vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: MD

Complaint narrative:
I asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: SC

Complaint narrative:
I've recently discovered that when i pulled my credit report on my XXXX report had 2 accounts with kickoff and with 2 different account numbers XXXX and XXXX is the other account number both are showing up on my credit report I've contacted kickoff several times and there has been no resolution this situation this has been a totally hassle and a inconvenience of my time. Since the last time of contacting kickoff, they have they move the open kickoff account to closed statics along with the fraudulent kickoff account I verbally saying it and contacting y'all once again in writing to get some type of resolution this ridiculous BOTH ACCOUNTS ARE FRAUDULENT NOT 1 BUT BOTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: 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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/SAMS XXXX XXXX XXXX XXXX SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CARECR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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. 

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: 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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/SAMS XXXX XXXX XXXX XXXX SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CARECR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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. 

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: AL

Complaint narrative:
This CFPB Complaint is in Reference to Discover Bank, Account Number XXXX XXXX XXXX XXXX Disputed balance - {$1500.00} reported balance First I wanted to Say My name Is XXXX XXXX, & I am a XXXX XXXXr with Discover Bank. On the Date of This account was closed on XX/XX/year>. I wanted to expressly concern that this account is charged off which means anything considered charged off is considered " Income ''. If every Debt is considered income because it's considered a " Securitie '' Per the securities and Exchange commission. Per the " IRS Publication '' it states that all " ALL '' charge-offs are considered income, So how can Income be reported to my Credit Report.

Further more I wanted to express that 15 usc 1666 ( B ) - Timing of payment subsection ( A ) A creditor may not treat a payment on a credit ( CHARGE ) card account under an open end consumer credit plan as " late '' for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the informationis mailed or delivered to the consumer not later than 21 days before the payment due date.. ( Discover Bank ) are listing my payments as late under a open ended consumer credit plan ) - which is also against the law. Which means I have A charge card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER CHARGE CARD CREDIT PLAN, Discover Bank are also In violation.

Moving On to the Next Facts states : 15 U.S. Code 1666 ( D ) - " Treatment of credit balances '' - Whenever a credit balance in excess of {$1.00} is created in connection with a " consumer '' credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A- credit the amount of the credit balance to the consumers account ; B- refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C- make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 


I Consider All of the Raised Concerns about the Amount in Question In this Matter and Looking Forward to resolving this Issue in a timely and Precise Manner. Please Consider This complaint as a Formal dispute under the Provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: MD

Complaint narrative:
XXXX XXXX bought an old dabt then filed suit. 

XXXX lost the suite and was ordered to remove this collection and have not done anything. 

I filed a online dispute on XX/XX/year> and I was told it would be fixed or removed and it is still just sitting on my report. 

