vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' XXXX and Equifax are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to Equifax, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services

Company 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 2024-07-30 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I sent a formal letter disputing this alleged debt on XXXX  and requesting validation of this alleged debt which I did not receive sufficient evidence verifying this alleged debt nor was I given the opportunity to dispute this alleged debt prior to it being reported on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS BANKRUPTCY XXXX XXXX XXXXXXXX TO BE REPORTED / FURNISHED ON MY CONSUMER REPORTS, XXXX, XXXX. I DIDNT GIVE XXXX XXXX XXXX XXXX TO GET INTO MY PERSONAL BUSINESS OR TO REPORT MY PRIVATE OR PUBLIC INFORMATION TO ANYONE I HAVE NO BUSINESS WITH XXXX XXXX. IF YOU BELIEVE I DID PLEASE PROVIDE DOCUMENTS WITH MY HUMAN NATURAL XXXX  LIVING WOMAN WET SIGNATURE CLAIMING PROOF THAT I GAVE XXXX XXXX CONSENT. IM DISPUTING THIS TO THE FULLEST AGAINST XXXX, XXXX XXXX XXXX IF THIS ISNT DELETED I WILL MOVE TO LITIGATION DEMAND DELETION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My credit card payment and line of credit are payed. However, up until this time still reflect as not paid. Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NPG Associates, Inc.
State: CO

Complaint narrative:
My card was locked on the day I was supposed to make a payment. The company called and I told them I was in a meeting at work. They kept being insistent and rude. I called to complain and the XXXX of XXXX threatened legal action and threatened to cancel my payment plan. I explained to him the situation about my card and he insisted on telling me that I was making excuses and I dont know how to manage my money or responsibility. I ended up making a payment later that day to resolve the issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: CT

Complaint narrative:
Hello- I am reaching out to parent company Fiserv  XXXX XXXX XXXX XXXX  XXXX ) because a payment that was to be processed to me was never received. 

Merchant used XXXX ( intermediary/payment processor ) to initiate a refund/credit to me and it's missing. I am looking for help to find where it went and what happened. 

Please see attachment and also details below. 

On XX/XX/2024 an XXXX  transfer was initiated for the amount of {$2600.00} from XXXX routing number XXXX to be received at XXXX routing number XXXX account number ending XXXX. 

XXXX XXXX ID # = XXXX I've never received the funds transfer as of today XX/XX/2024. 

I would like an employee at Fiserv specializing in XXXX type XXXX to provide me with the following. 
XXXX ) Was the transfer sent successfully to XXXX or was it Rejected/Returned to the XXXX 's bank account? 
XXXX ) What was the error ( XXXX XXXX code )? XXXX - XXXX XXXX Account XXXX. 
XXXX ) Please provide the XXXX XXXX XXXX ID ( XXXX digit # )? 
XXXX ) My XXXX routing/checking account numbers were ( XXXX XXXX XXXX XXXXccount numbers ( virtual ). Was there an issue processing it there specifically? 

Thank you for your time. I hope to be able to find where my funds landed.

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 2024-07-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
A credit card that I did not apply for/ had no knowledge of showed up on my Equifax credit report. The card has an {$8000.00} credit limit and was issued by XXXX XXXX  XXXX XXXX XXXX XX/XX/year>. I submitted a dispute with Equifax a few days prior to XX/XX/XXXX, and Equifax responded on XX/XX/XXXX saying they verified the card belongs to me, which is incorrect. Equifax also updated the current balance on this card to {$1200.00}. I tried to call XXXX XXXX  XXXX XXXX XXXX XXXX XXXX but couldnt get through to anyone until XX/XX/XXXX where no one could give me any information because they dont have a file for anyone with my information ( name, DOB, SS # ). I called Equifax on XX/XX/XXXX who said the only thing they could do is refile a dispute and that I should file a fraud report with the FTC. FTCs site led me here where I am now filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I moved out of apartment on XX/XX/XXXX, due to the apartment not being able to get XXXX roaches removed from my apartment after a few months of complaining. I'm allergic to them and was getting really sick. On XX/XX/XXXX, I requested an invoice from the XXXX XXXX, but they were under a different management, and I was given a contact to reach but it was only by email you could reach them. They did send me an invoice, but after reviewing the invoice, I noticed some information was incorrect. They were charging me extra for floor patching ( which I have pictures of the carpet looking better than when I moved in ), gas reimbursement charges ( gas was in my name, so how do I owe them? ), rent after I had already moved out for the following month, and trip service charges. I tried to reach back out to them to get this resolved but got no reply back. I do not feel like I should have this on my credit report when they are trying to add charges and my deposit should have covered the realistic amounts, if any. The place was left better than when moved in, other than the roach infestation the surrounding tenants had, and apartment complex was not fixing.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY

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 2024-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
They charged my loan off cause I was struggling to pay it but I will when I get on ssi or the VA stuff right now I can't work

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I filed a dispute XXXX charge that I made from Home Depot for a defective item. Home Depot credit card never issued me a temporary credit. I lost the case and then Appealed. Home Depot then issued me a credit and I also received the email. Then several weeks the hike depot credit card charged me for the safe again! I called many times and they know they charged me even after Home Depot gave me a refund also they know they never issued me a temporary credit. This is complete fraud and illegal. The representative that I am on the phone with admits that this is not correct

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