vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: NJ

Complaint narrative:
Please understand I am the only person writing this with no help from a 3rd party.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. As per the regulations outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative that consumer reporting agencies, such as Equifax and XXXX and XXXX conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. 

As a consumer, I am entitled to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801, which underscores Congress 's stance on financial institutions ' obligation to safeguard customer privacy. Entities providing information to credit agencies, classified as financial institutions, fall under this directive. The Accounts in question are as followed 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 According to 15 USC 1681 section 604, a consumer reporting agency may furnish a consumer report only upon the written instructions of the concerned consumer. Equifax, XXXX and XXXX and any financial institution furnishing information to credit agencies lack my explicit consent or written authorization to do so. Therefore, any form of consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that a financial institution must inform consumers of their right to opt out of disclosing nonpublic personal information to third parties. However, I was never notified of this option by the furnisher of information to credit agencies. 

Moreover, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse items of information in consumer reports without authorization. This account being reported without my consent violates this provision.

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to furnish inaccurate information to consumer reporting agencies, and Equifax and XXXX and XXXX fail to maintain reasonable procedures as required by 15 U.S. Code 1681e.

Furthermore, according to 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, a right I am now exercising. 

Therefore, I demand that Equifax, XXXX and XXXX and any financial institution involved cease the reporting of my information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on or about XXXX this writers pulled his credit report and discovered a plethora of incorrect, unauthorized and fraudulent or/and negligent information, inquiries and accounts. 

on or about XXXX this writer sent a letter to equifax information services, llc requesting removal or/and a proper re-investigation or investigation pursuant to 15 usc 1681 et al into the incorrect addresses listed on this writers credit profile. This writer sent over with the original request letter the following to verify this writers identity. 1 New York State Drivers License 2. pay stub/ 1099 document ( 2 of them ) and mail. 

on or about XXXX this writer received a letter from Equifax information services, XXXX confirming receipt of this writers letter, however, the above named company is either purposely or/and negligently refusing to remove the requested incorrect information or/and conduct a timely investigation by requesting this writers forward over the very same identity verification documents already in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
Good afternoon, My name is XXXX XXXX and I have been a victim of IDentity Theft. 

The thief took my bag that had my phone and wallet and did multiple transactions that I did not authorize. 

I tried disputing it with Square and they're breaking the law. I am FDIC insured for up to XXXX and it is the bank 's responsibility to conduct a thorough investigation. I have shown mountains of evidence that proves that I did not have my card or phone in my possession. 

I have since gotten a new phone and wallet. 

Please have them give me temporary credit while they investigate this matter. 

Telling me " take it up with the merchant '' is extremely illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Santander XXXX related to the handling of a dispute over unauthorized transactions on my account. I reported XXXX unauthorized transactions totaling approximately {$13000.00} on XX/XX/2024. These transactions occurred on XXXX XXXX XX/XX/XXXX, and I noticed them on XX/XX/XXXX. I promptly reported these to Santander on XX/XX/XXXX. After an investigation, SANTANDER XXXX informed me on XX/XX/XXXX, that my claim was denied due to what they termed " inconsistencies '' in my report. I have sought clarification on these inconsistencies and have provided additional documentation and evidence to support my claim that the transactions were indeed unauthorized and not made by me or with my consent. Despite my efforts to resolve this issue directly with the bank, including a request for appeal of their decision with further evidence and a detailed explanation, Santander XXXX has upheld their decision to deny my claim and says that they can not accept an appeal of my claim. This decision not only leaves me liable for the unauthorized charges but also raises concerns about the banks dispute resolution process and adherence to Regulation XXXX requirements.I believe that Santander 's handling of my dispute has not been in compliance with the protections afforded to consumers under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX Specifically, I am concerned about the bank 's : Investigation process and the rationale provided for the denial of my claim. Especially noting that I have a police report formally filed for this reason. Compliance with the provisional credit requirement under Regulation XXXX, given the nature and timing of my report. Overall responsiveness and transparency throughout the dispute resolution process.I am requesting the CFPBs assistance in reviewing my case, ensuring that SANTANDER complies with federal regulations protecting consumers in electronic fund transfer disputes, and helping to secure a fair and just resolution.

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 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Commencing on or about XXXX of XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BofA account to fraudulent investment firm.

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 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: MD

Complaint narrative:
I open an account with XXXX XXXX of XXXX. I received XXXX devices in which I traded in XXXX devices and was not supposed to be charged for the devices due to the trade in. My bill was supposed to be XXXX. The first bill that I received was over XXXX dollars, the second bill was over XXXX and the third was over XXXX. Each bill I reached out to the phone number of the representative that I purchase the phone from XXXX and was told that it takes XXXX billing cycles for the credits to be applied to the account. After the third billing cycle still no changes I attempted to reach out and did not receive a response. I sent multiple messages asking for clarification. I finally called into XXXX customer service to discuss the crediting on the account. I explained to them that I had sent all XXXX devices in XXXX box because i only received XXXX return label and that I had to send them in a XXXX XXXX. I gave all of the information that I had at the time. I was told that the devices were received but they did not know where to apply the credits. Then the representative told me that they could not apply credits for all devices because they were not sent in separate boxes. I then went into the XXXX store locally and asked what could I do and they told me that customer services makes the final decision. I contacted them back and asked if they could send my device back to me and I will take their devices into the local store to be sent back to them. I was told no and was sent a bill to collection XX/XX/XXXX. I am still asking for my devices to be returned and I will return their devices.

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 2024-04-04 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: The CMI Group, Inc.
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : Credit Management

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Certain listed entries exhibit inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Score on Experian was not showing on my report. Please update my score and delete all Inaccurate info on my account. 

Here 's my correct Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
LEXUS Nexus is report inaccurate information regarding wrecks and tickets on file that are not nor did I have wrecks or tickets. The inaccurate information causes incorrect insurance quotes on my CLUE report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: SC

Complaint narrative:
Hello, My name is XXXX XXXX, and I am submitting these complaints in hopes of getting a late payment reversed. I have never been late on this account. I am not sure if my payment didn't go through or if it was an oversight. 

As a courtesy, I am asking if this payment can be reversed to good standing or current. 

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXX XXXX - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX - XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies.

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 2024-04-04 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: CA

Complaint narrative:
Subject : Notice Of Dispute - XXXX - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX - XXXX. 
XXXX XXXX : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX - XXXX. 
Proof of each late payment date I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

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 2024-04-04 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: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-04 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: TX

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Subject : Notice Of Dispute - PHH MORT SVC - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account PHH MORT SVC - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account PHH MORT SVC - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account PHH MORT SVC - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account PHH MORT SVC - XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XXXX of XXXX  I have been trying to get negative information off my credit report including inquiries. Most accounts on my report are not mines/accurate. I have been trying every month since XXXX of XXXX  to contact TransUnion, XXXX, and XXXX about removing negative items from my report and have not gotten any results.

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