vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: UT

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 : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX - {$XXXX} - exp XXXX XXXX XXXX {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX  XXXX - {$XXXX} - all3 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX se

ction 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 2024-08-08 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.

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing to request that Regional Acceptance provide me with the separate Truth in Lending Disclosure document mentioned in the refinancing agreement with XXXX XXXX XXXX. 

Under federal truth in lending laws, specifically Regulation Z, lenders are required to provide these detailed disclosures, including the Annual Percentage Rate ( APR ), finance charge, amount financed, and total of payments, before the consumer becomes obligated on the loan. 

I have received two documents from you regarding this auto loan, but both of them state final agreement, that they are just estimates, and that a separate Truth in Lending Disclosure will be provided. All of these statements are contradicting. I never received this separate Full disclosure document as required by law that is mentioned. Without these disclosures, I am unable to fully understand the terms associated with this auto loan.

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 2024-08-08 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-08 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:
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NV

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I applied for a {$30000.00} personal loan with SoFi via their app. When given the option on the application to provide SoFi with proof of employment/income, there was an option to provide future proof of employment. I have two jobs and one of them was starting on XXXX XXXX. SoFi asked me via their application to upload the offer letter of my future employment, which I provided. I was not given the option to provide a payslip for my second job, but I uploaded that as well. SoFi accepted the documents. On XX/XX/year>, SoFi emailed me requesting that I provide Verification of Employment from my employer. ( Disclosure : Sofi did not indicate in the application that after submitting future proof of employment, that I would have to provide the proof of employment via a form provided by SoFi that my employer would need to complete and send back to them directly ). As instructed, I had my employer fill out the form SoFi requested and sent to the provided email : XXXX. My employer sent the Verification of Employment form on XX/XX/XXXX and XX/XX/year>. SoFi claims to not have received the email nor the Verification of Employment form within the email. On XX/XX/year>, I sent SoFi a copy of that form from my personal gmail that I received from my employer. SoFi did not accept this document because it needs to come directly from my employer. I called SoFi on a recorded line on XX/XX/year>, to find a solution. The would not accept anything besides the Verification of Employment form provided directly from my employer. I have offered my payslips in lieu of that form to prove my employment. SoFi rejected this alternative method of proof. As my credit report was checked at the time of application, I know my employer was listed on it, hence SoFi must have seen this on the hard credit pull. I have my employer listed on my credit report because I signed a contract with them prior to start date of XX/XX/year> and received a signing bonus from them prior to starting, which was received on XX/XX/year>. Me and my employer have fulfilled the obligation SoFi has put on me but has refused to accept any proof that has been submitted. In addition, on XX/XX/year>, I forwarded the email that my employer sent to me with the document SoFi requested, to the email : XXXX. I have not received word of this will be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Re : XXXX, account ending XXXX I opened an online checking account with Citibank. 
Citbank froze my account to all access after I tried to purchase a money order at XXXX in XXXX, XXXX for $ XXXX XXXX weeks ago. I do not recall the precise date, as I am unable to do anything with my account. I did present my state id, and phone at XXXX which matches my account. 
I talked to XXXX agents after the account was locked, and they refused to unlock it. 
I provided my secret word, and gave my debit card information which was in my possession. They claimed my phone would not accept short code texts with a secret code. My phone network, phone, and programming were checked by senior tier XXXX technicians, and it was determined it was working fine I was told they would send a letter with a secret code. 
After nearly XXXX weeks, a XXXX from Citibank called me on XX/XX/XXXX,, and informed me that no letter was sent, but she would do it. 
I received the letter, and after giving the code to XXXX agents in the past week, they refuse to call me back, or unlock my account, after hours on the phone. 
The XXXX agents were quite rude, and acted in cadence, as I were a criminal.

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 2024-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Porsche Financial Services, Inc.
State: CO

Complaint narrative:
In XXXX of XXXX, I, XXXX XXXX, took possession of a XXXX XXXX XXXX XXXX  from XXXX XXXX in XXXX, Colorado. Since then I have been the exclusive owner of this vehicle. Therefore, let it be known that I, XXXX XXXX, do hereby claim this vehicle to be mine by right of possession and usage and do not recognize any counter claims secured through fraud such as the one being made by Porsche Financing XXXX who falsely secured the title to this property with bank credit fabricated from nothing thus failing to provide proper consideration. Let it be further knowing that any attempts to take this property from XXXX XXXX or deprive him of his rightful usage are illegal and a violation of his rights. Should attempts be made by any person public or private, the owner maintains his right to lethal self-defense and will do so with impunity according to the Make My Day law of the State of Colorado. 

XXXX XXXX is open to receiving counter claims at his residence provided those claims can prove legitimate ownership. XXXX does not recognize claims of ownership that can not prove possession, usage, or a valid transfer of title. Any claims to a valid transfer of title that were secured with Federal Reserve Notes ( ie U.S. Dollars ) are dismissed as null and void, failing the requirements of contract law. Any precedent of lending institutions successfully using Federal Reserve Notes to secure contracts is invalid on this basis. 

This post serves as public notice. I dont have the time, resources, energy, nor will to navigate the convoluted legal system that has been complicated by the vested interest of attorneys and their law firms. XXXX XXXX would further like to inform the Porsche Financing XXXX and the CFPB that he is training hundreds of thousands of people worldwide how to expose the fraudulent and deceptive practices of the Federal Reserve System and its participants in depriving people of their rightful possession and usage of their private property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hi, I am trying very hard to get connected virtually on the phone with the XXXX XXXX. I have the business card, it is the USBank Triple Cash Rewards Visa. I do not see any contact options in writing online to do this. I do not have any formal branches in New Jersey to go to. To talk about this to Customer Service specialist is not relevant. And I told this to USBank on XXXX, to please send my topic to the XXXX XXXX but they did not do it. I need to tell the XXXX XXXX that, despite having one prior late fee reversal, I have a situation having been out of my control on XX/XX/XXXX because the Settlement Lawyer sent to my home mailbox the check very late, and I incurred a late fee, and I only request one more time this reversal from USBank. I figured it was a reasonable thing to do due to having posted evidence correspondence for USBank. I needed to be informed yes or no please.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-08-08 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: NE

Complaint narrative:
I logged into the application to use my buying power, which was previously listed at {$1500.00}. However, when I logged in on XX/XX/2024, I was notified that I no longer had buying power and that they would not be providing me with buying power. Despite reaching out several times to inquire about this issue, I have received a blanket response stating that they do not provide details about their credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-08 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 recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation