vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

XXXX investigations results status remains as verified after XXXX reinvestigations. 
TransUnion credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of TransUnion and XXXX credit report that contains the investigation results. XXXX and TransUnion still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ) Account : XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : 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 2024-03-16 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: NJ

Complaint narrative:
XX/XX/2024 I sent transu union a letter stating there company was in violation according to 15 usc S1681b

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 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This is my last warning to this company before I proceed with litigation. I had requested that midland credit management cease all communications as described in the Fair Debt Collection Practices Act. To date they are still communicating with me. In my last complaint, they stated that they are allowed to report to consumer reporting agencies and that the term communication only refers to direct communication. However this completely goes against the procedures that were clearly defined in the FDCPA which defines the word communication as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. Consumer reporting is an indirect medium that this agency has chosen to continue to communicate a debt. This clearly violates my cease and desist request. As mentioned previously, this is my last warning before I proceed with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I ordered a candle and sweater total of {$7.00}. I was waiting for the XXXX bill from the company because I was not sure of the exact amount owed. I had a {$0.00} Credit balance prior to this purchase. I had not received a bill from the credit card since XX/XX/XXXX. I did not receive emails from the credit card company. I also had an excellent credit score! I did not receive any communication from the company until XX/XX/XXXX, when I received 2 letters from the credit card company about 2 other accounts ( different stores ) that my credit limit was being lowered. I checked my credit report and saw that the account from the problem store was delinquent, and I owed {$34.00} due to late fees. This lowered my credit score to very good. I called the company and spoke to person that was able to remove the biggest fee, which let a balance of {$17.00}. I paid this fee over the phone. I was told to call the credit bureau in regard to my change in credit. I spoke to a person at the credit bureau and was told that I would need to talk to someone at the credit card company and have them remove the delinquent payment and notify the credit bureau. I called the company back and asked to speak to a supervisor or manager, I was told that there was no one on site to speak to. I was told to send a letter with my Social Security number, Date of Birth, name, address and account number to an address in Ohio. I did not send this letter due to concerns about identity theft! ny.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 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: Nelnet, Inc.
State: FL

Complaint narrative:
Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by XXXX writing to report serious privacy violations and inaccurate credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) regarding my student loan account. The issues began when the servicer was changed from NELNET to XXXX, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that XXXX had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent. 

Furthermore, despite regulatory requirements, XXXX has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about XXXX 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by XXXX. 
XXXX : Contacted XXXX to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by XXXXXXXX XXXX erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and XXXX 's inaccurate credit reporting continues to negatively impact my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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:
Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by XXXX writing to report serious privacy violations and inaccurate credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) regarding my student loan account. The issues began when the servicer was changed from XXXX to XXXX, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that XXXX had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent. 

Furthermore, despite regulatory requirements, XXXX has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about XXXX 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by XXXX. 
XXXX : Contacted XXXX to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by XXXX XXXX erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and XXXXXXXX XXXX  inaccurate credit reporting continues to negatively impact my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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:
Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by XXXX writing to report serious privacy violations and inaccurate credit reporting by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) regarding my student loan account. The issues began when the servicer was changed from XXXX to XXXX, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that XXXX had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent. 

Furthermore, despite regulatory requirements, XXXX has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about XXXX 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by XXXX. 
XXXX : Contacted XXXX to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by XXXXXXXX XXXX erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and XXXXXXXX XXXX inaccurate credit reporting continues to negatively impact my creditworthiness.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have this XXXX XXXX HARD INQUIRY removed from my credit report 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 explanation
Consumer complaint received 2024-03-16 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: OH

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 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 2024-03-16 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: NJ

