vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
XXXX XXXX Account # XXXX. 

XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Account # 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 2024-02-19 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested an investigation through the XXXX online portal regarding inaccurate items on my credit file that were being reported erroneously. On XX/XX/XXXX, XXXX agency reported that they had completed their investigation, and the items were not deleted, as requested. On XX/XX/XXXX, I filed another dispute, noting that I had not yet received any correspondence from LJ Ross and Associates validating the debt in question. At that time, I also emailed XXXX requesting their method for validating the debt, but I have received no response from XXXX about this specific matter. I mailed my second letter to LJ Ross and associates via certified mail on XX/XX/XXXX, asking them to validate the debt which I still have not received a response from them on my first or second attempt. On XX/XX/XXXX I received a notice in my XXXX online account that my dispute results were available. When I logged in online, it said I needed to call a representative. When I called the representative on XX/XX/XXXX, the associate I spoke with told me they had not completed the findings, that there was only electronic communication from LJ Ross and associates to XXXX updating the debt as they had monthly, and that they had also not furnished any documentation validating the debt to XXXX as of yet. She also advised that I wait until XX/XX/XXXX, when the investigation would be concluded. I expressed my concern about never receiving any communication from LJ Ross and associates. When I logged into my XXXX portal, it said the investigation was concluded on XX/XX/XXXX. I have not received any correspondence or communication from LJ Ross and Associates, nor has XXXX provided any correspondence from LJ Ross and Associates validating the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
This is not a verification account. XXXX Account XXXX. 

XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # 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 2024-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
At the time of attempting to collect payment, the creditor contacted an in-law and disclosed information regarding the reason for the call, reason being that a debt was owed to the creditor. Employees of creditors also used alternate phone numbers to call or harass several times a day, regarding loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies present on my credit report, which have been reported by VANCE AND HUFFMAN LLC . I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account. 

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against VANCE and HUFFMAN LLC for their failure to comply with federal laws and their disregard for consumer rights. 

Enclosed are copies of relevant correspondence and documentation supporting my claims. Please review this information thoroughly as part of your investigation. 

Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
Report Number XXXX with Experian dated XXXX pertaining to reporting from and with XXXX XXXX XXXX Bank for late payment dated XXXX of XXXX. Consumer advised Experian that they were in clear violation of my federally protected consumer rights pursuant to : 1. 15 USC 1681 as I, the consumer, DID NOT give written consent for reporting. 
2. 15 USC 6801 for sharing non public information. 
3. Privacy Act of 1974 4. 15 USC 1666b as no late payments should be reported on my consumer 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
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
XXXX XXXX Bank Account # XXXX. 

XXXX XXXX Bank is reporting to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX Bank have reported my private information without my consent. XXXX XXXX Bank actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX Bank have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX Bank has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Bank Account # 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 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to follow up regarding a hard inquiry that has appeared on my credit report without my authorization. I have submitted a CFPB Complaint but up to this date it is still open and I was not given any satisfactory resolution. Upon reviewing my credit report, I noticed an inquiry made by the company that I have never provided explicit consent to or to your credit bureau to perform an inquiry on my credit file.

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 2024-02-19 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: WA

Complaint narrative:
XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX XXXX  XXXXXXXX XXXX on XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of 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 2024-02-19 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: WA

Complaint narrative:
XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX XXXX  XXXX, XXXX  on XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX Bank XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of 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 2024-02-19 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: SC

Complaint narrative:
Simply fix and make my report 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 2024-02-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts, 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 an account without my written instructions. 

XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXXXXXX ( 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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used my Chase bank card to make a purchase using layaway for a puppy that I was to purchase in good faith. I paid XXXX for the layaway and I signed the contract that noted no refund. However, after my XXXX XXXX XXXX dog passed away 7 days later I went to go see the puppy that I placed in layaway and the dog was covered and smeared with urine so bad that the stomach was yellow. They had moved the dog to the back area since I was going to purchase and it was kept in unsanitary conditions according to my observation of the puppy. When I saw how filthy the puppy was I decided not to make purchase due to the XXXXiseases dogs can catch from other dogs urine called Leptospirosis. Remember I had just lost my other dog. I told the company I did not want the dog and that I would contact the bank. The company XXXX XXXX told me we don't give refunds. So I contacted Chase and they were assuring me that it would not be a problem in getting my money back after explaining this. In fact they gave me a temporary credit of the amount back to the credit card and in XX/XX/year> they reversed it back by charging me for the item. I never took the puppy, the puppy stayed at the business and I disputed the charge and Chase refused to give me my money back because they said I signed the contract. However, due to the defectiveness of the product not being as I observed it when I placed item on layaway I wanted my money back in full. I have disputed numerous times and they still refuse. I do not feel like Chase protected me after losing my other dog, I was going through grief considerably. I want my refund!!! The bank has copy of everything, I do not have any copies. It was purchase XX/XX/year> at XXXX XXXX for XXXX

Company response to consumer: Closed with explanation