vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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:
As per the Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and a deep regard for consumer privacy, as stated in 15 USC 1681 section 602 ( a ). XXXX, XXXX, and TransUnion function as consumer reporting agencies, while I am the XXXX. My right to safeguard my private information from dissemination is supported by 15 USC 6801, which underscores the obligation of financial institutions, including ( Furnisher of information to credit agencies ), to respect customer privacy and safeguard nonpublic personal information.

Referring to 15 USC 1681 section 604 ( a ), section 2, it is established that any consumer reporting agency may only furnish a consumer report with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, XXXX, XXXX, and TransUnion, lack my consent, which includes verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how to exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. This account, reported as an adverse item without my permission, violates this provision. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and TransUnion are failing to maintain reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. XXXX, XXXX, and TransUnion are not adhering to these standards. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services for the following accounts : 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

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 2024-02-06 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:
As per the Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and a deep regard for consumer privacy, as stated in 15 USC 1681 section 602 ( a ). Equifax, XXXX, and XXXX function as consumer reporting agencies, while I am the Consumer. My right to safeguard my private information from dissemination is supported by 15 USC 6801, which underscores the obligation of financial institutions, including ( Furnisher of information to credit agencies ), to respect customer privacy and safeguard nonpublic personal information. 

Referring to 15 USC 1681 section 604 ( a ), section 2, it is established that any consumer reporting agency may only furnish a consumer report with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, Equifax, XXXX, and XXXX, lack my consent, which includes verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how to exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option. 

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. This account, reported as an adverse item without my permission, violates this provision. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Equifax, XXXX, and XXXX are failing to maintain reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. Equifax, XXXX, and XXXX are not adhering to these standards. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services for the following accounts : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: IN

Complaint narrative:
Of course, no gurantee. Long story short, Was to get done with my case is XXXX years or deducting funds from my account but after XXXX  years I had to stop them. They " suggest '' that they will resolve your case with between 50 % to 60 % reduction to pay off and ALMOST guranteed at least 50 %. At the end of XXXX years I had paid more than I owed in the beginning. I kept questioning every time they would settle something for only lowering the amount due by 10 % to 12 % and I would ask am I still on track for XXXX years. They said yes, some settle for less than others. THEN, the real fraud came in after the XXXX years of paying I ended my association from them with still XXXX accounts still open. And of course these were the XXXX largest amounts. I told them I would just pay them off. I contacted both companies ( although NATIONAL DEBT RELIEF ) was still taking money out monthly, both these companies told me my accounts were paid and closed. No further action needed. The worst part is NDR told me both accounts were sticking with only settling for 90 %. When I called the one they said that's a complete lie. We have XXXX settlement amount and no matter what the circumstances, we always settle for 60 %. No more no less. Those were frauds, they actually stole from me, I had in reserve a XXXX XXXX XXXX  dollars for them to pay off and I asked them to send my my funds and they over {$600.00}. emails and phone calls did't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
Three fraudulent inquires are reporting to my Equifax credit report. I've repeatedly reached out to Equifax about this and they continue to report this false information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
Wilber and Associates keep calling me leaving messages, sending letters that I owe money for a motor vehicle accident that never took place.

They have not provided any type of documentation of damages done, or police reports, receipts of fixed damage and a release of any future liability.

I sent the letter to my insurance and there is nothing on record of any accidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: OH

Complaint narrative:
Account info Account name XXXX XXXX Account number XXXX Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) XXXX Transunion XXXX and XXXX XXXX I am writing to complain an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: OH

Complaint narrative:
Account info Account name XXXX XXXX Account number XXXX Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) XXXX XXXX Equifax and XXXX XXXX I am writing to complain an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MOHELA
State: TX

Complaint narrative:
This is my refiling complaint to MOHELA for still allowing inaccurate information and erroneous account on my credit report. As I checked my recent credit report, the inaccurate information and erroneous account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2024-02-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
With bank of America XXXX not having any deadlines to pay us what they owe us I will be dead before I ever hear back this is unacceptable ..please fix this error.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I enrolled in the path to Apple Card program and followed every step of the way until I received invitation to open the account and was approved. 
Did 4 small transactions in total to start paying by my first due date. 
During this process I changed my phone number and when calling to have it updated in the system my account was restricted, they then contacted me after 10 days to verify my information and asked some questions that verified my account. Then updated my number in the system and told me I was good to go and I could continue using my account, one day later they cancelled my account and when contacting the bank they told me they didnt know why it got cancelled. I didnt even get a chance to do my first payment and them cancelling my account will most surely affect my credit record which now is excellent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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: NJ

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 2024-02-06 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: NC

Complaint narrative:
This is my second complaint and whom ever responded was very impertinent. Again i need a copy of the XXXX which means the debt was cancelled according to IRS. 

The company is still send inaccurate information to the credit bureaus and this is a violation under FCRA. 
FYI : The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
I have opened two bank accounts for my businesses with XXXX XXXX and XXXX through their partner Mercury.com. 
Account number XXXX for XXXX XXXX XXXX and Account number XXXX for XXXX XXXX XXXX On XX/XX/2024 we received an email from their banking partner Mercury.com that our accounts with them are closed as they no longer want to offer services to us. At the time of account closure we had approximately USD XXXX combined in those two accounts. They are unwilling to return the funds to us. 
I have followed up with XXXX several times and their response had been " Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. '' This is in violation of their user agreement ( confirmed ). This is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Unauthorized inquiries on my credit report. Violation of U.S.C. code 1681b. 

XXXX XXXX ( Bank ) XXXX  ( Bank )

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
currently I do not have a score on XXXX  credit bureau because TD Auto Finance reported to XXXX that I was deceased I have called XXXX to prove that I am alive they said to call TD Auto to let them know and they can not find me in there system. I have called many times with both sides not helping me this is causing problem for me to obtain any credit cards, or allowing me to purchase a home I need something to happen I need help to resolve this asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: U.S. BANCORP
State: MA

Complaint narrative:
I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : US Bank on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries.

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information.

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue.

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future.

Your prompt attention to this matter is highly appreciated.

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 2024-02-06 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: Special Financing Company, LLC
State: MA

Complaint narrative:
I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries.

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information.

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue.

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future.

Your prompt attention to this matter is highly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation