vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: MS

Complaint narrative:
The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of 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 to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. XXXX, XXXX, Equifax, and also all the companies listed below should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX XXXXXX/XX/XXXX, This company is reporting a charge off balance of {$120.00} to XXXX and XXXX only and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 1681 inaccurate reporting and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. This is also in violation of my privacy rights in the Privacy Rights Act of 1974 and needs to be removed immediately. XXXX XX/XX/XXXX Late Payment reporting by Equifax, and XXXX only, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report of my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Johnson Mark LLC
State: UT

Complaint narrative:
Johnson Mark employs the dumbest attorneys first of all. Nobody at this residence has waived their right to privacy. Please provide a signature or phone call proving that this right was waived. 

This company sent a process server to my house and left a summons under the doormat without verifying any information. If you didn't verify, you NEVER should have left the summons. 

The previous owner of this home is a XXXX predator. I have a video doorbell as a result of this. The process server broke my video doorbell which I have had to replace. 

I did ask the process server to leave my property multiple times to which they kept talking over me. I finally told the process server that they needed to leave the property immediately because I don't have any outstanding business or else I was going to get my XXXX to defend myself because I do not know this person and people can buy a clipboard, print out forms and say whatever they want. 

At no time were they able to provide any documentation showing that anyone waived their right to privacy. I have asked multiple times for proof of waiver and they've either refused or just sent copies of statements. 

All that shows is someone opened the account. It doesn't prove that I opened the account. Without a photo ID or signature proving a human opened the account, how would they prove it in court?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
VIOLATIONS OF PRIVACY : PRIVACY ACT OF XXXXXXXX XXXX XXXX The INFORMATION RELATING KIMBALLTIREY IS NOT RELATED TO ANY TRANSACTION or Contracts in the name of CONSUMER. XXXX will need to provide the direct contract in which they have with the company who sold them a debt proving that they are authorized to collect for this said company and that they are not just a company that bought a debt According to the Fair Credit Reporting Act 15 USC 1681 Section 602 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right for privacy. As a protected consumer I have a right to make sure that my personal nonpublic information isn't shared which is confirmed by law 15 USC 6801. : It is the policy of 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.. 15 USC 1681c ( a ) 5 states except authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item that is being reported again, without my permission which is against the law. 15 USC 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 the information is inaccurate.

15 USC 1681e : Every consumer reporting agency SHALL maintain procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX and Equifax are not maintaining reasonable procedures. 
15 USC 1681C-2 block of information resulting from identity theft A consumer agency shall block the reporting of any information in the file of a consumer that consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 USC 1692e7 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Dates, Amounts, actions was taken to remove inaccurate information but companies isnt complying Ive sent out 9 letters to credit bureau and the companys listed on my report. XXXX XXXX paid in full never late, Vystar paid off never late not reporting accurately, XXXX XXXX isnt my account it was reported as fraud I have police report to prove. XXXX XXXX never late paid in full reporting 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 2024-06-21 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:
18 U. S. C. 1028A & 15 USC 1681B ( 2 ) XXXX XXXX XXXX XXXX XXXX i called credit reporting agencies and let them know these Document included below are not supposed to be visibe on mt consumer Report. i never gave them consent to report them.

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 2024-06-21 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:
18 U. S. C. 1028A & 15 USC 1681B ( 2 ) XXXX XXXX XXXX {$73.00} XXXX i called credit reporting agencies and let them know these Document included below are not supposed to be visibe on mt consumer Report. i never gave them consent to report them.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
First and foremost, I started an app called XXXX XXXX where I heard it helps me build credit, and to my surprise I have XXXX hard inquiries with the same company I started to call everyone and dispute it also. So I did that and when I spoke to the representative I wan na say around XX/XX/XXXX it was the weirdest conversation I don't have an account with them but some how they are on my credit report hurting it real bad As a XXXX XXXX XXXX I thought XXXX XXXX  was the only thing on my report which is in outstanding condition So please please SYNCB/CARE CREDIT remove this non existencing account. So that XXXX can have it removed. Thank you so much for your consideration.

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 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted the credit bureaus multiple times regarding this inaccurate and inconsistent account.These discrepancies do not align as required by the Fair Credit Reporting Act ( FCRA ), which mandates the maximum possible accuracy of information in consumers ' credit reports. 
Therefore, I request that you investigate this matter promptly and delete any inaccurate or inconsistent information from my credit report. 

Please delete this inaccurate account from my credit reports.

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 2024-06-21 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:
XXXX XXXX XXXX XXXX XXXX Head, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX Account # XXXX .... 
XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company XXXX months ago, stating that I am exercising my right to opt out of their reporting of this account, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and Experian are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, Experian, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and Experian are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you 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 2024-06-21 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
the company spring capital bought my debt from original company and i do not have a contract with spring oaks capital llc they dont not have my written consent to report on my consumer report they did not send a copy of 1099c that the company filled so that i can file with irs on my behalf also the selling and purchasing of my debt is a violation of my privacy this company is in violation of 15usc1692 ( g ) 15usc6802 15usc1681 ( b ) 18usc1028 ( a ) spring oaks capital llc XXXX. XXXX  XXXX, XXXX va,XXXX  acc # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake Financial reported a payment as 30 days late on my XXXX and XXXX reports for the month of XX/XX/year> and yet on my XXXX as on time for the same month or billing cycle therefore making the report INACCURATE contrary to Westlake Financial 's claim to accuracy which is a violation of the FCRA consumer law 15 USC 1681e ( b ) surrounding the maximum possible accuracy and fairness required by credit reporting agencies. Westlake Financial has also failed to show proof that the information required by law 15 USC 1637 ( b ) was mailed or delivered to me as the consumer not later than 21 days before the payment due date in accordance with 15 USC 1666b which clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose '' PLEASE SEE ATTACHED!

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 2024-06-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I got a credit card from Navy Federal Credit Union and they charged the debt off which is now considered income and should be put as paid as agreed from my credit report. They are also trying to sue me as well and saying they could garnish my wages or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXX 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 2024-06-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I applied for Amex XXXX credit card online and before I submitted application, I called Amex customer representative to confirm whether I will have welcome bonus. The representative said I will get XXXX bonus points if I spent {$8000.00} within 6 months as long as I don't have or have opened the Amex XXXX credit card. Since I've never owned such card, I am eligible for such welcome offer per the said terms, so I accepted the card application. I received the card a few days later and started to spend on the card for my upcoming trip. However, on XX/XX/XXXX, I realized I didn't see the welcome offer indicated anywhere in the welcome package when I received the card, so I messaged Amex in the app, and was shockingly told that I am not eligible for any welcome offer. I told them that's not what I heard when I applied, and I wouldn't have applied for the card if they had told me I would not get any welcome offer. The representative said they will investigate into this, but I never heard it back. 

On XXXX, I wanted to follow up with Amex, so I messaged them again and called them as well, but was told the same thing - no welcome offer. I asked the representative to file a compliant internally but again never heard it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report. Please delete this items as soon as possible. Since they are affecting my ability to obtain credit. And I didn't Authorize those Inquiries.

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 2024-06-21 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: CITIBANK, N.A.
State: GA

Complaint narrative:
This account was fraudulently opened in my name using my personal information as well as changing personal information of mine. I never opened this account and was not aware of this account until obtained a credit report. Ive emailed all attached documents to all 3 credit bureaus as well as mailed a copy to your company

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