vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just checked and reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: VA

Complaint narrative:
Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since the FEDS INCREASED THE INTEREST RATES, I can no longer pay my credit cards! up until recently, all of my payments just doubled and high fees were added on causing a mess in my finances and ruining my credit! which I know a majority of people are in the same situation... I'm now reported to the credit bureaus for missed payments, non payments etc.. the fees added on are absurd ranging from XXXX - XXXX dollars on top of the min. payment that is due and the high interest rates... I have spoken to several of my credit card companies to work things out... XXXX is one of the cards- which did work out a program for me that makes it more manageable to pay for the next year, with a low payment and interest rate .. however, that will change in one year from now, as the rate will increase again .. Capital one/ Walmart has increased dramatically! Walmart- charges 30 percent interest when you use their card, which adds another XXXX - XXXX dollars to a purchase, for example gas of XXXX dollars- they add another XXXX bucks to that! all in interest rates... Capital One- just doubled my payments, which includes XXXX - XXXX dollars fees on top of it, especially if I go past their cutoff hour for payment due... In the past they have adjusted that, when I asked.. but they now say they can't do it anymore .. causing my min. payments due to triple! which they just reported it to the bureaus - ruining my good credit!.. XXXX XXXX- I have XXXX cards with them which I was paying down the balances and was manageable, until recently when the interest increased! and their late fees of XXXX bucks for each card! my payments doubled and now I cant pay them... XXXX XXXX did work out a better interest rate with me when I asked for one of the cards, due to having good standing with them - however, the min. due doubled.. I can't manage the payments now ... both cards.. I use these cards for necessities, not luxury... I maintained and built my credit up to a good score, after XXXX financial crash... I feel we are now going back to the era... I read that the President of the US is lowering fees to XXXX  dollars for late fees, when is that happening??? At this point, I can no longer manage these cards all due to the feds increasing the rates .. Bankruptcy is not an option.. I feel the feds should be held responsible for this and help the average consumer figure a way to fix this mess!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: LEXISNEXIS
State: VA

Complaint narrative:
LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX Report # XXXX ; XXXX XXXX ; Phone : ( XXXX ) XXXX XXXX Hello this is XXXX and XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

On XX/XX/24 at XXXX am my wife shows me an email of a XXXX transaction she was not aware of. Therefore, she calls the number of the phone and contacts what she believes is a XXXX representative. She then hands the phone over to me. Shortly after I was informed that a chase bank rep will be calling me. I received a call from ( XXXX ) XXXX XXXX stating they are a Chase Bank representative. I was informed shortly after of a pending withdrawal from my account in the amount of {$14000.00} for BIT coin purchase. Not familiar with BIT coin regardless I was informed that the withdrawal is pending. Last I was informed by the claimed chase bank representative that the bank can recover some of the funds by capturing it on form of a gift card by either XXXX gift cards or XXXX gift cards only. Loss of {$4600.00} from my checking account on XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
This company : Ginny 's XXXX XXXX XXXX. 
XXXX, WI XXXX has been calling us for years, asking for XXXX XXXX XXXX I've told their representatives, including supervisors, that no XXXX XXXX lives here or has lived here for over 20 years. They have promised to stop calling, but the calls continue. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Date XX/XX/year> LVNV FUNDING LLC Address Line XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : List Account Number XXXX I am sending this letter in response to an EMAIL you sent me on XX/XX/year>. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of XXXX  days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
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 XXXX 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 2024-05-08 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: TN

Complaint narrative:
I contacted Experian and requested a credit report. While looking over that credit report I noticed some Hard Inquiries. Some have permissible purpose, some do not. According to 15 USC 1681B if these do not have permissible purpose they shouldn't be on my credit report. Please remove the following Hard Inquiries listed on my credit report that do not have permissible purpose. 

- XXXX XXXX XXXX XXXX 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I filed my tax return with XXXX and got an offer to get my tax refund sooner if I deposit into their other company of Credit Karma. I took it and let them do their work. 
Yesterday, which was XX/XX/XXXX I got my tax refund deposited into my account with Credit Karma which is more than XXXX weeks after my tax received date. When I checked on my IRS account, the money was transferred on the same date yesterday too, so that means nothing sooner as they have advertised. 

On the other hand, the reason I am filing my complain today is because of their annoyed policies of transferring our money out of the account at a rate of $ XXXX without any option to raise our limit ; in which I believe I have never seen the information when I chose their service. 
That means when I have a couple XXXX tax refund, now I am stuck with them to transfer every XXXX dollar out of it, everyday, until I got them transferred out. Otherwise I have to pay them XXXX % fees to transfer up to $ XXXX for my tax refund. It is such the most annoying thing ever, given their advertisement of getting our tax refund faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended XXXX XXXX ( XXXX  ) from XXXX, in which i had to take out federal loans with Sallie Mae at the time now Navient. The school used deceptive means to obtain them. They promised a XXXX a year job once i graduated, and free refresher courses after you graduation. XXXX XXXX ended up going bankrupt and closing down leaving me on the hook to pay back deceptive student loans. My student advisors at the time XXXX XXXX and XXXX ( last name unknown ) told me i had to take out private loans to help pay for books and supplies needed for the semester, they did not disclose the high interest rates associated with this. 



I applied for borrowers defense in which XXXX years later i got approved for a discharge on my federal loans. Even though the private loans are fraudulent, i still have paid them since XXXX  to avoid my credit being ruined. Navient/Sallie Mae have caused financial and emotional hardship in my life, i put off going for a XXXX XXXX, put off medical procedures, buying a house, having children all because of all of the money i have been paying since XXXX. 


I would really like for my fraudulent/ deceptive private loans to be discharged and the money i have paid since XXXX  to be refunded to me so i can finally be debt free and have a normal stress free life. I filed XXXX and my federal loans were discharged under the XXXX XXXX XXXX XXXX discharge case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
In 2017 I set up a monthly payment plan with this company on a revolving credit line to pay it back, with the stipulation they would close the card and account that day and I would just pay back what was pending on the account. I have been paying the amount they set up for me since then with an automatic payment. The ordinal credit line was XXXX and I currently still have a balance of {$4200.00} as of this filing. I can not access all statements to find the total of what I have paid or when I started paying. At this point I have paid well over the {$5500.00} and more. I was under the impression back in 2017 that paying the minimum would pay down the total and that interest was voided and no longer being charged because they took access away from me for a revolving line of credit and " closed '' the account. I believe I have been subjected to unfair business practices. I have not received a new card for this account in years, as I have no access to the revolving line but it is still an active account. I have paid back what I owed and would like this removed. I blindly paid this every month because of the conversation I had back in 2017 that this amount autopaid would resolve the debit.

Company response to consumer: Closed with explanation