vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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:
My information was used illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal unauthorized inquiries from my credit reports. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: Firstsource Business Process Services, LLC
State: LA

Complaint narrative:
Company called me saying I owed a debt credit card company. I told them to cease and desist till I receive a depth validation letter. Finally received a letter from there with screenshots of my personal information of the credit card company. Basically a bill. I called them back not knowing that they were missing information at the validation part of the day saying that they own the debt. I didn't receive that information saying that they purchased at that. I found out later after talking with the rep telling me to set up a payment to remove the debt. Where I was coarse into putting my information to set up a payment to lock in saving rates on a debt to settle the debt. But the debt was charged off by the company years ago and I never received the collections. Now I feel like they're fringing on my legal rights by using underhanded tactics and ignorance to bind me an illegal agreement to make me pay this debt and once I cancel and tell them I don't want them pursue it. They're going to choose to take legal action against it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a 360-performance savings account with Capital One in XX/XX/2023. Once I was approved and qualified I put {$10000.00} into that account. on XX/XX/XXXX Capital One took that money out of my account without any explanation. I look at my Capital One savings account on my app and it tells me that my money has been withdrawn, and I no longer have access to my account. I called Capital One to get some information and they sent me to a XXXX XXXX number to leave a voicemail. I left voicemails three times and no one has called me back. I went into a bank in XXXX, TX personally and received no help but that I should try calling that number again. My money is nowhere to be found and it is not in my personal bank which is XXXX. 
Capital One refuses to talk to me about my account. When I leave a voicemail it says somebody will get back to me within 48 hours and that has yet to be done and I have called them three times in a month ( XXXX, XXXX, and XXXX ) and no one has called me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Good morning, I am filing this complaint due to inaccurate reporting and a Chargeoff for my consumer report for XXXX XXXX. 

The first thing I noticed was the date opened was different. Transunion reported the date opened as XXXX XXXX and XXXX reported the date as XXXX as the date opened. 
The date last reported was different as well. Transunion and XXXX reported the date last reported as XXXX XXXX reported the date last reported was XXXX 
Lastly, the date last active was different as well. Transunion reported the date last active as XXXX XXXX reported the date last active as XXXX XXXX reported the date last active as XX/XX/XXXX. 
These items are violations of my consumer rights pursuant to 15 USC 1681.

As for the Chargeoff on my consumer report this is considered a certificate of indebtness. This is also considered income being reported on my consumer report. Income can not be reported on my consumer report.

I also added the Privacy Act of 1974. 
The Privacy Act of 1974 ( Pub. XXXX XXXX XXXX ( United States ) XXXX, XXXX XXXX. XXXX, enacted XX/XX/XXXX, XXXX XXXX. XXXX ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections

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 2024-01-07 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX date breach engagement number : XXXX Claim number : XXXX My information was sold and bought illegally because I am a victim of the XXXX Data Breach . I would like these illegal accounts deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I am in fact a victim of this data breach and has done nothing to resolve these illegal matters. Iam asking to please help me by deleting these illegal accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services
State: IA

Complaint narrative:
Vikings Client Services, LLC is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) by using abusive, unfair and deceptive practices against me in the form of harassment by contact me by phone, text, email and U.S. mail for a debt I dont owe and is the result of identity theft. I never rented a car from or had a rental agreement with XXXX XXXX XXXX XXXX. Someone stole my identity, drivers license, social security card and credit cards and rented a car from XXXX XXXX XXXX XXXX in my name. The debt collection account is fraudulent and not my debt or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
The Biden-Harris Administration has forgiven my federal student loan ( s ) listed with MOHELA in full. But my credit report still shows full student loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Unauthorized charges were made to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are fraudulent : XXXX  XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2023

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 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I unfortunately fell victim to a scam perpetrated by an anonymous CashApp user with username " $ XXXX. '' This individual whom I engaged via XXXX XXXX under the name XXXX, promised to deliver a listed XXXX XXXX in exchange for XXXX USD via XXXX after making an upfront shipping fee payment of {$50.00}. After the said payment was successfully received and confirmed, the scammer left the chat group and most likely blocked me from previewing his account. 
I created another XXXX profile purposely to track and reconnect with the scammer, it turns out that he had changed his profile name to XXXX XXXX and still lists the said phone for sale. After interacting with the scammer under my pseudo XXXX profile, he asked me to send a sum of {$200.00} to another CashApp username tagged $ XXXX, before delivering the phone, just like before. When I probed further and asked for a meeting place to inspect the said phone, he indicated that we should meet at : XXXX XXXX, XXXX XXXX XXXX, XXXX, Indiana. I have not received the promised goods or any further communication from the seller ( scammer ) but I believe I have been defrauded ( I have documented evidence of the transaction and chats on XXXX XXXX ). Unfortunately, despite reporting the fraudulent account and transaction to CashApp ( Block Inc. ), they refuse to investigate the transaction neither did they block the user, exposing other vulnerable online customers to such scams via their payment channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: Nelnet, Inc.
State: TN

Complaint narrative:
Upon reviewing the Master Promissory Note ( MPN ) related to my student loan account, I observed discrepancies that raise concerns regarding the reporting process. The FCRA mandates that a financial institution, in this case, the loan servicer, must clearly and conspicuously disclose to the consumer, in writing or electronic form, that nonpublic personal information may be disclosed to a third party. The MPN does acknowledge this disclosure concerning the reporting to credit bureaus.