I demand that it be removed 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 2024-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I received two text messages from IC System Debt Collector on XX/XX/2024 claiming that I owed money to XXXX Mobility and that I could pay the XXXX  % to settle this debt. When I called the number they provided, they could not provide any information about the debt, where it came from, the amount, what the nature of the debt was ( past due bill, unreturned equipment, etc. ). When I checked my collections on my credit report, no such debt existed. Additionally, I have not done any business with XXXX for many years and have never received any notice from them that an amount was owed. This is the second time within a year that I have been contacted about this debt that I supposedly owe. I believe they are operating off of some kind of bad 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 explanation
Consumer complaint received 2024-06-23 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX and credit 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 2024-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was a victim of scam by someone named XXXX XXXX with a company named XXXX. On XX/XX/year> she told me on XXXX that she was an agent investor and that if I invested {$200.00}, I would receive {$4100.00}. I sent the money through CashApp which was linked to my debit card. I created a CashApp account this day to send and receive the money. I was then told there was an issue and that I needed to send an additional {$150.00} and that the price I would receive would be {$6700.00}. In total I sent {$350.00} to this person and was then demanded to send another {$1100.00} which I did not do. I paid twice for services I never received. After figuring out that it was scam, I didnt know if they could somehow get the information to my debit card through my account, so I deleted the CashApp account. I contacted XXXX XXXX  on XX/XX/year> about this and a claim was opened and the transaction was reversed on that day, and that reversal was reversed again on XX/XX/year> because the charges were technically authorized and because they can not do anything regarding CashApp. I was then told to contact CashApp directly because they would be able to help, which I did twice today on XX/XX/year>. The first advocate that I spoke to told me that the CashApp account I had used for those transactions was not verified so she could not find it, but to create a new account today, have it verified, and contact CashApp again so they could investigate this situation. I did so, and the second time I contacted CashApp after creating this new account, the advocate told me that because the charges were authorized there is nothing they can do and also because the account was closed. I was told to directly contact the merchant who scammed me. XXXX XXXX  and myself have contacted the merchant and they have refused to refund me the money. I understand that the charges were authorized, but I never received any of the services I was promised, and I dont understand why no one can understand the situation I am currently in. I lost {$350.00} to scam, and of course the merchant will refuse to provide a refund or deny scamming me. Please help me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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 under 15 USC 1681. 

1. professional debt me # XXXX XXXX. # XXXX XXXX. # XXXX XXXX american credit acce # XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, TransUnion and XXXX are reporting myXX/XX/XXXX XXXX account that was opened XX/XX/year> as NEGATIVE, CHARGE OFF. This account is POSITIVE, CLOSED, PAID AS AGREED. XX/XX/XXXXXXXX has reached out to me and the bureaus to remove the negative charge off but all XXXX continue to report negatively. XX/XX/XXXXXXXX XXXX has sent documentation to all bureaus. 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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Equifax are reporting my BANK XXXX XXXX account that was opened XX/XX/year> as NEGATIVE, CHARGE OFF. This account is POSITIVE, CLOSED, PAID AS AGREED.XX/XX/XXXXXXXX XXXX has reached out to me and the bureaus to remove the negative charge off but all XXXX continue to report negatively. XX/XX/XXXXXXXX XXXX has sent documentation to all bureaus. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX and XXXX are reporting my BANK XXXX XXXX account that was opened XX/XX/2016 as NEGATIVE, CHARGE OFF. This account is POSITIVE, CLOSED, PAID AS AGREED. XX/XX/XXXXXXXX XXXX has reached out to me and the bureaus to remove the negative charge off but all XXXX continue to report negatively. XX/XX/XXXXXXXX has sent documentation to all bureaus. Case 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 explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Today I was offered a car purchase opportunity. After pre qualifying I was asked to give {$26000.00} as a down-payment. I immediately knew that was illegal per 15 USC 1605 as cash should not be involved where a finance charge is. In addition I'm quite sure that is not an universal advertising price to most customers far as down-payment so it also violates 15 USC 1662 . Not to mention when i asked about the issuance of the Purchase Money Loan per 16 CFR 433.1 the Agent acted as if she was completely unaware of what i was mentioning. In addition the issuance of my consumer financial information on the application and no benefit provided by the company directly violates TILA being an Unauthorized Use. The Agent also confirmed they don't and are not able to adjust contracts making it impossible for a consumer/investor to invoke rights or even not agree with certain terms within the contract. It's almost like they force you to abandon your rights as a consumer and investor. In addition I requested the Prospectus better known as 424b which is their security exchange agreement with the SEC and was denied this information as well. This company truly has some very shady practices that need light shined upon them. Up to this point they have violated my rights as a consumer and an investor which has triggered a report to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: GA

Complaint narrative:
in accordance with the fair credit reporting Act this accoint SELF account number # XXXX is still reporting on my credit this account has violated my rights to privacy 15 U.S.C. 1681 section 604 A sections 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. please delete the account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX  : ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX  : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX 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.

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Company response to consumer: Closed with non-monetary relief