vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, Experian and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX XXXX XXXX california XXXX XXXX XXXX XXXX, XXXX XXXX Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX  Account Number : 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.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX a wrongful XXXX transaction was made by mistake. It was notified to Discover bank immediately within 10 minutes in the hope that the transaction would not go to the first-time recipient yet. Discover bank 's customer service did not transfer me to their Dispute team and said that they couldn't do anything to help, they did not mention Regulation E to resolve this situation. Until XXXX, after researching by myself, I found out about Regulation E and called back, after I mentioned specialty about Regulation E, they gave me the phone number of their dispute team, but their dispute team is closed 30 minutes ago. I called back to Discover bank dispute team in the morning, they told me to call XXXX. I called XXXX, and a XXXX representative said they can help me but they need Discover bank to work with them since I did the transaction via Discover app, XXXX is unable to reserve the fund because they have no access to Discover bank data. I was stuck in between because Discover and XXXX did not work together to resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 EXETER FINANCE LLC 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
A credit card account was fraudulently opened on XX/XX/2023 in my name through Synchrony Bank /Venmo . After receiving a push notification from Venmo on my cell, I contacted Synchrony Bank/Venmo and

advised them that this account was fraudulently opened. I was advised by the bank 's customer service rep that this account was immediately shut down. The rep indicated that we would receive a letter in 5-10 business days ; and also that the bank would notify the credit bureaus. I would not be responsible for any charges that have processed.

Please also note that I disputed and reported this to the three credit bureaus as a fraudulent act as a result of identity theft.

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 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I had a Bj 's credit card under XXXX XXXX with a balance of approximately {$3000.00}. Around XXXX, I s/w XXXX ( Bj 's # XXXX Ext # XXXX ) who confirmed that my account went into XXXX collections, and he transferred my call to collections. I spoke with XXXX XXXX ( XXXX Collections XXXX # XXXX ) He offered me a settlement proposal of {$2400.00} to resolve the debt. We spoke on their recorded line, and he confirmed multiple times that once I made the payment for that amount that The Bjs account would then have a XXXX  Balance. He also stated I would receive a XXXX  Balance letter in the mail within 12-14 days. He stated that the new Bank ( XXXX XXXX  ) will see a XXXX Balance upon the transition. The cut-off time frame for the bank transition was around XXXX and if a payment was not made with him before that time, he would not be able to resolve my debt. I made the payment of {$2400.00} with my checking account at around XXXX. My confirmation # for my payment is XXXX. 

On or around XX/XX/2023, I contacted XXXXXXXX XXXX again to follow up that I have not received my XXXX Balance letter. I spoke to an agent named XXXX XXXX id # XXXX ) and he transferred me to XXXX ( # XXXX id # XXXX ) to open up a case # XXXX to follow up why I haven't received the letter. 

On XX/XX/2023 @ approximately XXXX, I was contacted by XXXX from XXXX XXXX  collections ( # XXXX id # XXXX ). She stated that I have a Balance due to Bj 's in the amount of {$660.00}. She stated I have 2 choices. To have the amount waived off to XXXX Balance but my Bj 's account would be closed or either Pay the Balance which she can reduce the amount with a small credit ( less than {$100.00} ) and then I would be able to keep my Bj 's account active. I explained to her that I already made a settlement agreement, and I will be disputing the Balance. She advised that If I could provide a XXXX Balance letter it would resolve the matter. 

I have attempted to locate a letter mailed to me from XXXX but I am unable to locate any mail as I filed a claim previously stating that I haven't gotten a letter. I asked to have the call recordings released to verify everything that I am stating in regard to the agreement. I recently called XXXX and spoke with a supervisor named XXXX ( # XXXX id # XXXX ) who leadership advised her to tell me to contact XXXX XXXX in regard to this matter. I keep getting the run around and it's very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: IN

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 XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WORLD FINANCE CORPORAT XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed 2 bankruptices and the accounts associated with them several time over the last few months. However the credit agencies refuse to allow me to keep disputing and comes back verified everytime even though the 3rd party XXXX XXXX does not have this information on their reports which is whom im being told houses and verified this 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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed 2 bankruptices and the accounts associated with them several time over the last few months. However the credit agencies refuse to allow me to keep disputing and comes back verified everytime even though the 3rd party XXXX XXXX does not have this information on their reports which is whom im being told houses and verified this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC
State: NH

