vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
XXXX XXXX Bank to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a XXXX a cancellation of debt irs form XXXX due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. 
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 

Violating the privacy act of 1974!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Date : XX/XX/2023 Complaint against Western union USA I am the plaintiff XXXX XXXX XXXX XXXX, I live in XXXX The facts : I You have applied for a loan from an institution XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX After approval was completed, they sent it via Western Union and I paid the required expenses to complete the transfer, but Western Union sent an invalid code and said that I must pay another {$300.00} in order for them to send me the loan amount. 
Attached is the transfer form Please Help I am Tired For waiting long time for my Money. 

XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: TX

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

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or 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 2023-12-10 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Greetings CFPB! 
This complaint is in regards to Chase Checking Acct. ending in XXXX. 

Chase charged $ 12 monthly fees in XXXX and XXXX when the balance was at {$1500.00} on XXXX XXXX ( per the Bank 's required minimum balance to not have monthly fees ). 

I made an in person deposit specifically to meet the bank 's requirement, asking the teller for the correct amount on XXXX XXXX. XXXX made in that exact amount to arrive at {$1500.00}. 

Yet, Chase subtracted {$12.00} fee on XXXX XXXX and again in XXXX. 

Once I complained they credited back XXXX of these charges. 

I believe I am owed an additional credit of {$12.00} USD. I wrote this to Chase. 

However, I also would like an additional {$12.00} for my time wasted which is not the actual value of my wasted time as a lawyer, however if each time they are assessed micro fines, perhaps this conduct will become less remunerative for Chase. 

Thanks for your assistance. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
There are 2 credit cards companies that were showing on my credit reports. I file a dispute with all three and they investigated and XXXX and XXXX removed them both but XXXX said that it was verified. I received I letter stating it was verified by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I was a victim of identity theft from my ex-husband. He opened several accounts without my knowledge or consent. One of the accounts was a XXXX XXXX, Which Cavalry is the debt buyer or collection for the account. I have filed disputes, written letters including documentation including the affidavit, police reports, other documents to prove this was not my account. I have received a letter stating it was because bills were sent to an address I had and never returned. That DOES NOT validate this is my account! I didnt leave a forwarding address as I explained to the collection agency, I was hid in a domestic violence shelter. Going forward Cavalry is the ONLY account left on my report from this ordeal. They completely have ignored my identity theft. I believe its not only against the FTC, FCRA regulations but its illegal too. Cavalry has sent 2 blanket letters to me they say the same exact thing just different dates. One in XXXX after I asked them to remove this account from my report, then another in XXXX after I asked again for them to remove it. Ive attached them to this complaint. They tell me the account is presently placed with a law firm. Why do they continue adding interest charges to the credit report then or why hasnt the law firm contacted me so I can maybe get them to understand and they might do the legal ethical thing and remove the fraudulent account once and for all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
Contacted XXXX XXXX to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form , due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXXXXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 

Violating the privacy act of 1974!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
Contacted XXXX XXXX to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form XXXX due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 

Violating the privacy act of 1974!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
Contacted XXXX XXXX to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form , due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of 1974! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX credit limit {$700.00} high balance {$1100.00} date opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: V and H Portfolio
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( VANCE & HUFFMAN LLC ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( VANCE & HUFFMAN LLC ) the financial institution and the Consumer reporting agency XXXX does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ( VANCE & HUFFMAN LLC ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( VANCE & HUFFMAN LLC ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation