vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: CA

Complaint narrative:
This account was charged off on the following date XXXX of XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account was in good standing XX/XX/XXXX. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$1500.00} when the account should be XXXX due to the account being a charged off account. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : EXPERIAN Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX : Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX has billed me for three consecutive months. With an amount of XXXX, XXXX, and XXXX which I do not owe. I have never heard of this organization, nor have I ever been involved in any way. These are utility bills for properties located in North Carolina. I own nothing in North Carolina and currently reside in New Jersey.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX credit card was opened in my name, without my consent or knowledge. I never made any transactions with this card nor owe them any money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I contacted Ally Bank multiple times one date being XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX letting them know that I opt out of them sharing my nonpublic information ( SSN, name, transaction history, account status, address, phone number, account open and close date ) with non-affiliates like XXXX XXXX XXXX without my permission or consent. They have shared 1 savings account and over 5 of my transactions from 1 account and its status. On the XX/XX/XXXX call Ally Bank representative told me that Ally Bank does not share any of my information with anyone and I let her know that I've already requested for a copy of my XXXX consumer file and it states that they ( Ally Bank ) reported this information to XXXX. She also stated that since my account is closed Ally Bank will not share anymore of my information. I did let the representative know that this is against Ally Bank 's Privacy Policy and the Privacy Act of 1974 and it needs to be handled. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/mental and spiritual health issues. Ally Banks privacy policy violates the Privacy Act of 1974 and my rights as a federally protected consumer. https : //www.ally.com/privacy/ # of accounts : XXXX XXXX XXXX XXXX Status : XXXX XXXX  Transaction : 9 Number of Transaction Reporting : 9 Status Reporting : 7 Total Violations Owed to Me ( {$1000.00} per violation ) : $ 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 2024-03-17 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: LCI Acquisition Inc.
State: MI

Complaint narrative:
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: FL

Complaint narrative:
Account # XXXX opened-XX/XX/2018 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, 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 2024-03-17 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:
Account # XXXX opened-XX/XX/2018 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ).

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
see attached I've recently checked my credit report and notice some inaccurate accounts reporting. 

After recently reviewing my credit report I noticed several inconsistencies regarding multiple accounts in the ( Date of Last Active, Last Reported, Date Open, Comments, Date of last payment ) section. See below. Some accounts are XXXX years old and should not be shown on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 XXXX years. 

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 XXXX years. 

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I always pay our mortgage on the XXXX of the month. except in XX/XX/XXXX I was in the hospital and paid it on the XXXX of the month. I paid the late fee. 

On XX/XX/XXXX I contacted Freedom Mortgage to see if there could be a grace for the late payment in XXXX and was told since I had already paid I could not receive the money but it could go to the principal. That was wonderful. Then I paid XXXX 's payment. 

We have used Freedom Mortgage for 9 years, not just the length of this loan. During the entire length of our loans we have used the same banking account to pay our mortgage. 

On XX/XX/XXXX I was taken aback by receiving a letter that my XXXX payment did not go through due to an account issue. I have always used the same account to pay my mortgage. When I called on XX/XX/XXXX it took her 30 seconds to figure out that three of the numbers were repeated in the sequence and that is why it wouldn't clear our bank. However, she had our correct banking information right in front of her. Our banking account information is clearly on file. 

This has caused our credit scores to drop from XXXX to XXXX in one day as Freedom Mortgage reported that we were not only 30 days late for XXXX, but we also had note paid XXXX, I paid XXXX 's payment in full on the phone call on XX/XX/XXXX at the time I first became aware there was a problem. We received a letter in the mail on XX/XX/XXXX that stated that our payment was returned due to processing error. We did not receive any phone calls or anything prior to that which would have allowed us to correct the issue and not have a payment that is 30 days late thereby ruining our credit. 
We then received another letter that stated that they were unable to get ahold of us. They have our phone numbers, emails and text capabilities. None of those avenues were used to let us know that there was a processing error. We would have taken care of it the same day..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
On XX/XX/XXXX, I was admitted to the hospital following an XXXX that was not my fault. I provided my insurance information and paid my deductible in full upon arrival. Upon discharge, I hired an attorney to assist with my claims as the at-fault driver was grossly under-insured. On XXXX I received a bill from XXXX XXXX XXXX XXXX XXXX in the amount of {$64.00} and on XXXX in the amount of {$480.00} bringing the total balance due to {$540.00}. This was paid by my personal check # XXXX for {$480.00} and a XXXX check # XXXX issued by my attorney, XXXX XXXX in the amount of {$64.00} on XXXX noting that the account was paid in full and requesting full satisfaction of their reimbursement right. At that time, my obligation to XXXX was fully satisfied. 

Fast forward to XXXX, XXXX, three years later. I began receiving text messages from an unknown number stating I owed money to a hospital. Because my attorney had settled my case in XX/XX/XXXX, I had at first assumed this to be a scam or fraudulent request. I then received an invoice dated XXXX, from XXXX which requested I pay a total of {$610.00} for date of service XXXX. I immediately contacted my insurance company, and spoke with XXXX at XXXX XXXX XXXX to ask why this bill was not paid three years ago. I was informed by XXXX that XXXX had neglected to submit this bill to XXXX XXXX XXXX until XXXX, over three years AFTER my accident and admission to the hospital. Due to XXXX submitting this claim " too late and after timely filing, '' I was told by XXXX XXXX that I was not responsible for this claim and that XXXX needed to write-off or adjust this bill. All claims processed properly were paid in full. We immediately reached out to Kings Credit Services whom XXXX had sent collections to and informed them of the situation providing all documents from attorney. Proof of payment, proof of account paid in full by attorney, attorney letter, proof of correspondence with XXXX XXXX. That was sent certified mail and signed as received by XXXX XXXX XXXX from Kings Credit Services. I also spoke with XXXX from Kings Credit Services on XXXX who was a supervisor and stated she would handle this matter. On XXXX, XXXX who represents XXXX for recovery services demanded payment of {$610.00} for a claim not properly billed by XXXX. I have now been wrongfully and negatively reported to multiple credit agencies in the amount of {$840.00} reported XXXX. I am asking for help to resolve this matter as both my attorney, XXXX XXXX and myself have gotten nowhere with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. Due to privacy and confidentiality under the law 15 U.S.C 1681. 

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 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 ) - States A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) - 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 record of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 Section ( a ) ( 1 ) - 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.

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