vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri Laws Dear WAYPOINT, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws related to identity theft and credit reporting.

It has unequivocally come to my attention that WAYPOINT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri law, specifically Sections 570.223 and 407.020 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and outlines the protections against identity theft and fraudulent activities. Section 570.223 addresses the unlawful use of personal identifying information, highlighting the severity of unauthorized access and misuse of personal information, while Section 407.020 establishes clear guidelines for fair business practices, including consumer credit reporting.

I assert with unwavering certainty that I have not provided consent for WAYPOINT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WAYPOINT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 407.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WAYPOINT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I tried to log into my Novo.co business checking account and the 2-factor authentication via text message as it was supposed to. I tried several times but the text message with the code never arrived. I reached out to Novo and I began a back-and-forth of several email messages with Customer Support. I tried all the things they suggested and nothing worked. A few times they went as far as to say the issue was fixed and I should try to log in. When I did, the XXXX authentication code still failed to arrive. This has been going on for 10 days and I still do not have access to my account. They repeatedly have failed to fix the problem and my funds are not accessible. I asked them to close my account and transfer the balance to a new checking account at another bank and they said I was the only one who could do this by accessing my account and moving the money myself! But I can't access my account! So I'm locked out of my account, I have bills to pay, and they continue to say it will be fixed " today '' but it never is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
Dear CFPB, I am writing to file a complaint against American Express regarding the denial of my credit card application. I applied for an American Express credit card on XX/XX/year>, and my application was subsequently denied. However, I was not provided with a clear or specific reason for this denial. 

According to the Equal Credit Opportunity Act ( ECOA ), I understand that I am entitled to receive a notice detailing the specific reasons for the denial of my credit application. Unfortunately, the communication from American Express lacked this necessary information, leaving me without an understanding of why my application was rejected. 

I have reviewed my credit report and found no significant issues that would justify the denial. Furthermore, I attempted to contact American Express customer service to gain more insight, but I was unable to obtain a satisfactory explanation. 

I am requesting the CFPB 's assistance in resolving this matter. I would like American Express to provide a clear and specific reason for the denial of my credit card application, as required by law. Additionally, if the denial was based on incorrect or incomplete information, I would like the opportunity to correct any inaccuracies and have my application reconsidered. 

Enclosed with this letter, I am providing copies of the correspondence I received from American Express and a copy of my credit report for your reference. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-05-31 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri XXXX Dear SANTANDER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant identity fraud laws of XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that SANTANDER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri statutes also establish clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws in Missouri underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
New married name : XXXX XXXX XXXX ( formerly XXXX ) My loans are due the XXXX of each month. I generally send a paper check but on XX/XX/XXXX for that month, I had a phone transaction go through and hung up. TWO weeks later, MOHELA ( yes, them ) said that my phone payment didn't go through and that I was LATE. So I sent them a paper check # XXXX which they cashed on XX/XX/XXXX. XXXX payment : I sent in mail check on XX/XX/XXXX; they cashed that check on XX/XX/XXXX but are now STILL telling me they DIDNT GET IT. Even though they cashed it. I was asked to send bank documentation but THATS NOT MY JOB ( although I did request copy of canceled check from XXXX XXXX XXXX XXXX XXXX- which should not happen ). They keep saying I'm late to pay ( IM NEVER EVER LATE ON STUDent LOAN PAYMENTS! ) and as an XXXX person, Its really getting my down to the point that I want to hire a lawyer. GET THEM OFF ME! I can not imagine Mohela getting any worse with their egregious abuse of power and trust regarding student loans. Their incompetence and blame shifting has reached a new high.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. Ive reported the theft of my identity to the Federal Trade Commission and Ive also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am unable to qualify for a mortgage loan. Thank you!

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 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX I received a forwarded email from a relative. The email was sent to my aunts personal email address. The contents of the email were specifically addressed to me and was an attempt to collect a debt from XXXX XXXXXXXX XXXX  The debt collector was Halsted Financial Services working on behalf of XXXX XXXX XXXX and included information about the alleged last time I paid a payment on the closed account ( {$30.00} on XX/XX/XXXX ). The email also included my name, last 4 digits of my account number and the total balance that was past due {$630.00}. The email also stated that my account was in pre legal status and would be potentially referred to a law firm in my state. 
I have never used the relative that this email was originally sent to on any type of credit application as a co-applicant or reference. I have also never given any credit card company or debt collector permission to contact any third parties or relatives regarding any alleged debt owed as it violates the rights listed in the FDCPA. I plan to seek legal action but wanted to start here first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : N/A I dont have a employer I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-05-30 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: Self Financial Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear SELF/XXXX, I am writing to address the unauthorized reporting of information to my credit report, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws as per Missouri statutes, including Sections 570.223 and 407.020 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that SELF/XXXX  has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Specifically, Section 570.223 of the Missouri Revised Statutes outlines the unlawful use of personal information, which includes unauthorized access and reporting of credit information. Section 407.020 of the Missouri Revised Statutes further prohibits deceptive and unfair practices in trade and commerce, which encompass unauthorized credit reporting activities. 

I assert with unwavering certainty that I have not provided consent for SELF/XXXX  to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand that SELF/XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 407.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF/XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation