vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX on My Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> XXXX XXXX XXXX Account # : XXXX Dear Experian, I am writing to dispute a tradeline on my Experian credit report associated with XXXX XXXX XXXX. This letter serves to formally request the removal of this inaccurate information from my report, citing several consumer protection laws. 

Grounds for Dispute : Limited Disclosure of Consumer Reports ( 15 U.S.C. 1681b ( 1 ) & ( 2 ) ) : The Fair Credit Reporting Act ( FCRA ) strictly regulates the circumstances under which consumer reporting agencies, like Experian, can furnish consumer reports. According to 15 U.S.C. 1681b ( 1 ) & ( 2 ), you can only disclose such reports under limited conditions, including when a court orders it or with the consumer 's written instructions. In this case, I have not provided any written consent for the disclosure of this tradeline.

Aggravated Identity Theft ( 18 U.S.C. 1028a ) : The presence of this unauthorized tradeline on my report suggests the potential misuse of my personal information. Disclosin such information without my consent may constitute a violation of 18 U.S.C. 1028a, which prohibits aggravated identity theft. 

Right to Opt-Out ( 15 U.S.C. 6802 ) : The Gramm-Leach-Bliley Act ( GLBA ) safeguards consumers ' nonpublic personal information held by financial institutions. Accordng to 15 U.S.C. 6802, financial institutions can not share such information with non-affiliated third parties without first offering the consumer the opportunity to opt-out. Since I did not authorize the disclosure, this may be a violation of GLBA. 

Request for Action : Based on the aforementioned laws, I demand the immediate removal of the XXXX XXXX XXXX XXXX from my Experian credit report. I request written confirmation of this action and any updated copies of my credit report reflecting this change. 

Additional Information : I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge Experian to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 
Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX  My Attorney : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services
State: NC

Complaint narrative:
This account is identity theft someone has used my SSN as personal gain. I have been fighting this company for years about this alleged debt that I am not responsible for. The company where the alleged loan was supposedly initiated at on XXXX XXXX XXXX XXXX XXXX XXXX has went out of business. I went there personally to get proof of identity to see if the ID matches mine, and to also get Proof of Contract Agreement. I have been in contact with their main office and also credit agencies advising that this is not mine. However I failed to get the adequate docs needed to prove it is mine legally. I am getting the run around, and I have received computerized statement with a digital signature. These docs does not have an original signature or my signature. I am exhausted from the run around, and the frivolous information that is being reported monthly as a " charge off '' claiming to be an auto loan. This is not true. My next step is contact an attorney that the XXXX XXXX XXXX has referred me to, if this is not cleared up the legal way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: WI

Complaint narrative:
The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. 

When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 

15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities.

15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: WI

Complaint narrative:
The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. 

When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 

15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities.

15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
XX/XX/2023 I had to get my dve to Inside to a malfunction.Upon rushing which I left the following items inside the glove compartment : My drivers licence, my wallet which contained XXXX cards including my, navy federal credit card ending in XXXX, my social security card {$1900.00} dollars. By the time I realized the items was still inside the car after a few days when I went to aamco where the car was towed to ; the items was missing. My navy federal ending in XXXX was charged XXXX during that time without my consent along with unauthorized inquiries being conducted and attempted withdrawals from my accounts along with my navy federal checking account. I called Navy Federal to inform them and dispute the fraudulent charges but not only did they deny my claim and closed my credit card but also reported the balance to the credit bureaus, thus ruining my chances for approvals with other lenders

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, I log into my high-yield savings account with XXXX by Goldman Sachs to transfer money to my external account with XXXX XXXX XXXX  XXXX I received an error message on the web, which gave me a message to call them directly. When I called, they went through authenticating me with sending a code to my cell phone that's on file. However, I never received these codes and they refused to accept my name, birthday, address, social security, and special word as a form of proof that I was the person calling. I said I would call back, as I didn't understand why my code was not going through. When I logged back in to try again, I was shown a page that my account was locked. I called again and they again, refused to accept any form of verification though it matches exactly on the account. They then refused to accept my phone number ( that is on the account ) as an accepted verification because the phone number is not under my name - how is that fair when I am in a family plan with my husband, who's the name on the account/bill. That is my cell phone number and not something that I physically own or should be considered a form of verification. I have called every day ( XX/XX/XXXX, XXXX, XXXX of XXXX ) to understand 1 ) why my account was locked, 2 ) why they will not accept my social and special word as verification, and 3 ) when I can expect to get my account unlocked ; with every agent saying that they can not tell me and that there's nothing they can do. 

I am blocked out of my account that contains my life savings which I need access to pay my bills and rent. How can a bank block me from accessing my money and not accept any form of verification and refuse to tell me how I can unlock the account or when it would get unlocked. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: LEXISNEXIS
State: WI

Complaint narrative:
The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. When corporations sell my information to corporations, as such is the case with Lexis Nexis XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities. 15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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 2024-04-19 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: EQUIFAX, INC.
State: AZ

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 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 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 non-monetary relief
Consumer complaint received 2024-04-19 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:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-19 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting. 
2. **Failure to Furnish Form XXXX : The agency did not provide the Form XXXX required for accurate tax reporting, exposing me to potential tax compliance issues. 
3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures. 
4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805. 
Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX I sent a dispute to Transunion. Exhibit 1-3 is the certified receipt and also the dispute letter that was sent to Transunion. Transunion responded with verified as accurate. See exhibit ( A-B ) So I disputed the inaccurate information with XXXX XXXX XXXX XXXX. See exhibit ( X-Y ) XXXX XXXX XXXX XXXX respond with exhibit ( Z ). The court is not the furnisher like Transunion was trying to make it seem. So who is the furnisher Transunion? Where did they get this inaccurate information from? And what type of investigation did you do to get these results? This is a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, Pursuant to 18 USC 1028b ( 1 ) A ( ii ) You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

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