vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
Account : XXXX/DEPTOFEDU Acct # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the unauthorized reporting of my student loan payment history and balances by XXXX/DEPT OF EDU. I believe this action violates my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681, and the Privacy Act of 1974.

As a consumer, I am protected under FERPA, which grants me the right to privacy regarding my educational records. My student loan payment history and balances are considered part of my educational records and are therefore subject to the protections outlined in FERPA. XXXXDEPT OF EDU has reported this sensitive information to credit reporting agencies without my explicit consent, thus violating my privacy rights under FERPA.

Furthermore, the unauthorized reporting of my student loan information also constitutes a violation of the FCRA. Section 1681 of the FCRA prohibits the furnishing of private information to consumer reporting agencies without the consumer 's consent. XXXXDEPT OF EDU has failed to obtain my consent before disclosing my student loan payment history and balances to credit reporting agencies, thereby violating the provisions set forth in the FCRA. 

Additionally, I believe XXXXDEPT OF EDU actions may also be in violation of the Privacy Act of 1974. This Act establishes safeguards for the handling of personal information maintained in systems of records by federal agencies. While XXXXDEPT OF EDU may not be a federal agency, the principles of privacy and protection of personal information outlined in the Privacy Act are applicable to private entities as well. By disclosing my student loan information without my consent, XXXXDEPT OF EDU has failed to uphold the standards of privacy established by the Privacy Act of 1974. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX/DEPT OF EDU ceases the unauthorized reporting of my student loan information to credit reporting agencies. Furthermore, I urge the Bureau to hold XXXXDEPT OF EDU accountable for their actions and impose any necessary penalties for their violations of federal privacy laws. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
Account XXXX XXXX/DEPTOFEDU Acct # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the unauthorized reporting of my student loan payment history and balances by XXXX/DEPT OF EDU. I believe this action violates my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681, and the Privacy Act of 1974.

As a consumer, I am protected under FERPA, which grants me the right to privacy regarding my educational records. My student loan payment history and balances are considered part of my educational records and are therefore subject to the protections outlined in FERPA. XXXXDEPT OF EDU has reported this sensitive information to credit reporting agencies without my explicit consent, thus violating my privacy rights under FERPA.

Furthermore, the unauthorized reporting of my student loan information also constitutes a violation of the FCRA. Section 1681 of the FCRA prohibits the furnishing of private information to consumer reporting agencies without the consumer 's consent. XXXXDEPT OF EDU has failed to obtain my consent before disclosing my student loan payment history and balances to credit reporting agencies, thereby violating the provisions set forth in the FCRA. 

Additionally, I believe XXXXDEPT OF EDU actions may also be in violation of the Privacy Act of 1974. This Act establishes safeguards for the handling of personal information maintained in systems of records by federal agencies. While XXXXDEPT OF EDU may not be a federal agency, the principles of privacy and protection of personal information outlined in the Privacy Act are applicable to private entities as well. By disclosing my student loan information without my consent, XXXXDEPT OF EDU has failed to uphold the standards of privacy established by the Privacy Act of 1974. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX/DEPT OF EDU ceases the unauthorized reporting of my student loan information to credit reporting agencies. Furthermore, I urge the Bureau to hold XXXXDEPT OF EDU accountable for their actions and impose any necessary penalties for their violations of federal privacy laws. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect my rights as a consumer.

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 2024-03-25 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: MA

Complaint narrative:
I requested Experian on serval times to removed inaccurate an incomplete information to prevent fraud and to protect my privacy. This is causing me stress and XXXX  These account are reporting incomplete and balance is inflated and there is someone else social attached to my report which causes me sleepless nights. Its there grave responsibility to make sure what they report and share in correct and accurate. I request a reinvestigation and also to be sent procedures of reinvestigation of these accounts.

