vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX XXXX contacted me about an alleged debt and refused to send me documentation to validate the debt. The original creditor was notified months prior that I opted out of privacy sharing and release of the account information to nonaffiliated third parties but they sent the information to a third party, XXXX XXXX, anyway. 

I spoke to a XXXX XXXX employee ( manager XXXX ) on XX/XX/2023 who said he would send me the written documentation I requested. He failed to comply with the our oral agreement and I did not receive the information. 

I also advised on that call for them to cease from calling me and XXXX stated they would remove the account and send it back to TD Bank and stop calling me. This information was false because they called me several times on XXXX XXXX. 

I am requesting for the CFPB to do their job and help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I sign into my XXXX XXXX account to update personal information and just look at loan possibilities offers. 
I never requested any loan or gave information for the two companies to check my credit scores or completed a application for the loan. 
I received a email from the companies that I was not approved for a application I never applied for which did a inquiry on my account and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I sign into my credit Karma account to update personal information and just look at loan possibilities offers. 
I never requested any loan or gave information for the two companies to check my credit scores or completed a application for the loan. 
I received a email from the companies that I was not approved for a application I never applied for which did a inquiry on my account and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I sign into my XXXX XXXX account to update personal information and just look at loan possibilities offers. 
I never requested any loan or gave information for the two companies to check my credit scores or completed a application for the loan. 
I received a email from the companies that I was not approved for a application I never applied for which did a inquiry on my account and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Subject : Request for Investigation and Correction of Discrepancies on My Consumer Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported " late payments '' on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request an urgent rectification. 

Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. 

The accounts for which I have been erroneously marked as late are as follows : Kikoff Lending LLC : XXXX Paid as Agreed I have requested that the Consumer Financial Protection Bureau ( CFPB ) carry out an in-depth investigation of these issues. I would appreciate it if you could provide me with detailed statements that validate these supposed late payments. 

Should you not be able to furnish substantial proof of these late payments, I hereby request in compliance with FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status - " on time ''. This is imperative as I have never, to my knowledge, been late on these accounts. 

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Primus Law PC
State: UT

Complaint narrative:
Excessively threatened me with wage garnishment and refused to stop contacting my XXXX XXXX wife, I've called the actual lawyer, another assistant and his immediate manager and told them that XXXX is not to contact us any further in the future. The very next person that calls is is XXXX. This is not appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an 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 explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : # 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 explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an 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 explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance to 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. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, 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

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 2023-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom this may concern, Bank of America ( BOFA ). I have an EDD account with this bank. This is the second time my account has been compromised because I have this account. Thanks BOFA for protecting your members. On XX/XX/XXXX, I send the California EDD an email about a reduction of my payment because on XX/XX/XXXX, I was only able to withdraw {$440.00} from the ATM out of {$450.00} that was there. I was expecting to see {$900.00} like weeks before, so I sent EDD another email on XX/XX/XXXX because they had not responded to my email sent on XX/XX/XXXX. On XX/XX/XXXX, they finally respond to my email and suggest I contact BOFA directly because their system shows {$450.00} paid out to me on XX/XX/XXXX which was late and {$900.00} on XX/XX/XXXX. 
I contacted BOFA on XX/XX/XXXX to find out what happened to my money and they tell me that ATM withdraws were made on XX/XX/XXXX for {$450.00}. I thought weird because the ATM withdraws in only 20 and 100 bill increments, otherwise the week before I would have withdrew {$450.00} also and not {$440.00} when expecting to see {$900.00}. I suspected the EDD was messed up like they have been in the past. In the same conversation I tell them it was not me or anyone in the world I know so they send me to the claims department. Wonderful. The person tells me to fax over a copy of my ID with my claim # XXXX. I do it that same day. Two days later I call BOFA claims and they tell me my claim was denied because either me or someone I allowed withdrew that money. Really BOFA, your accusing me of committing fraud against your bank. How dare you treat your customers like common crooks. What a disgrace to have America in your name and act like a bank for crooks, even your BOFA representative said that is is a common crime and my type of EDD card gets targeted all the time. Let me see your statistics of these crimes at your bank and most importantly, what the freak are you doing about it BOFA! Accuse me, send in the FBI then and sue me first so I can make some money on your bank. BOFA has the proof and video surveillance of this crime. I filed a XXXX XXXX Police report # XXXX XXXX with XXXX # XXXX on XX/XX/XXXX because the BOFA failed to mention this to me when I faxed over my info to the claims department. Now more time has been was wasted.

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 2023-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I recertified my income for Public Service Loan Forgiveness with MOHELA in XX/XX/XXXX. On XX/XX/XXXX, they told me that my form had been processed, but none of my payments for XXXX have been correctly certified as qualifying. On XX/XX/XXXX, MOHELA told me via message they would review and process a correction within 14 days and that they would notify me when the correction is completed. To date, they have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report with XXXX, Trans Union, and XXXX. I noticed several items that were incorrectly being reported on my consumer file.There were several inaccuricies with XXXXXXXX XXXX Acct # XXXX. ( See Attached copy of consumer Report ). Across al three credit agencies with XXXX, Trans Union, and XXXX. 

On date reported Trans Union XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Active Trans Union XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Payment Trans Union XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Also, XXXXXXXX XXXX  violated my federal rights under FCRA 15 USC 6802. Obligations with respect to disclosure of personal information, Gramm-Leach-Bliley Act. There are certain requirements that are to be met, before a consumer personal information. Are to be disclosed the consumer under Norice Requirements must be meet. 

If the requiremens are not meet, the consumer rights are violated under FCRA `5 USC 6802. Under this section, of the law my rights have been violated by not following the Notice of Requirements by law. Therefore, I demand that this account be deleted under 15 USC 6802. 

( a ) Notice Requirements ; Except as otherwise provided in this subsection, ( a ) financial institution may not directly or through any affiliate disclose to a consumer non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I the consumer has a right to privacy, 15 usc 1691. In the disclosure of my personal information. I did not give you written permission or instructions to disclosure of my personal information. 

You XXXXXXXX XXXX are in direct violation of 15 USC 6802, and 15 USC 1681b. Permissible purposes of consumer reports. In accordance with written instruction of the consumer to whom it relates, did I give you written instructions to furnish this on my consumer report, furthermore as it pertains to the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 )..

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report with XXXX, XXXX XXXX, and Equifax. I noticed several items that were incorrectly being reported on my consumer file.There were several inaccuricies with XXXXXXXX XXXX  Acct # XXXX. ( See Attached copy of consumer Report ). Across al three credit agencies with XXXX, XXXX XXXX, and Equifax. 

On date reported XXXX XXXX XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Active Trans Union XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Payment XXXX XXXX XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Also, XXXX Bank violated my federal rights under FCRA 15 USC 6802. Obligations with respect to disclosure of personal information, Gramm-Leach-Bliley Act. There are certain requirements that are to be met, before a consumer personal information. Are to be disclosed the consumer under Norice Requirements must be meet.

If the requiremens are not meet, the consumer rights are violated under FCRA `5 USC 6802. Under this section, of the law my rights have been violated by not following the Notice of Requirements by law. Therefore, I demand that this account be deleted under 15 USC 6802.

( a ) Notice Requirements ; Except as otherwise provided in this subsection, ( a ) financial institution may not directly or through any affiliate disclose to a consumer non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

I the consumer has a right to privacy, 15 usc 1691. In the disclosure of my personal information. I did not give you written permission or instructions to disclosure of my personal information. 

You XXXXXXXX XXXX are in direct violation of 15 USC 6802, and 15 USC 1681b. Permissible purposes of consumer reports. In accordance with written instruction of the consumer to whom it relates, did I give you written instructions to furnish this on my consumer report, furthermore as it pertains to the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Ally Financial XX/XX/2021 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.

I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. 

According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. 

I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. 

Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation