contract with this company or XXXX. 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. Being that this is not my account then it could not be accurate.

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 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
Under 15 U.S. Code 1601, 15 U.S. Code 1666b and 15 U.S. Code 1692c ; I thereby request the following : 1. Verification of the debt 's validity, including documentation proving that I owe this debt. 
2. Proof that REMEX INC has the legal right to collect this debt.

3. A complete accounting of the debt, including the original creditor 's name and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau Attn : Complaints 1700 G Street NW XXXX, D.C. XXXX Subject : Formal Complaint Regarding Violation of GLBA Rights and Failure to Remove Account Information from Credit Report Dear XXXX XXXX I am writing to file a formal complaint against XXXX XXXX XXXX regarding their failure to honor my federally protected rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically pertaining to the sharing of my Nonpublic Personal Information ( NPI ) with non-affiliated third parties. Additionally, I am deeply concerned about their failure to comply with my request for the removal of account information from my credit report, despite sending a written request over XXXX  days ago. 

Per my rights outlined in 15 U.S.C. 6802 of the GLBA, I previously exercised my option to opt-out of the sharing of my NPI with non-affiliated third parties. Despite this, XXXX XXXX XXXX has continued to share my information, which constitutes a clear violation of federal law and a breach of my privacy rights. 

Furthermore, I formally requested XXXXXXXX XXXX XXXX to remove the account information associated with my account from my credit report. This request was submitted in writing over XXXX days ago, in accordance with the Fair Credit Reporting Act ( FCRA ), yet I have received no confirmation of action taken, nor any updates regarding the status of my request. As a result, this erroneous and unauthorized account information continues to negatively impact my creditworthiness and financial standing. 

I have made diligent efforts to resolve this matter directly with XXXX XXXX XXXX, but their lack of response and failure to rectify the situation has left me with no recourse but to escalate this issue to your attention, as the regulatory authority responsible for overseeing consumer financial protection. 

Therefore, I respectfully request the following actions be taken : Investigate XXXX XXXX  XXXX 's non-compliance with GLBA regulations regarding the sharing of NPI.

Require XXXX XXXX XXXX to immediately cease sharing my NPI with non-affiliated third parties. 
Mandate XXXX XXXX XXXX to promptly remove all account information associated with my account from my credit report. 
Impose appropriate penalties and sanctions on XXXX XXXX XXXX for their willful disregard of federal laws and consumer rights. 
I have enclosed copies of all relevant correspondence, including my written request to XXXX XXXX  XXXX for the removal of account information and any responses received, for your reference. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure that XXXX XXXX XXXX fulfills its legal obligations and remedies the harm caused by their actions. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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 recently reviewed my credit report and noticed an account that was not reporting accurately. It says I have late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. My credit score dropped over XXXX points due to this inaccurate reporting. I am not late on any of my other accounts and always pay on time, before, or extra payments. 

In accordance with the Fair Credit Reporting act Account XXXX has violated my rights. 

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. 16815-2 ( 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. 

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: AK

Complaint narrative:
I received a court summons saying I owe {$1400.00} to a debt collector. This collector never attempted to reach out to me prior to this - not a single email or letter about me owing them money and when I check the court website it says they opened this case against me a month ago, but never reached out regarding it until now saying I have 20 days to respond. I was very confused and attempted to reach out to them but they wont talk to me. Im especially confused because I dont owe anyone this amount. I have a {$2000.00} something amount I owe through my bank, {$33.00} I owe on my car loan, and a {$1800.00} debt I owe to XXXX  XXXX XXXX that I have been paying off and their records show it wasnt sent to debt collection. Even when I check my credit score/history it only lists these three so Im not sure where this company is getting that I owe them money. I cant even find them online. The summons and court documents say its XXXX but XXXX keeps trying to change it to Unifund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On or around XX/XX/2024, my credit reports were pulled for a mortgage application. At such time, an account in collections with CCS collections was found to be on my account with a collection amount of {$60.00} from XXXX XXXX. As of that time I had received no notification from CCS about this account. When I called them about this account, I was told that they had mailed several notices none of which I have ever received. I have discussed the problem with XXXX and paid them directly. The customer service agent I spoke with said that they would not be reporting and that they would request CCS to remove their reporting, however, as of this date I have still not received the right to dispute the validity of this account as I have never received any paperwork from this creditor in direct violation of my rights granted under FCRA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XXXX/XXXX/24 a hard inquiry was not authorized with permissible purpose by 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 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase closed my checking account without notification ahead on XX/XX/2023, withold all my money around XXXX dollars. Chase hasnt return all my money. I went to branch every two weeks and the bankers ghoost and don't let me in sometimes. And Chase banker start to ignore my email recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-03-18 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: MI

Complaint narrative:
Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public PERSONAL and FINANCIAL information to XXXX XXXX & XXXX XXXX XXXX.This includes any initial notices provided to me at the establishment of the customer relationship. 


Provide any written CONTRACTS & DISCLOSURES or agreements between myself and XXXX XXXX and XXXX XXXX XXXX explicitly granting permission to share my non-public PERSONAL and Financial information. 

Signature Confirmation : Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information. 

Both companies+your company has violation the GRAMM LEECH BILLEY ACT ( GLB ) it is a federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602. This states I have the right to privacy ( 15 USC 1681 ( Section 604a section 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor man not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I booked a hotel and car rental from XXXX from a trip to XXXX XXXX. I fell ill the day before so I called the hotel to cancel. The hotel said to call XXXX, when called XXXX, XXXX said they would need to call the Hotel Manager to get the charges reversed to verify I did not show. 

Its been 3.5 weeks and every time I email XXXX for an update they are still stating after 3.5 weeks they have yet to hear from the hotel manager and this nothing but a tactic used to not have to pay back the consumer. 

I let my credit card company know and they said I need to go through XXXX, so my credit card company is not advocating for me when they are supposed to & It states clearly on the hotel website when you confirm on XXXX that as long as you do a no call no show you would be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Once again, I am trying to find help for my son who had is pandemic unemployment direct deposited to my account. However due to cashing a employment check that was fraudulent, in my defense I left in the account until the bank completely cleared the transaction. I could have taken half out if I wanted, I called and spoke with them and explained. They said ok but we need to close the account. I requested they transfer my money out of the account which they said could not be done as the account was already completely closed. During this time covid started, my son filed for unemployment and it took XXXX or 5 months but was excepted. He check for a deposit date, on that day check my account nothing deposited. Waited XXXX more days then called XXXX trying to find the money. The agent refused to tell me the bank or have the deposit reversed. She could only provide the last XXXX of the account. It took me 2 months of searching to finally find a statement with that account number. I called citi bank who denied the deposit claiming it was returned. It took another 2 months to get them to admit they had his deposit, however they refused to release the funds without Providing Identity, so I sent my son to XXXX in the middle of the pandemic just to find out the bank lied and gave me the address to a closed location. I was furious, they then told me he had to go XXXX states away to prove Identity. It would have been more than the check XXXX dollars. I had to tell him no, but I continued to write and beg someone to help. During this time I received a letter stating they. Were closing my account. The one that was closed months before excepting a deposit someone and it had a XXXX balance. I called citi all this is documented to which they said we took the money and deposited it into our account until you can have the XXXX get a warrant to return the funds. No they will not reverse charges, no a letter or call from the XXXX will not help. They demanded a XXXX XXXX XXXX for the funds. 
This has been 4 years ago nobody will help me, I refuse to allow them to steal his money

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 monetary relief