Complaint narrative:
I previously took out an educational loan to pay for my college from XXXX XXXX. They are now Launch Servicing LLC. I only have one loan from this lender. Recently, I went to look at my credit score since I am a senior about to graduate. On my credit report, there are two reported duplicate loans from this lender even though I only have one. When I called to inquire about this to the company, they stated that they changed from XXXX XXXX to Launch Servicing LLC and this caused many people to have duplicate loans show up on their reports. One loan is listed under Ascent, one is listed under Launch. They told me that if I filed a dispute with the credit bureau, they would confirm that the dispute is valid and take off the duplicate loan so only one is listed. However, the dispute I filed was denied. I refiled the dispute and called Launch again demanding the duplicate loan to be taken off because it is bringing my credit score down XXXX points. Now I have to wait to see if the second dispute is approved, but overall they have done nothing to help me resolve this issue and because of their mistake, my credit score is lower. I do not recommend taking out a loan from this company, they are very unreliable and won't work with you to resolve issues like this. Attached is the loan payoff letter for the one and only loan I have from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under the open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX I had sent in a complaint on XX/XX/XXXX ( XXXX ) to your office regarding the erroneous information in my Equifax, XXXX, and XXXX in which the 3 bureaus are alleging that the information was obtained from the 3rd party Data Furnisher, XXXX XXXX. 
I also disputed the information with XXXX XXXX the Data Furnisher who sent me a letter stating that in accordance to the Fair Credit Reporting Act ( 15 } 1681 ), XXXX XXXX filed my dispute with the 3 credit bureaus and on XX/XX/XXXX this disputed information was deleted from their records. 
I then reached out to the 3 credit bureaus and asked how the disputed information was verified by XXXX XXXX the 3rd party data furnisher when the information had been deleted from my file. My to have this information corrected by the 3 credit bureaus have been ignored and I have not received an updated response since. Not to mention that XXXX and the XXXX use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident by the way that XXXX sent me a letter on XX/XX/XXXX with the Consumer number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received XXXX letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX XXXXXXXX deleted off my 3 credit reports with Equifax, XXXX, and XXXX. 
This erroneous information has caused me undue hardship financially and slowing up the process of me from getting my security clearance from my employer. This has caused irreparable harm to my credit file and I am requesting that this damaging information gets deleted from my credit files immediately. I am also requesting statutory and punitive damages in the amount of {$3000.00} from all 3 of the credit bureaus Equifax, XXXX, and XXXX for a total of {$9000.00}. This credit reporting system is an unfair system, predatory and life ruining and preventing me from recovering financially from the Covid-19 pandemic. Credit inequality matters. It contributes to the wealth gap. And part of closing that gap is acknowledging and eliminating systems like erroneous reporting of credit information that, intentionally been hindering consumers from becoming financially healthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX I had sent in a complaint on XX/XX/XXXX ( XXXX ) to your office regarding the erroneous information in my XXXX, Experian, and XXXX in which the 3 bureaus are alleging that the information was obtained from the 3rd party Data Furnisher, XXXX XXXX. 
I also disputed the information with XXXX XXXX the Data Furnisher who sent me a letter stating that in accordance to the Fair Credit Reporting Act ( 15 } 1681 ), XXXX XXXX filed my dispute with the 3 credit bureaus and on XX/XX/XXXX this disputed information was deleted from their records. 
I then reached out to the 3 credit bureaus and asked how the disputed information was verified by XXXX XXXX the 3rd party data furnisher when the information had been deleted from my file. My to have this information corrected by the 3 credit bureaus have been ignored and I have not received an updated response since. Not to mention that XXXX and the XXXX use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident by the way that XXXX sent me a letter on XX/XX/XXXX with the Consumer number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received 3 letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX  XXXX deleted off my 3 credit reports with XXXX, Experian, and XXXX. 
This erroneous information has caused me undue hardship financially and slowing up the process of me from getting my security clearance from my employer. This has caused irreparable harm to my credit file and I am requesting that this damaging information gets deleted from my credit files immediately. I am also requesting statutory and punitive damages in the amount of {$3000.00} from all 3 of the credit bureaus XXXX, Experian, and XXXX for a total of {$9000.00}. This credit reporting system is an unfair system, predatory and life ruining and preventing me from recovering financially from the Covid-19 pandemic. Credit inequality matters. It contributes to the wealth gap. And part of closing that gap is acknowledging and eliminating systems like erroneous reporting of credit information that, intentionally been hindering consumers from becoming financially healthy.

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