vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: GA

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires and accounts that i do not recognize. I contacted the credit bureaus to dispute these hard inquires and accounts and requested their removal. Unfortunately, the credit bureaus refused to remove them off of my credit report. The issue is causing undue stress and is negatively affecting my financial standing.

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 2024-11-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires and accounts that i do not recognize. I contacted the credit bureaus to dispute these hard inquires and accounts and requested their removal. Unfortunately, the credit bureaus refused to remove them off of my credit report. The issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: GA

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 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  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding inaccurate information XXXX has reported on my credit report. Specifically, the data provided by XXXX is incorrect and does not accurately reflect my account status. 

I have attempted to address this issue directly with XXXX and/or the credit bureaus, but the inaccuracies remain unresolved. This reporting violates the Fair Credit Reporting Act, which requires accurate and complete information. 

I request that the CFPB investigate this matter and ensure that XXXX corrects or removes the inaccurate information promptly. 

Thank you for your attention.

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 2024-11-30 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: GA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding inaccurate information XXXX has reported on my credit report. Specifically, the data provided by XXXX is incorrect and does not accurately reflect my account status. 

I have attempted to address this issue directly with XXXX  and/or the credit bureaus, but the inaccuracies remain unresolved. This reporting violates the Fair Credit Reporting Act, which requires accurate and complete information. 

I request that the CFPB investigate this matter and ensure that XXXX corrects or removes the inaccurate information promptly. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding inaccurate information XXXX has reported on my credit report. Specifically, the data provided by XXXX is incorrect and does not accurately reflect my account status. 

I have attempted to address this issue directly with XXXX  and/or the credit bureaus, but the inaccuracies remain unresolved. This reporting violates the Fair Credit Reporting Act, which requires accurate and complete information. 

I request that the CFPB investigate this matter and ensure that XXXX corrects or removes the inaccurate information promptly. 

Thank you for your attention.

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 2024-11-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
on several occasions now i get a settlement card for a class action lawsuit for items i've purchased. they send it in the form of a prepaid card. previously a few months ago i was not able to use it because it was being declined on all formats online. i contacted customer support and they said they would investigate. later i was advised that the card would be closed and funds would not be available to me which is a scam. i did a online research and apparently theres alot of complaints about this company ( myprepaidcenter.com ) i know was issued another card from a XXXX lawsuit small amount but again same thing its being declined everywhere i even tried my XXXX account, so i contacted customer service and they say the same thing oh this card is locked and we need to investigate. mind you neither cards have any transaction history, i can access the cards on their website and the balance shows available but only on their website. all online trys say invalid card. this company is keeping all customers funds. something needs to be done. people dont know how to go about collecting digital funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
NCB Management Services, have been emailing me without my consent this has happened a lot.

Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ) governs communications in connection with debt collection, including how and when a debt collector may contact you. Here 's a summary of the key provisions : 1692c - Communication in connection with debt collection 1. Communication with the Consumer A debt collector may not communicate with you in connection with the collection of any debt : At an unusual time or place : Generally, they must not contact you before XXXXXXXX XXXX or after XXXXXXXX XXXX, unless you agree otherwise. 
If you are represented by an attorney : If the collector knows you have an attorney and can reasonably contact them, they must communicate with your attorney instead of you.

At your place of employment : If the debt collector knows or has reason to know that your employer prohibits such communication, they may not contact you there.

2. Communication with Third Parties A debt collector generally can not communicate with third parties ( e.g., friends, family, co-workers ) except : To locate you ( they can only ask for your address, phone number, or workplace ). 
With your consent. 
If allowed by a court. 
If the communication is necessary to enforce a court judgment. 
3. Opt-Out of Communication You can request the debt collector to stop communicating with you : In writing : If you send a written request, they must stop all further contact, except to confirm they wont contact you again or to notify you of specific legal actions.

4. Violations in the Context of Email Communication Electronic Communications ( e.g., emails ) are subject to the same restrictions. Debt collectors : Can not email you without your consent.

Must respect the privacy and timing rules outlined in 1692c.

Must avoid sending emails to shared accounts or addresses where others might view the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I dont know why this debt is in my account I am completely unaware of this, this is effecting my credit. I dont know why I am this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IN

Complaint narrative:
This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

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 2024-11-30 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: IN

Complaint narrative:
This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

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 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being.

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 2024-11-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being.

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 2024-11-30 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: MN

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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:
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 XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2024-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Servicing Solutions, LLC
State: CA

Complaint narrative:
I took a personal loan for {$50000.00} from XXXX XXXX XXXX on XX/XX/XXXX. Per the contract, the first payment will be {$830.00}, due on XX/XX/XXXX, 240 monthly payments of {$840.00} beginning on XX/XX/XXXX, and one payment of {$1.00} on XXXX/XXXX/XXXX. The loan was immediately sold to Servicing Solutions. On XXXX/XXXX/XXXX, Servicing Solutions breached the agreement by debiting my checking account {$860.00}, which is more than what the contract stipulates. I've been trying to get online access to view my account since Servicing Solutions bought the account, but I've been unsuccessful. I've called Servicing Solutions for assistance on two separate occasions, and each time, I was told someone would call me back. To this date, I have not received a return call. I sent an email to Servicing Solutions on XX/XX/XXXX requesting to remove my loan from automatic payments, yet they still debited my checking account on XX/XX/XXXX, causing an overdraft of {$1300.00}. I had to pay {$30.00} to stop payment on the transaction to avoid multiple overdraft fees. Attached is the promissory note and disclosure statement. Please note that this loan is a " predatory '' loan, and it is essential that I review the account status online and make additional payments to minimize the amount of interest. I request Servicing Solutions reimburse {$30.00} for the stop payment fee, STOP the automatic payments, and give me online access to review my loan.

Company response to consumer: Closed with explanation