However, as stipulated in 15 USC 6802 ( b ) ( 1 ) ( b ), the consumer should be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to a third party. Regrettably, I was not provided with the privilege to exercise this nondisclosure option, nor was there an explanation offered on how I, as the consumer, could opt out, as outlined in 15 USC 6802 ( b ) ( 1 ) ( c ).

I have attached a redacted copy of the MPN as evidence of my claim. On page 7 of 10, under section 21 regarding consumer agency reporting, it is evident that the document mentions reporting to credit bureaus while deliberately omitting the fact that I, as the consumer, had the option not to have my information reported, as required by consumer protection laws.

Considering these concerns and potential violations of the FCRA and 15 USC 6802, I request that you furnish me with a copy of the document demonstrating where and how I was given the opportunity to opt out of having my information disclosed without my written consent.

I anticipate your prompt attention to this matter and a thorough investigation into the inaccuracies and omissions outlined in this letter. I trust that you will take the necessary steps to rectify the reported discrepancies in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
Hi i'm reaching out today because the credit reporting agencies are still reporting a illegal charged off account on my consumer report. I have made multiple complaints in regards to this account yet the law is still continuing to be broken. The continued reporting of this account is a direct violation of 15 USC 1681b as I never gave written consent to any of the major credit reporting agencies to report this account on my consumer report. This is also a direct violation of the privacy act of 1974 as I was never informed of my right to opt out of the reporting of this account. This is my formal notice that i'm opting out of the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MN

Complaint narrative:
Hi i'm reaching out today because the credit reporting agencies are still reporting a illegal charged off account on my consumer report. I have made multiple complaints in regards to this account yet the law is still continuing to be broken. The continued reporting of this account is a direct violation of 15 USC 1681b as I never gave written consent to any of the major credit reporting agencies to report this account on my consumer report. This is also a direct violation of the privacy act of 1974 as I was never informed of my right to opt out of the reporting of this account. This is my formal notice that i'm opting out of the reporting of this 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 2024-01-07 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in 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 non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I was frauded {$80.00} on XX/XX/23. My phone was stolen and found out this transaction was sent using my phone. I attempted to dispute this to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I would like to make amendments to my previous complaint as there are some unintentional errors. The complaint associated with # XXXX is to be void and replaced by this one : AMERICAN EXPRESS entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to a third party non affiliate. Their terms and condition say they do not provide my information to third party non-affiliates. they violated their own terms and condition when they shared my information with the credit reporting agencies ( XXXX, XXXXXXXX XXXX  ). Additionally, they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have had a personal credit card through Citibank for several years. In late XXXX, Citi contacted me with a " fraud alert '' and after reviewing recent charges I found several fraudulent transactions. I reported these to Citi by phone and they began an internal " dispute process ''. Four of the 5 transactions I reported ( dated from XXXX ) were eventually resolved and refunded, with transaction amounts ranging from {$2.00} to {$49.00}. 

There was one transaction in a higher dollar amount that did not appear to get investigated or go through the normal dispute process : Date : XX/XX/XXXX  Vendor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount : {$3400.00} This transaction is not listed in the dispute center and when I have tried to call Citi support about it they have hung up on me multiple times. I have tried to contact XXXX  directly but they do not have any phone number published ; ultimately I was able to make contact via email and the company confirmed that neither my account nor my wife 's ( since we have both used XXXX to rent swimming pools ) created a transaction in that amount. I would expect Citi to issue a chargeback to XXXX or to otherwise escalate this issue with them, but they do not appear to have taken any action and Swimply no longer replies to my emails either. 

It's unclear to me as a consumer how I am supposed to handle a large, fraudulent charge like this on my credit card, and I believe I have exhausted the channels available to me through both my credit card issuer and the company making this charge. I'm confused by this whole situation and worried that I will be responsible for a giant charge that I did not accept. ( Note that even by XXXX standards, this is a large transaction. A typical amount would be $ XXXX {$200.00}, not {$3500.00}! ) Dear CFPB overseers- Please help me get this resolved ( either via Citi or XXXX ), so that I can get my money back.

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 2024-01-07 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE AMEX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS AMERICAN EXPRESS, WAS OPENED FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX, WAS OPENED FRAUDULENT

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 2024-01-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to a third party non affiliate. Their terms and condition say they do not provide my information to third party non-affiliates. they violated their own terms and condition when they shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally, they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX  for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Credit Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX ( Account ID # XXXX ) have 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 fumish a account without my written instructions.

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