vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company response has been non-responsive. Pretending no errors were made and covering up their culpability. Banks must not be allowed to quit all their service obligations and subsequently double-charge annual service fees as their tithing rights over hapless consumers. Banks and lenders must be required to provide accurate monthly statements, reverse obvious errors and dis-allowed from padding loan principal amounts from mysterious fund sources ( not ours ) to game up the daily interest accrual. They absolutely can not be allowed to charge two annual fees the same year. That violates the written loan agreement and appears to be a criminal 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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
The Avant Mastercard has, since XX/XX/XXXX, been facilitating unauthorized charges on my account. After patiently awaiting a resolution for several months, I initiated contact regarding one of the listed charges using the provided phone number on my statement, as I did not authorize any of these charges. During this communication, I spoke with a person identified as " XXXX XXXX, '' who claimed to be the manager of the Fraud Department at a company called Factory Gadgets Direct. This company initiated a subscription resulting in charges processed under various names, including XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

In a respectful manner, I requested that XXXX XXXX reverse these charges on her end and cease further charges to my account. However, she outright refused. XXXX asserted that she had evidence supporting my involvement in these charges. When I requested a copy of this evidence to be emailed to me, she mysteriously claimed not to have my email. Despite providing my email address during the conversation, I never received any documentation. Despite diligent checking, including my spam folder, no such documentation was sent. This situation strongly suggests the dubious nature of the operation, and subsequent attempts to contact the provided phone numbers proved unsuccessful. 

Compounding the issue, after a year-long purported investigation, Avant sent a letter asserting the validity of the charges and indicated their intention to continue processing charges from the various businesses associated with " XXXXXXXX XXXX XXXXXXXX. '' I urgently seek assistance to compel Avant to close my account to halt the ongoing fraud. Should this not be addressed promptly, legal action against Avant may become necessary. Despite my repeated requests, Avant has disregarded my plea to provide evidence supporting the purported charges. 

It is noteworthy that I encountered similar instances of fraud with other XXXX accounts associated with XXXX XXXX and XXXX XXXX XXXX XXXX. In both cases, those companies promptly closed the affected accounts, reversed the charges, and addressed any associated fees related to the fraudulent activities. In stark contrast, Avant has thus far refused to take similar corrective actions. 

This identity theft incident has been a nightmare overall. Additionally, I was alerted to another data breach incident at the XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, where my personal information in my XXXX  record was accessed due to a DOE employee 's mistake. As compensation, the XXXX XXXX XXXX XXXX provided me with 2 years of free credit monitoring and identity theft monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
on XX/XX/XXXX at XXXX while i was eating at a restaurant there were 5 transactions from a website by the name of XXXX totaling the amount of {$960.00}. I have used this site in the past for 1 transaction but after that never again. I have contacted chime support over and over with disputes and rebuttals with no help from them. I have submitted transaction proof that i was at a restaurant when these transactions took place along with conversations from the merchant stating that my account was banned due to suspicious activity. Please I just want my money back I have been without almost {$1000.00} for a month. Please help thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CA

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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, account XXXX XXXX ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( XXXX, EXPERIAN XXXX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as XXXXEXPERIAN, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, XXXXEXPERIAN has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.

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 2023-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2022. I placed an order for clothing and over 1 year later I have not received my items. I filed several complaints with cash app and was ignored. I provided proof of my purchase and email communications with the seller to cash app which provided information showing I never received my items. Cash App refused to acknowledge the emails from the seller stating my items had not shipped, even after 50+ days. It was only after filing a complaint with the XXXX that I was able to get my refund back from cash app. Unbeknownst to me, they also decided to close my account because of the complaint. I had funds as well as stocks. Today, I woke up to an email stating my stocks have all been soldwithout my knowledge and consent. I am completely horrified that an institution who holds my funds is allowed to act in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/2023 I was charged {$2200.00} on My Apple card. This was a charge from XXXX XXXX. XXXX did a pre authorization for every charge that totals this amount but instead of charging each amount of the pre authorization they left them intact and charged the total at the end. Goldman Sachs has a hold for all of these charges and will not release them without something fro XXXX. I am essentially being charged twice by XXXX but Goldman will not help with this matter. Charges that were set up on autopay from other companies have been declined due to this hold which has resulted in additional charges from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: NY

Complaint narrative:
Forced into putting down payment withholding of information changing the format of the original contract, selling my contract Not accepting bill of exchange

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 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent and instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an opened and consumer credit plan as late for any purpose.

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 2023-12-18 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: IL

Complaint narrative:
Take note of the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently punctual with payments, yet they are being inaccurately reported as late.

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 2023-12-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I reached out to Navient about a status change on my credit report which shows student loans have been written off. I spoke with the Navient representative XXXX on XX/XX/2023 around XXXX and requested info about the write off status and he confirmed that the loans were written off and went into collection with a law firm that serves as a collection agency named XXXX XXXX XXXX I requested the bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. I am currently awaiting this information. 

I am now requesting via the CFPB that Navient provide the following : bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. 

This is not a request for validation of debt or any alleged debt but rather proving where you got my information and what you believe entitles you to collect any debt or alleged debt from me. I am not asking for verification of debt, statements, or any account information. Navient is not to communicate with me directly nor indirectly with the attempt to collect any debt or alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Complaint against LVNV Funding LLC for failure to verify debt and improper credit reporting I am writing to file a formal complaint against LVNV Funding LLC for its refusal to verify a debt and its unjustified reporting to credit bureaus. The actions of this debt collection company not only violate my rights as a consumer but also demonstrate a disregard for fair debt collection practices and responsible reporting. I kindly request your intervention in this matter to ensure that appropriate action is taken against the company. 
On XX/XX/2023, I received a collection notice from LVNV Funding LLC, claiming that I owe a debt to XXXX  XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested verification of the debt and provided the necessary information to LVNV Funding LLC. However, despite multiple attempts, the company has failed to provide any substantial evidence validating the debt in question. 
Furthermore, despite the lack of verification, LVNV Funding LLC has continued its reporting of this debt to the credit bureaus, resulting in negative marks on my credit report. This unwarranted reporting not only damages my creditworthiness but also violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and substantiated reporting of consumer debts. 
The actions of LVNV Funding LLC have caused significant distress and financial harm. I believe their behavior is not only in violation of the FDCPA and FCRA but also indicative of a systemic problem within their debt collection practices. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. 
I respectfully ask that the following actions be taken : Conduct a comprehensive investigation into the debt collection practices of LVNV Funding LLC to ensure compliance with the FDCPA. 
Require LVNV Funding LLC to provide valid and substantiated verification of the debt in question. 
Instruct LVNV Funding LLC to immediately cease all reporting of this debt to credit bureaus until the verification process is completed. 
Impose appropriate penalties and sanctions against LVNV Funding LLC if found guilty of violating consumer protection laws. 
Enclosed with this letter, please find copies of all relevant documents, including the collection notice, my verification requests, and any correspondence I have received from LVNV Funding LLC. 
I appreciate your attention to this matter and your efforts in protecting consumer rights. I look forward to a prompt resolution of this complaint and your assistance in holding LVNV Funding LLC accountable for their improper debt collection practices and unjust credit reporting. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-12-18 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see the attached documents. I urge the bureau to commence an investigation into these accounts, as I am never late with payments, despite their current late reporting.

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