Complaint narrative:
On XX/XX/XXXX I was contacted by someone, unbeknownst to me at the time, that was impersonating Chase and called from a spoofed Chase number. They explained they were calling about a debit charge in the amount of {$96.00} made in Utah. I saw the charge on my account and confirmed this was fraudulent. They went on to explain that someone had also attempted to make 4 different wire transfers to 4 different XXXX XXXX accounts, 3 of which went through. I confirmed that was also not me and they proceeded to walk me through the process of stopping the wires, when in actuality they were authorizing them. Two wires in the amount of $ XXXX and $ XXXX were sent out on XX/XX/XXXX and a third in the amount of $ XXXX went out on XXXX. On XXXX, I realized I had been speaking to people impersonating Chase and immediately went to a branch to have the account closed and the funds recalled. The Chase claims department is implying that authorized and/or received benefit from the wires, which is inaccurate. As Chase is aware, the transactions were fraudulent and we acted with urgency to alert Chase to the matter and their failure to act quickly to precent further fraudulent activity further contributed to the losses. In addition, it is over 2 weeks since the fraudulent transactions have occurred and Chase has failed to provide updated status of recalled transactions. In addition, the Chase claims team and wire transfer teams have provided conflicting updates during my daily calls. Just yesterday, I received an update on one of the fraudulent wire transfers for $ XXXX that was posted to my replacement account despite my repeated requests to halt the transaction that was originated on the original, now restricted account. I have also been advised several times that a Hold Harmless letter was required by the beneficiary bank XXXX XXXX to return the funds to my account which Chase has failed to act upon. I have been told by Chase claims supervisor that the letter is standard and that they were not sure why it wasnt sent. As of today, XX/XX/XXXX, there is still no update on 2 wires totaling $ XXXX. This is extremely disappointing and is further evidence of Chase negligence that contributed to any losses I may incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: DISCOVER BANK
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to file a formal dispute regarding a hard inquiry listed on my credit report that I do not recognize and believe to be unauthorized. The inquiry in question was conducted on XX/XX/2023, by XXXX. However, I have no recollection or record of initiating such an inquiry, nor have I authorized anyone to do so on my behalf. 

This unauthorized hard inquiry has adversely affected my credit score, and I am deeply concerned about the potential implications it may have on my financial well-being. As a responsible consumer, I diligently monitor my credit activity, and this discrepancy has raised significant alarm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary actions to rectify the situation. Specifically, I ask that the unauthorized hard inquiry by XXXX  be removed from my credit report as soon as possible to alleviate the negative impact it has had on my credit score.

I understand the importance of maintaining accurate credit information, and I assure you that I have not engaged in any activity that would warrant such an inquiry. Therefore, I implore the bureau to assist me in resolving this issue expediently. 

Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I eagerly await your prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: OK

Complaint narrative:
To Whom It May Concern, I am writing to file a formal dispute regarding a hard inquiry listed on my credit report that I do not recognize and believe to be unauthorized. The inquiry in question was conducted on XX/XX/2023, by XXXX. However, I have no recollection or record of initiating such an inquiry, nor have I authorized anyone to do so on my behalf. 

This unauthorized hard inquiry has adversely affected my credit score, and I am deeply concerned about the potential implications it may have on my financial well-being. As a responsible consumer, I diligently monitor my credit activity, and this discrepancy has raised significant alarm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary actions to rectify the situation. Specifically, I ask that the unauthorized hard inquiry by XXXX be removed from my credit report as soon as possible to alleviate the negative impact it has had on my credit score.

I understand the importance of maintaining accurate credit information, and I assure you that I have not engaged in any activity that would warrant such an inquiry. Therefore, I implore the bureau to assist me in resolving this issue expediently. 

Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I eagerly await your prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have this XXXX XXXX HARD INQUIRY removed from my credit report 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 2024-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had to cancel my bank debit card and add a new one. At one point it accepted my card but when I tried to transfer money it gave me an error. Then I tried to add a cash app debit card and I actually made some transactions. Then when I tried to add my bank debit card again it said I was trying to add too many cards at once. I tried adding cash app again and it said they didnt support that card. Even though I had used it there before. The same thing happened to my PayPal card. I ended up using bank transfer. And it took a really long time. They told me it could take up to 5 business days. I am still unable to add my new bank debit card with an error saying I was trying to add too many cards at this time. There is also a business account that I dont recall signing up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: OH

Complaint narrative:
WC Koalafi {$710.00} XX/XX/2022 Fraudulent activity Debt on credit report is not my debt with collection agency. No collection contract between said agency. No original contract has been provided. I am disputing this debt, revoking all harassing calls text email that may result in contacting CFPB reporting violations by said company. Requesting validation, also purchase agreement. Furthermore WC Koalafi is in violation of consumer laws 12CFR1006.34 ( b ) ( 5 ) 12CFR1006.34 ( c ) ( 4 ) ( i ) 12CFR1006 ( d ) 15USC1681-S2 ( 7 ) ( a )

Company response to consumer: Closed with explanation