vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
I recently reviewed my Consumer Report where I discovered that ( XXXX XXXXXXXX XXXX /SPEEDY CASH ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/ COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt in or opt out of my privacy being shared with a third party. In Pursuant to Title 15 U.S.C. 1681b ( 2 ) any information communicated a placed on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a Consumer Report without written consent and an adequate notice antedating 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reaching out to formally request the removal of specific information from my file. The details of the items requiring deletion are outlined in the accompanying report. 

Regrettably, I have become a victim of identity theft, and the charge in question was not made by me. In light of this, I kindly request that the aforementioned items be expeditiously deleted to rectify inaccuracies in my credit report. 

To address the identity theft incident, I promptly reported the matter to the Federal Trade Commission. Enclosed with this letter are copies of the Federal Trade Commissions Identity Theft Affidavit, providing further documentation of the situation. I urge you to take swift action in removing the contested items from my records. 

Your prompt attention to this matter is greatly appreciated, and I anticipate a timely resolution.

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 2024-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I went to transfer funds into my Affirm savings account and was denied the transfer stating that they can not verify my identity. They locked all of my bank accounts that have been input for transfers with no explanation they have never called me, emailed me or anything so as of right now I have {$780.00} that I need for a vacation that I have been saving for that I can not access, when I called them I was transferred four times no one could tell me why my account was frozen. Finally the last person I spoke to you told me they had to escalate it and that someone would email me within 4 to 5 business days now when my money is frozen, I understand youre trying to protect my identity, but I expect this to be resolved within 1 to 2 business days not be sitting here waiting for five business days for whatever information that they want when they never even notified me what was going on with my account. I suspect they flagged it because I let my daughter take alone and we have been paying that loan with her debit card so Im going through this ridiculous nightmare because I used my daughters debit card on my loan I just want my money out of my savings account. One must wonder what would happen if I had an emergency and couldnt access my money I will never bank with them again. The really infuriating part is that they continue to take money out of these accounts that theyre saying they cant verify so its fine for them to take payments, but they wont allow me to access my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
Hello and XXXX XXXX XXXX. I have reached out to the credit bureaus several times at this point to dispute several collections that do not belong to me. Each time it comes back as verified. I sent a certified letter requesting them to validate/ verify the debt and I also asked them to provide the method in which they verified the debt. Additionally, I asked for any and all signed contracts and or any valid documentation that proves I owe the debt which is their fiduciary duty. The credit bureau 's however did not send me ANY of the requested information and just instead sent me an itemized letter once again stating the debts had been verified. They however, did not provide method of verification as I requested nor did they provide even a single piece of documentation proving I owe any debt to any creditor. This is unlawful violation. 15 U.S.C 1681G. Please see the attached dispute letter that was sent to the credit bureau 's and their response. 

Attached : Driver 's License, Dispute letter, Response to Dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello and XXXX XXXX XXXX. I have reached out to the credit bureaus several times at this point to dispute several collections that do not belong to me. Each time it comes back as verified. I sent a certified letter requesting them to validate/ verify the debt and I also asked them to provide the method in which they verified the debt. Additionally, I asked for any and all signed contracts and or any valid documentation that proves I owe the debt which is their fiduciary duty. The credit bureau 's however did not send me ANY of the requested information and just instead sent me an itemized letter once again stating the debts had been verified. They however, did not provide method of verification as I requested nor did they provide even a single piece of documentation proving I owe any debt to any creditor. This is unlawful violation. 15 U.S.C 1681G. Please see the attached dispute letter that was sent to the credit bureau 's and their response. 

Attached : Driver 's License, Dispute letter, Response to Dispute

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 2024-01-12 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: FL

Complaint narrative:
an 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. 

TRANSUNION : Account Number : 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 2024-01-12 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Barclays bank Delaware opened a credit card in my name without my knowledge. 
This card was opened on 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 2024-01-12 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: DISCOVER BANK
State: OH

Complaint narrative:
These financial institutions are in violation of granting me my right to " opt out '' from reporting my non public personal information to a nonaffiliated third party without my written consent. Nonaffiliated third parties being XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Discover Bank account number beginning with XXXX, also XXXX XXXX account number beginning with XXXX. I tried to opt out but they refused but now I am showing the laws that they are breaking and the fraud that they are committing to me the consumer. The law states that they need my written consent to give my non public personal information to a nonaffiliated third party as mentioned above. For the record I did not give my written consent to any of these financial institutions to disclose my non public personal information to these nonaffiliated third parties. Which they give my transaction history as well which is also non public personal information. Also a violation of the privacy act of 1974. And identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of XXXX, XXXX, and TransUnion. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of Equifax, XXXX, and XXXX. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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:
I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by XXXX, XXXX, and TransUnion. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law. 

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.

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 2024-01-12 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:
I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by Equifax, XXXX, and XXXX. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law.

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Flexible Finance, Inc.
State: CO

Complaint narrative:
At the beginning of XXXX, my roommate and I attempted to pay rent to XXXX XXXX using their promoted program " Flex ''. We sent the money, the money was taken out of the account, but was never transferred to XXXX XXXX XXXXXXXX now claims we never paid our rent for XX/XX/2023, despite being shown bank statements proving the agreed upon amount was taken out by Flex. We have made numerous attempts at contacting Flex to resolve the issue, but no response has been given. XXXX is threatening to evict us for not paying rent. We paid our rent, it's not our fault Flex didn't send the transfer like they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief