vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 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:
XXXX, XXXX and Equifax do not have my consent, verbal, non-verbal, written, non-written to share my information with any financial institution. This is a violation of the Privacy Act 1974. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the 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 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was marked as deceased in the credit lines and it was false information when im alive and trying to apply for credit but they give me false information that i am deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I applied for a credit card with destiny Mastercard, after I submitted my application online, they requested me send in a copy of my license, social security card, and two forms of mail for proof of residency. That may be legal, but its unethical, and very dangerous to send out copies of my identity like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business day

s after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

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 non-monetary relief
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX and account name XXXX XXXX XXXX., has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-12-25 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: NY

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I had blood work done by XXXX XXXX XXXX XXXX XXXX XXXX I received the bill for {$23.00} and paid with an electronic check from my bank. The check was deposited by XXXX XXXX and I have the cancelled check. I communicated with XXXX XXXX on several occasions via email. XXXX XXXX confirmed that this amount was paid and the matter was resolved. I have those emails as well. Some time later I receive a notice from Credit Collection Services that XXXX XXXX has taken me to collection for the {$23.00} that had already been paid. I contacted Credit Collection Services on two occasions via their website and I explained and uploaded all of the supporting documents that verified this amount had already been paid. I just received another notice from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was gifted 2 American Express gift card by my employer on XX/XX/2023. I can see the card was purchased the day prior on XX/XX/2023 of {$500.00} each. On XX/XX/XXXX I was able to use one of the cards just once and have not been able to since I have tried both online and in store and no luck. There is a balance of {$350.00} on one card and {$500.00} on the other that I am unable to use I have tried XXXX, XXXX, XXXX, XXXX, XXXX and all declined. I called customer service and they advised me that maybe there is not enough funds but I stated there is more than enough ( {$850.00} ) and they said they can not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-25 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: CA

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 has violated my rights. 

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

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

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

Company 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 2023-12-25 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:
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 has violated my rights. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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:
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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2023-12-25 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: LEXISNEXIS
State: WA

Complaint narrative:
I disputed a unverified bankruptcy that LexisNexis is has reporting on my XXXX, XXXX consumer credit reports.Lexis Nexis claimed they verified the Bankruptcy belongs to me. Lexis Nexis did not supply any additional supporting evidence that this account belongs to me. 

I would like to add at this time I would like to add Lexis Nexis is in violation of the .the following : 15 USC1681 ( a ) ( 4 ) The Right to Privacy 15 USC 1681 ( b ) ( 2 ) Permissible Purpose Lexis Nexis furnished my consumer report without written consequent from me.The law is clear in USC 1681b. A consumer report can not be furnished unless the consumer gives Written Permission. If I gave written permission to Lexis Nexis to furnish a credit report to the consumer reporting agencies I ask that Lexis Nexis produce the written consent form bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
Re : XXXX XXXX XXXX  XXXX Opened - XX/XX/2017 I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with XXXX XXXX many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from XXXX XXXXl Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and XXXX XXXX never notified me that they never got it from the dealer they just put it on a collection of my 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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Re XXXX XXXX XXXX XXXX XXXXXXXX Opened - XX/XX/2017 I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with XXXX XXXX many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from XXXX XXXX Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and XXXX XXXX never notified me that they never got it from the dealer they just put it on a collection of my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
Re : ALLY FINCL - XXXX Opened - XX/XX/2017 I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with XXXX XXXX many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from XXXX XXXX  Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and XXXX XXXX never notified me that they never got it from the dealer they just put it on a collection of my 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