vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
Was notified by XXXX XXXX ( XXXX XXXX ) that my XXXX score had dropped XXXX points via both Equifax and XXXX. XXXX Equifax customer support today- obtained my credit report online successfully. No adverse information was apparent on the report. XXXX agreed there was no adverse information and all accounts were in good standing ( the XXXX report was also clean and XXXX agreed there was no adverse information ). XXXX indicated there was nothing that could be done and no one at Equifax was authorized to access the information that may have caused the score drop. I asked to speak to a supervisor, he said he was the supervisor. I asked to submit a complaint, he offered to submit a *dispute*- I told him I didn't see anything on my report to dispute, the information appeared to be correct. I emphasized I wanted to complain, he said I would have to complain to CFPB ( which I understand is a violation of their obligations to investigate consumer complaints under FCRA ). This is apparently the only avenue I have to protest what has just happened to me and the devastating, inexplicable impact to my credit standing. Again, there is no adverse information apparent, nor can I imagine any that could be coming that has yet to be expressed on the report. How is it legal to do this to people?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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:
15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OFFICE OF ATTORNEY/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Aspire Financial for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that Aspire Financial has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) - " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. Aspire Financial did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

Aspire Financial has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 

Lack of XXXX XXXX : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties. Additionally, I never received my forms to opt out. This opportunity should have been clear and conspicuous, and it was not. Signing a contract that states the company " may '' report does not suffice under this law. 

I request that Aspire Financial cease the unauthorized sharing of my information immediately and take corrective actions to rectify the negative impact on my credit report. I also request written confirmation that my complaint has been received and is being addressed. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or around XX/XX/2024, I filed lawsuit against my former Landlord, XXXX XXXX, to recover my security deposit. The Court reviewed evidence, took testimony, and entered FINAL JUDGMENT against my former Landlord, and in my favor, affirming that I owe the former Landlord nothing, but that, XXXX is in fact a debtor to me. 

This collection item is therefore inaccurately placed on my credit reports, and should be immediately deleted.

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 2024-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX was tenant in my household, and I found my credit statements in his possession on XX/XX/year>. It was a Home Depot statement, and I was unable to review the statement. He also used my Macy 's XXXX XXXX card and moved items that were purchased to another address. He has taken items to another address at XXXX XXXX XXXX, XXXX, New York. He also had his associate XXXX XXXX XXXX XXXX ) remove XXXX large tubs of paint from my front yard after I questioned him about using my Home Depot credit card. I did not question XXXX about this matter. He was instructed by XXXX XXXX to load them in his pickup truck whereupon they were transported to a location in New Jersey. I called the police because I told XXXX XXXX that he could no longer reside in this home. I have filed complaints on various charges that are on my online statements although I used paper statements with Home Depot.

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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
This is an update of case # XXXX. As of today I did not receive the alleged check that was sent on XX/XX/year>. Today, XX/XX/year>, I called Citibank and the check was stopped for payment and a new check is going to be created and maybe in XXXX weeks I will receive it. In the meantime my money is sitting in Citibank account generating interest. 
Was a struggle to deal with Citibank customer service and the special unit, XXXX XXXX XXXX The person from Executive Response, XXXX  tel XXXX XXXX ext XXXX, told me when I asked for a supervisor that there is no one above him. I made several attempts to get updates from him, never heard back. Today I contacted the regular customer service, did get to talk with a supervisor, XXXX, and what they both have in common is the unapologetic tone and leaving the impression that all this was my error. 
I guess will take more than {$500.00} millions in fines to make Citibank get their act together.

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
Consumer complaint received 2024-07-15 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear AFFIRM INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that AFFIRM INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for AFFIRM INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AFFIRM INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Trustmark Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX my situation with the home that i.have problems with led.to my foreclosure this home has a lot of problems with Electrical and Plumbing with water leaking into my hallway with water at least XXXX feet of water in my basement there are a lot of problems I could not even get insurance for this home because of the Electrical and Plumbing issues i was ruled ineligible because of the property problems with Electrical and Plumbing also I contacted XXXX XXXX XXXX deals with mold and abestos saw the water in the basement and said that water is coming from underground and that is causing the problem but said the previous owner and XXXX  XXXX should have known that. The gentleman said that something should have been built so the water wil.have a way out I was told by the agent XXXX XXXX that no water will get no higher than XXXX inches because the submersible pump that they had in the basement but unfortunately the pump did not work and have water in the basement because of the high Electrical bill and water bill Al 's I have other bills and responsibilities to take care of and I fell behind on my bills I spoke with a few realtors file a complaint with the Mississippi realtor association the realtors have seen the pictures and videos I sent them concerning this home also abestos is in my attic where water from the ac has leak everyday and damage this is a FHA loan I also reach out to FHA concerning the issues with this.home and delay and stop the foreclosure its a lot of problems and trying to get someone attention because this is not right I wanted submit more videos and pictures but it would not allow me submit no more than 1.

