vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Repeated calls, initiated first by me to request evidence of debt, and after investigating all entities related and with whom I have a business/contractual/legal/financial relationship, and after obtaining verification of no such debt that these parties acknowledged, but the contrary, have been made. I received the third this morning ( XXXX XXXX, XXXX  ). 
I have warned this company that I will pursue criminal accusations/filings if any such calls are further received, at least twice -- maybe three times. 
I investigated immediately after receiving a mailing. This was several weeks ago -- early XXXX, XXXX? I believe this to be a roughly accurate date by recollection. I did not expect further calls -- I warned this operation in no uncertain terms in each phone dialogue. 
I was stiff-armed. 
I have important business to attend to, and these disturbances are more than unwelcome. 
I request that this operation, once again, cease and desist if they can not provide formal evidence of a debt. So far it has not done so, despite my requests on the phone. 
I believe this to be at the least, thoroughly incompetent. But it is more than this -- I will claim it is standard, and now common, fraudulent practice in hopes of being paid a debt not owed. 
I do not care what the internal causes and malpractice entail. I will pursue criminal charges at state and federal levels, and further back these with formal evidence if the authorities choose to pursue this matter/case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I opened a Amazon synchrony bank, credit card and opted in for card security protection XX/XX/XXXXXXXX  in which I was charged for this service 1.66 % of my monthly balance I opened the account years ago. They are not honoring the card security in which I paid monthly for. They are suppose to cover up to XXXX of my balance. synchrony is dragging their feet and not moving forward with the benefit request, but are suing me for the balance of XXXX cost, and which I had paid for the card protection program close to {$22000.00} + they are not honoring the service that I paid for even after filling out additional benefit request forms Synchrony bank is moving forward with a judgment against me. I requested all statements to be mailed to me and them to honor the program. They are not. I have disposition for court XX/XX/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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email address below and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will respond. My email address is XXXX. Sincerely, 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 2023-12-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I received an Amex giftcard from my employer for {$50.00} dollars. I activated the card and checked the balance and attempted to make a purchase on XX/XX/XXXX. The card said it was declined a few times. I checked the balance, and funds were removed for XXXX cents for each failed purchase, but enough funds were available to cover the funds. I tried another vendor ( XXXX ) with the same result on XX/XX/XXXX. I had the same issue the previous year as well, so I called the customer service line and was told they will refund the full amount, and the card was declined for " my protection '', but was now ready for use. I waited until XX/XX/XXXX to attempt a purchase for XXXX, but it declined. I checked my balance, and it still shows XXXX available, so they money wasn't refunded, and I still can not use my card. 

The resolution for last year was that I had to load the funds onto an XXXX account, which was the only way I could get any funds. This was not what I wanted to use it for, but at least I was able to get use of the card. That method did not work this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: CA

Complaint narrative:
Hi, I called Equifax to report that my credit score dropped by XXXX points, without any acceptable reason. My activities have effectively been unchanged, I maintained more or less the same balance on my credit cards, have not opened any new accounts with associated hard enquiries into my credits. 

Typically, my credit score ranges by +/- XXXX points - this is acceptable due to impacts with small changes with credit card balances etc. However, no explanation or reason for why the sudden drop by XXXX points between XXXX and XXXX of XXXX. I went over the details with both an associate and supervisor for Equifax on XX/XX/XXXX with call reference # XXXX. All they offered was to send my credit report to me- which I already had and was the basis for my making call to them. 

The only change I note over the year was my debt burden went down overall- but this should be a positive not a negative. As I have continuous and good credit history - no defaults, late payments etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Dept collection company named Oaks capital LLC is trying to make me pay the dept I owed XXXX..the amount of the debt is XXXX And Oaks capital LLC puts that on my credit report so I want them to remove that debt on my credit report because I do not own them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed unauthorized accounts on my credit report and they were removed but 6 months later, these companies were allowed to re-report deleted accounts. Deleted after complaint and investigation. 
I have lost several opportunities to loans due this credit report harassment violations my rights under the Fair Credit Reporting Act, Fair Credit Billing Act and The Fair Debt Collection Practices Act.

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 2023-12-26 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: MI

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.

has violated my rights. Or a list of inquiries : 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 2023-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Back in XXXX of XXXX, I made a complaint with the XXXX on XXXX because they tried to overcharge me and it was impossible to make payments on the phone with their system. The hold times were huge and the phone libnes would get disconnected so I told them I wanted to end my prepaid phoine service with them because it was too stressful. I told them I would be paying this last payment and I did not want to be charged again so make sure this is all I owe. I paid them the last payment and they ended the service. It wasn't even a subscription service. It was prepaid, so I could end anytime. Fast forward to XX/XX/XXXX, I get an email from a XXXX XXXX at XXXX. The email said, " This account has been placed with XXXX XXXX for collection. Continue to our website to view your summary. Your balance of {$360.00}, originally owed to XXXX XXXX but now owned by XXXX XXXX XXXX XXXX XXXX is still outstanding, and once you view your summary you can view your payment options. '' They sold my information to a creditor when I paid them 2 years ago to end my service. They obviously racked up new charges, even though I told her to make it clear that that was the last payment I needed to pay to get out of the service. I only paid XXXX about {$28.00} and some change each month for this account, so where is this {$360.00} amount coming from? They illegally sold my information to a bill collector. This is awful, and I don't appreciate them selling my information when I don't owe them anything more. That's illegal and an invasion of my privacy..I paid them that last bill when I made the complaint, so they obviously racked up the bill and then sold it to collections, even though it should have been paid and ended. They didn't even send any bill notices even though there should not have been a anymore bills. I hate getting in subsciption plans because they do this and it's impossible to egt out so it ends up in collections, but this was a prepaid plan, so why are they even doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there is personal information reporting that I did not consent to being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there is personal information reporting that I did not consent to being reported

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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, Square up processing payment is taking advantage of my hard earned money and hours of work. I usually work 12 hrs every day to survive. After square presented to me some disputed payment I presented back all the evidence that rides were completed from my end and also with customer information ( first and last name, email, billing address ) square inc is unfairly withdrawing money from my bank account and after 90 days square is responding that payment was returned to customers bank. 

I opened my account with square payment less than 2 months and I have loss of {$610.00} This is hardship and wage theft. This is highly illegal that my money is taken after the rides were completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-12-26 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: PA

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.

has violated my rights. Or a list of inquiries : 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 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
My wife received a letter in the mail pertaining to fortiva credit and she contacted them they asked for documentation in regards to my wife 's statement that there was identity theft on my credit as well as hers her info was leaked from one of the credit Bureau and mine through a company I applied at for employment and received a notice which was sent along with the item which provided info leaked such as name, since, address, phone, dob my wife and I have never spoke to company before calls came in but they constantly call and make assumptions that my wife and or myself opened cards with said company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: SC

Complaint narrative:
My personal information is being exposed to my credit report without being given my written or verbal consent.

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 2023-12-26 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: AZ

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 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