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 2024-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Alerted Bank of America on XX/XX/XXXX about charges made without my permission. Filed police report for fraud on XX/XX/XXXX. Was notified that this person had charged my credit card for work they said he had done. I explained that this was not an authorized charge and no work had been done. Previously I had paid a bill to him with my credit card more than a year ago. He retained my credit number and fraudulently paid himself {$5000.00}. After review Bank of America denied my claim and said to continue I had to provide the following : On XX/XX/XXXX Bank of American then requested I provide all documents of work completed on my property to show this contractor did not do any further work. Plus, how does any of this determine whether I authorized a transaction? In fact, the reason I discontinued using this contractor was because of his questionable work practices, which is right in line with this fraud which i reported immediately. Bank of America further told me ( on XX/XX/XXXX ) that anytime i pay a merchant with a credit card ; I have now authorized them to charge anytime they want and it is not fraud ( yes they said that ; please pull phone records from XXXX employee number Id XXXX on XX/XX/XXXX at approximately XXXX. eastern time. ) Police report number is XXXX filed XX/XX/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 monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been a Chase Credit Card customer in good standing for over 20 years and when I filed a complaint regarding fees that were charged to me unauthorized they retaliated and closed all my accounts without notice. Also, I tried to transfer my funds from my bank account to another and they stopped it. Due to the closure of my accounts my XXXX score decreased several points. They still haven't refunded my fees and thousands of my point with XXXX are missing and my reward points are also missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX Acct # XXXX {$550.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service ( IRS ) , is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this discharged indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including discharged indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. Income, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this discharged indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently XXXX, XXXX, Transunion are in violation of the FCRA. 

Furthermore, the inclusion of this discharged indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies 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 2024-03-25 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: NC

Complaint narrative:
I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX Acct # XXXX {$550.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service ( IRS ) , is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this discharged indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including discharged indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. Income, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this discharged indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently Equifax, XXXX, XXXX are in violation of the FCRA. 

Furthermore, the inclusion of this discharged indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I got a collection that has been reported on my credit reports for check n go but I have never got a loan from check n go. I also went and reviewed by bank account statements for the year in question and I have never received any funds from this place in any of my statements. Ive had the same and only bank account since a minor, and its to my understanding that advance check places would have had to collect my bank account information in order to approve a loan. Not once have they attempted to collect out my account or deposited any funds into my bank account for me to ever owe them any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX my wife and I applied for an auto loan at XXXX XXXX of XXXX. XXXX subsequent banks also filed an inquiry that day. My wife was not sold on the car or terms so we later in the day attempted to do an application that day at XXXX XXXX of XXXX. This dealership nor XXXX XXXX XXXX could pull credit. We have been on the phone most days for the past week totaling XXXX hours and counting trying to reach someone to help us. We have sent in a package of documents that have still yet to be received by Equifax, even after sending them overnight. We finally found out today, XX/XX/XXXX that now our credit reports are mixed together which is why we are having issues. I have been told to once again send in paperwork to prove my identity along with my wife. I am tired of spending money to have our issues fixed and Equifax continues to do nothing. I was told this morning I could dispute and upload the documentation through My Equifax this morning, and we noticed only my information is wrong. Her name is now all over my personal information page ( Name, SSN, DOB, Employer ). I did the dispute and uploaded all documents from the list, however now she is seeing the disputes in her MyEquifax so now I am impacting her report. This is absolutely absurd. No ones information should get merged without first validating what they receive. Now I can see all of her personal information, however what if this was a stranger?? A company doing business like this puts people at risk for fraud. Our jobs also pull background and credit checks- if this is not fixed this can cost us our livelihood. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I mailed a letter to XXXX XXXX, XXXX XXXX, Chase, XXXX XXXX, XXXXXXXX XXXX XXXX Bank, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history.

Neither of the companies replied to my letter, and neither one of them complied. 

I have attached the letter that I mailed each company on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I mailed a letter to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Barclays Bank, XXXX XXXX, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. 

Neither of the companies replied to my letter, and neither one of them complied. 

I have attached the letter that I mailed each company on XX/XX/2024.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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