vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I am filing a formal complaint against BMW Financial Services because they have violated my consumer rights. BMW Financial Services did not give me a chance to opt out before sharing my personal financial information with third parties, including other financial institutions and credit agencies. This is against both federal law ( Gramm-Leach-Bliley Act ) and New Jersey state law ( NJ Data Protection Act ). I told BMW Financial Services that I did not agree to them sharing my private information. They responded by saying that they have the right to share my information according to their Privacy Policy. However, their Privacy Notice says that information collected by financial institutions is subject to federal privacy laws and states that they wont share information about New Jersey residents with non-affiliated third parties, except as allowed by New Jersey law. I have never signed any agreement allowing v to share or sell my personal information. I have requested a detailed account statement, including evidence from an authorized representative, to clarify who funded the account and the actual amount owed. Instead, BMW Financial Services only sent me a copy of the Promissory Note, which shows multiple violations of the Truth in Lending Act. I have instructed BMW Financial Services to send all correspondence to a specific address and stated that any mail sent to another address is inconvenient and an invasion of privacy. Despite this, they continue to send mail to an address that is difficult for me to access. BMW Financial Services actions are a form of identity theft, as they are sharing my personal information without my consent. This is an abuse of their legal authority and attempts to collect debts through unlawful means. According to federal and state laws, I should have been given a reasonable chance to direct that my personal information not be shared. The contract and Promissory Note in question are invalid and unenforceable. I am seeking damages for violations of the Fair Credit Reporting Act, Truth in Lending Act, Uniform Commercial Code, and New Jersey consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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. 

XXXX  # XXXX - BALANCE {$710.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX # XXXX - BALANCE {$310.00} Date Opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$160.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX  - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$430.00} Date XXXX XXXX  XXXX # XXXX - BALANCE - {$470.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX TX # XXXX Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1000.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE - {$4600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$2500.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1300.00} Date Opened XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: 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. 

XXXX  # XXXX - BALANCE {$710.00} Date Opened XX/XX/XXXX XXXX  XXXX # XXXX - BALANCE {$310.00} Date Opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$160.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$430.00} Date XXXX XXXX  XXXX # XXXX - BALANCE - {$470.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX TX # XXXX Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$1000.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE - {$4600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$2500.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$1300.00} Date Opened XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-09-10 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: 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. 

XXXX  # XXXX - BALANCE {$710.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$310.00} Date Opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$160.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX  - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$430.00} Date XXXX XXXX  XXXX # XXXX - BALANCE - {$470.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX TX # XXXX Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1000.00} Date Opened XX/XX/XXXX XXXX XXXXI # XXXX - BALANCE - {$4600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$2500.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1300.00} Date Opened XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo opened 2 accounts without my knowledge and authorization. The accounts were a Wells Fargo XXXX Checking account ending in XXXX and Wells Fargo XXXX XXXX ending in XXXX. I learned of these accounts while filing a complaint for identity theft add-on products I did not authorize. I have been trying to get a resolution since XXXX of this year concerning the unauthorized opening of these accounts however have just been given the run around. I understand the CFPB has fined Wells Fargo their illegal practice of secretly opening unauthorized accounts. Unfortunately, Wells Fargo has engaged in unfair, deceptive, and abusive acts or practices. I have been affected by being charged wrongfully for overdraft fees, unauthorized add-on products & unauthorized opening of accounts. I work in privacy and compliance and know the importance of safeguarding consumer data. I also know the negative affect when a company refuses to protect consumers data. I have included the statements and unsigned application Wells Fargo provided to me the beginning of this year which proves negligence.

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 monetary relief
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I recently view my credit report and notice fraudelent accounts, please delete accounts. Victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: DE

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom it may concern. I have been reported by a commercial credit card company as no payment and charged off. XXXX XXXX act # XXXX and commercial card act # XXXX. I'm unfamiliar with these accounts and they do not belong to me XXXX XXXX, or my company XXXX XXXX XXXX. I've reached out to dispute with Equifax XXXX XXXX but they have failed to verify the accuracy of this account. They informed me " ONLY THE CREDITOR/LENDOR CAN REMOVE THIS. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase have a strict rule against cryptocurrency that comes from gambling sites, TOS aside they can not remove what is my personal investment, however they did take them, delete my account and then claim the funds never existed, even after I'd provided them with proof of said claim. 

On the XXXX XX/XX/ 2024 I had withdrawn my winnings from the XXXX XXXX to Coinbase, the second the XXXX crypto transaction, XXXX, had reached Coinbase I'd received an email stating that my account was being suspended due to 'suspicious activity & breaking the TOS ' but just below this email there was a button attached that said 'Recover your funds ', straight forward I'd thought, tough but fair, however when I'd logged in to recover my funds I was shocked to find that my account had been permanently deleted, alongside the funds within my account. No issue, I'll contact Coinbase support, or so I thought, I was promised a wait time of no longer than 4 weeks, there was no rush, I could wait ; however after 4 and a bit weeks I was shocked to find that I'd still had no response, so I followed up, to be told to wait again, when I'd took to their XXXX with the same issue, I was once again informed that I'd to wait. I've now been waiting a little over 7 months with no response other than them stating that this transaction never took place.

My coinbase case ID is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : 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 non-monetary relief
Consumer complaint received 2024-09-10 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-09-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2024-09-10 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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