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 2024-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
My credit report is showing a collection account from SEQUIUM ASSET SOLUTION on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: FL

Complaint narrative:
The first concern is the reported charge-off on my credit history. I believe this charge-off may be inaccurate and does not comply with the legal requirements established by relevant regulations. These regulations outline specific criteria that must be met for a charge-off to be included on a credit report. In this case, I believe those criteria have not been adhered to. Therefore, I respectfully request a review of the reported charge-off.

This account has been Consolidated and I sent evidence of the consolidation.

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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have submitted a claim regarding XXXX account that was opened because Im of ID Theft. I have been met with nothing from American Express explaining the reason for the denial I was told my claim was reopened on XX/XX/XXXX and on XX/XX/XXXX the claim was closed and I was sent a generic letter with no explanation. I didnt not open this account or benefit from this account in any way I have asked for a call back from the back office regarding this matter and havent gotten anything. They leave no notes on the account for from end representatives to see or respond to any request from the front office so I can help move this forward with getting this out of my name. I would like a copy of the application and a detailed explanation on why this account is being rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office Of Steven D. Silverstein
State: CA

Complaint narrative:
On or around XX/XX/year> my XXXX  noticed a 3-day pay or quit notice on our door. When we pulled the notice the first thing we noticed was the amount stated were incorrect as the landlord has continued to take payments. Enclosed are copies of recent payment receipts starting before the day of the notice. 

Upon receivng this notice I looked to the back bage which outlined STATE AND FEDERAL FDCPA NOTICE FOR THE LAW OFFICE OF STEVEN D. SILVERSTEIN. As I reviewed all the legal legalities under the statue CCP 1161 ( 2 ) we immediately noticed ontop to the incorrect amount ( s ) owed there was no address to file a rebutal which is a very specific part of the ability to file a dispute surrounding their claims. 

In addition, On Monday XX/XX/year> I received in the mail a copy of the three day notice from a third entity outlined only by a po box . With no address to file our rebutal, incorrect notice with the correct amount the claim outlined is fradulant.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-15 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. 

XXXX XXXX XXXX ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : {$11000.00} 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. 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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In response to the company, I printed all my bank statements and compared them to the letter I received on XX/XX/24. On XX/XX/24 fraudulent charges of {$1700.00} was taken from account. I did not authorize. On XX/XX/24 another {$500.00} taken out of my account. On XX/XX/24 received credit of {$1700.00}. On XX/XX/24 reversed credit of {$500.00} which I was told from merchant, however {$500.00} was also withdrawn from XX/XX/24. On XX/XX/24 credit of {$920.00} to my account. On XX/XX/24 reversed {$400.00} and {$100.00}. On XX/XX/24 reverse another of {$400.00}, so {$920.00} was never credited to my account., plus I am missing {$500.00} which was with the original {$1700.00} on XX/XX/24. I am a senior on a fixed income and in financial debt because of this. I am a victim of a crime and fraud. My computer was hacked, and I had it cleaned on XX/XX/24 along with a new debit card from the bank. Please have this corrected. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
Today XXXX XXXX XXXX has a {$950.00} debt on my credit report from original creditor XXXX  ... only issue, I've already gotten this disputed and removed from my credit report in XXXX ... it was under AFNI, INC. on XX/XX/XXXX it was disputed and removed from my XXXX and other credit bureaus and I have the proof... so how does XXXX XXXX systems claim I still owe this debt XXXX years later ... it was disputed under AFNI , INC in XX/XX/XXXX and then XXXX XXXX comes along and get it added to my credit report XXXX years in XXXX after I already successfully got it deleted and removed from my credit report. 

They are a scam and are doing something illegal in my opinion. the debt can't keep showing up under different names and creditors years after I get it disputed and removed. please have XXXX capital delete and remove this from my credit reports across all XXXX credit bureaus IMMEDIATELY, this is negatively affecting my ability to get a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: Early Warning Services, LLC
State: NV

Complaint narrative:
XX/XX/year> I complete application and computer submits account name incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FC HoldCo LLC
State: GA

Complaint narrative:
On XXXX XXXX Flagship Credit Acceptance made an unauthorized error including inquiry on my credit report.

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