vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
The following violations are happening after several requests have been made to correct the inaccurate information. These accounts are reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Please address the following : Who is the furnisher used to verify these accounts? Provide written consent giving permission to report these accounts. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX I revoke written consent . Any reporting of the following accounts is against my wishes, and I would like to receive {$1000.00} per violation. I would like to exercise my rights to OPT out at this time. Especially since I was not given that right prior to the first day of reporting. I have also attached statements from the data furnishers saying that they have not disclosed any information on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
To whom it may concern, There are multiple collections coming after me that i have no idea the original creditor. I never signed any documents with any of these companies i will put in the attachments. I have tried to call XXXX XXXX XXXX XXXX, & spring oaks to have a better understanding what they think I purchased from them. To me this is all fraud and inaccurate information. As I asked them for proof as to why i owed them the money and they never provided any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/2024. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.

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 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
I have a title with Infiniti Financial as the lien holder. I paid them off in XXXX. They acknowledge that I paid them off in XXXX. They are refusing to provide me with a lien release so that I can sell my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NV

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But 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 aren't reporting correctly. 

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.

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 2024-05-28 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: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft and fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the identity theft statutes, underscore the necessity of consumer consent for the use and reporting of personal information. Missouri law emphasizes the protection of personal information and outlines clear guidelines for the fair use of consumer credit information. Unauthorized access and misuse of personal information constitute identity theft, which is a serious offense under Missouri law.

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws on identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including those concerning identity theft.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I tried to close my safe deposit box. I was told by XXXX XXXX to return to the XXXX branch on several occasions. Each time, I arrived, I was told that the locksmith was not available, as I needed to be there while the lock was changed. After keeping XXXX " appointments '' to close my safe deposit box acct., I spoke with the XXXX who reprimanded me for " expecting the locksmith to wait for XXXX hours in the lobby for me, '' pointing her finger at me and then at the lobby. She raised her voice, but I remained calm and then showed up again for the XXXX appointment, at which time, on XX/XX/XXXX, I again waited for the locksmith to arrive. This time, he arrived and my safe deposit box was closed. Today, XX/XX/XXXX, I received a letter stating that I will be charged {$70.00} for " setting up automatic payments for [ my ] safe deposit box. '' I will be contesting this fraudulent charge with my bank, but I need to alert other consumers about their treatment, deception, and fraudulent billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I Have disputed this several times with my credit bureaus and they refuse to remove. I dont know who the debt collector is. I do not have an account with them and never have. They refuse to provide me with the original contract and my signature as I e requested multiple times over the last XXXX XXXX years. I want this removed immediately from my credit report and my points restored. On top of it, they keep adding charges that are not real to the account and can not provide documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: KY

Complaint narrative:
I'm a XXXX widow me and my husband took out an equity line of credit on our house a {$50000.00} in 2005 My husband since then has passed I haven't making the payments of {$370.00} a month but then last month it went up an extra XXXX, I have tried three times now to refinance it and drop the payments and I keep being denied and I think it's because of my age I don't want to lose my house but I can not afford almost {$800.00} a month that is over half of my social security that I get they're not working with me it's through u.s Bank and I have tried everything and they're not giving me a reason for the denial either they gave me a number for collections well when I called them I don't have anything in collections through US Bank nobody seems to know why and nobody is giving me a reason on anything I'm at a loss and I don't know what to do now.

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 2024-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
The end of XX/XX/year> I was told to leave the apartment that I had resided in so that I personally didn't have to face an eviction and was told by the then manager of the building that if I did leave when she told me too I wouldn't have to worry about anything. I do know that I paid {$80.00} dollars for my deposit to move in and was under the impression that that {$80.00} would cover the XXXX hole I know for a fact that was in the wall. I left XXXX couch because I couldn't carry it and that XXXX hole in the wall wasn't big enough to charge me {$1300.00}. I tried reaching out to the XXXX housing and they told me because it's in collections they couldn't help me. I've tried to call and talk with the debt collector to let her know I am currently homeless and I really don't think I owe them that much. There are no pictures to prove that I even did that much damage. I just need some help on this.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dispute inaccurate items on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear GENESIS CRDT, I am writing to address a blatant violation regarding

the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws under Missouri statutes . It has unequivocally come to my attentio
n that GENESIS CRDT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. F

ederal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Specifically, Missouri 's identity theft statutes, such as Mo. Rev. Stat. 570.223, underscore the severity of unauthorized access and misuse of personal inf
ormation.

I assert with unwavering certainty that I have not provided consent for GENESIS CRDT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that GENESIS CRDT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that GENESIS CRDT will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.

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 2024-05-28 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: NV

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX # XXXX  XXXX, Account name : XXXX XXXX  # XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX. However, they stated everything was complete and accurate. But 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 aren't reporting correctly.

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 2024-05-28 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: NV

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX # XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX. However, they stated everything was complete and accurate. But 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 aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My roommate and I used to shop at this company that sells jewlry called shoplc. Starting in XXXX I saw XXXX charges on my credit card for XXXX. I called shoplc and a customer service person took all the stock numbers for these items.Did n't say much. I called Chase Bank where my credit card is through and just because both me and my roommate used to shop there tried to blame it all on her. She has her own tablet and does her own orders. She can't get in to my PC and she wouldn't do something so underhanded. Wouldn't XXXX orders in one month say fraud? Chase bank claims the items were shipped here. They were not as I would have returned them. If I can't get this resolved I am on the hook for nearly XXXX dollars worht of things I didn't order and did not recieve. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
XXXX- Open balance
XXXX XXXX XXXX- Original creditor
Opened-XXXX XXXX XXXX  (XXXX XXXX XXXX XXXX)
Original creditor name XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief