vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: AL

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX, Inquiry Date : XXXX XXXX XXXX  XXXX ( XXXX ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Transunion ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

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 2024-02-26 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX, ( 2 ) XXXX XXXXXXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXXXXXX XXXX, ( 5 ) XXXX XXXX XXXX , ( 6 ) XXXX XXXX, ( 7 ) XXXX XXXX XXXXXXXX, ( 8 ) XXXX XXXX XXXX , ( 9 ) XXXX XXXX XXXX , ( 10 ) XXXX XXXX, ( 11 ) XXXX XXXX XXXX, ( 12 ) XXXX XXXX XXXXXXXX , ( 13 ) XXXX XXXX, ( 14 ) XXXX XXXX XXXX ( 15 ) XXXX XXXX  , ( 16 ) XXXX XXXXXXXX, ( 17 ) XXXX XXXX, ( 18 ) XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.

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 2024-02-26 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), highlights the critical need for consumer reporting agencies to fulfill their obligations with fairness, impartiality, and a profound respect for the consumers right to privacy. XXXX, and XXXX are recognized as consumer reporting agencies, and I assert my right to safeguard my private information as the Consumer. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. Portfolio Recovery falls within the definition of a financial institution under this statute. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. Portfolio Recovery, XXXX, and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to Portfolio Recovery, XXXX, and XXXX is hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Unfortunately, Portfolio Recovery failed to inform me of this option. Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of Portfolio Recovery 's reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was locked out of my chase secure checking account on XX/XX/XXXX. I didn't get back into my account until XXXX XXXX. That is when I found out somebody XXXX  {$2000.00} out if my account. When I finally got back into my account chase had to help me change my user name and password. They also had to add my phone number and email back to my account because someone changed it on XX/XX/XXXX. Then XX/XX/XXXX and XXXX several transactions XXXX {$2000.00} out of my account. Their claims department said they couldn't see any changes made. They said if I sent the email confirming it happened they would look at it. So I did. They said their minds were made up they wouldnt change it unless I could come up with a timesheet to say I was at work or in the hospital or something. Which makes no sense. If I would have done it I still couldhave done it at work or in the hospital. They wouldn't talk to me or discuss anything with me. They wouldn't hear what I had to say. Their minds were made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I have some XXXX authorized inquiries 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
Consumer complaint received 2024-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have some un authorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.

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 2024-02-26 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC
State: AR

Complaint narrative:
The account XXXX with original creditor listed as XXXX XXXX was disputed through XXXX and was closed due to meeting FCRA requirements. P & B Capital Group has continued to report this account which resulted in it reopening. The remarks remain the same, it meets FCRA requirements and should be closed and deleted from my report. I have asked for verification of debt owed through email and certified mail and have not received any communication. The inaccuracy was verified through the CRA and this should absolutely be reflected on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
These inquiries are not endorsed by me and are unimportant to my financial activities. I request their brief ejection from 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
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-26 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

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 2024-02-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Within the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized the paramount importance of consumer reporting agencies fulfilling their obligations with fairness, impartiality, and utmost respect for the consumers privacy rights. Recognizing XXXX, XXXX, and XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to protect my private information. This right is bolstered by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  fall within the definition of a financial institution under this statute. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX and XXXX is hereby revoked. Moreover, XXXX XXXX XXXX ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX and XXXX XXXX failed to inform me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reporting services .

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 2024-02-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Within the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized the paramount importance of consumer reporting agencies fulfilling their obligations with fairness, impartiality, and utmost respect for the consumers privacy rights. Recognizing XXXX, XXXX, and XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to protect my private information. This right is bolstered by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX, TD Auto Finance, and XXXX XXXX fall within the definition of a financial institution under this statute. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. XXXX, TD Auto Finance, and XXXX XXXX XXXX, XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX TD Auto Finance, and XXXX XXXX, XXXX, XXXX and XXXX is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX, TD Auto Finance, and XXXX XXXX failed to inform me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX, TD Auto Finance, and XXXX XXXX ' reporting services .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I sold my home and with the proceeds we paid off BOTH of our vehicles. XXXX XXXX sent XXXX checks for the payoff that was provided by Ally. Ally would not provide an over night per XXXX XXXX so they had to send the checks to a XXXX XXXX XXXX XX/XX/XXXX signed the addendum for the amounts provided for payoff by Ally with XXXX XXXX. 
XXXX XXXX sent XXXX checks XXXX for a XXXX XXXX and another for a XXXX XXXX. Dated XX/XX/year>. XXXX of the XXXX checks were cashed in the amount of XXXX and applied to the XXXX XXXX Which now states closed. 
XXXX my husband and I recognized a payment being deducted from our personal checking account in the amount of XXXX $ for the XXXX XXXX. Leading us to call XXXX XXXX. XXXX XXXX states Ally did not cash the check they just XXXX of the XXXX. XXXX cancelled the XX/XX/XXXX check and reapplied a new check with a new payoff provided by Ally in the amount of XXXX on XX/XX/year>. 
XXXX XXXX emailed me a copy of a cashed check by Ally on XX/XX/year>. 
As of today Ally is attempting to take a XXXX laymens out of my personal checking account. When calling the number provided by Ally for auto customer service and requesting to speak to higher up a senior analysis states, my account is open with the XXXX ram and no check has been received. 
XXXX XXXX provided me with images of XXXX cashed checks. 
XXXX XXXX furious with no conclusion and several thousands of dollars in spoken for for my account. XXXX XXXX states I need to speak to Ally. Ally tells me to speak to who wrote the check ( XXXX title ). 
I have stopped payment on the XXXX payment. Daily interest, a payment, a possible late fees all this can be accrued because someone is NOT DOING THEIR JOB. 
I have called XXXX a week to both companies to follow up and no information has changed other than attitudes.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
per complaint # XXXX First of all i emailed XXXX and called her multiple times back in XXXX and never got a reply. so i had to make a XXXX complaint with cfbp about that and then XXXX finally gave a solution for the prepaid edd card. but i also included a issue regarding the regular checking account being closed wrongfully. and then she got me in touch with someone named " XXXX '' and he was very rude, talked over me, and lied. XXXX said '' i can send the reviewal for overturn of the decision not to open your account again '' so when I asked him you said again so please tell me when was the first time this reviewal of the decision was done? '' And XXXX replied " I didn't say that '' then he kept talking over me and was very rude and hung up the call on me.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation