vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: GA

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 NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-01-24 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: RI

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.

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 non-monetary relief
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

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 2024-01-24 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: GA

Complaint narrative:
Kindly update my account and remove the inaccurate late payment.

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 2024-01-24 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: MD

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. 

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 non-monetary relief
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau following notification that I was the victim of a data breach which has led to the appearance of unauthorized and suspicious accounts on my credit report. 

Upon reviewing my credit report, I have identified several accounts that I believe have been opened fraudulently as a direct result of this breach. 

Please see attached documents. 

As a consequence of these unauthorized accounts, my credit score has been adversely affected, and my personal financial standing is at risk. This situation constitutes a serious infringement of my rights and privacy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby demand the immediate removal of these items from my credit report. Furthermore, I am seeking statutory damages in the amount of {$1000.00} for each instance of illegal reporting by the credit bureaus as allowed under the FCRA. It is my understanding that entities who fail to maintain proper procedures to ensure the accuracy of my credit information are liable for such damages. 

I trust that the CFPB will take my complaint seriously and assist in rectifying this situation promptly. I expect to be notified of the actions taken on my behalf and to receive confirmation that the fraudulent accounts have been removed from my credit files. 

Please find enclosed copies of my credit report highlighting the suspicious accounts, along with any other relevant documentation.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
My business banking acount with bank of america was locked on XX/XX/year> for suspected fraud because I ran payroll using XXXX  and changed the verification phone number. I have spent XXXX hours on the phone with customer service agents, sales, fraud deparrment and others trying to regain access to the account. The only " solution '' offered is to walk into a branch. I live in XXXX and there are no branches here. I need access to my accounts restored and restrictions removed. This is drastically negatively impacting my business.

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 2024-01-24 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.

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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : CREDIT COLL XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: OH

Complaint narrative:
XXXXRe : Follow-Up Report - Unauthorized Reporting and Refusal to Opt Out** Dear [ CFPB ], I hope this letter finds you well. I am writing to follow up on my previous communication regarding the unauthorized reporting of my information and the company 's refusal to honor my request to opt out, as detailed in your report ( attached ). 

**Background : ** On [ XX/XX/XXXX ], I submitted a request to opt out of reporting as per the procedure outlined in your company 's report. The report explicitly mentions that authorization is required for opting out. However, to my dismay, your company has refused to fulfill this request, contrary to your own stated procedure. 

XXXXCompany 's Response : ** Despite the clear instructions in your report, I received communication on [ XX/XX/XXXX ] indicating that my request to opt out was denied. This raises concerns about compliance with the Privacy Act, USC 1681, and 6802, which I have previously highlighted. 

**Legal Violations : ** I want to reiterate the importance of complying with the Privacy Act and relevant U.S . Codes, which require adherence to the procedures outlined by the company itself. Failing to honor the opt-out request as per your own guidelines may constitute a violation of these regulations.

**Request for Resolution : ** I kindly request that [ XXXX XXXX ] promptly rectify this situation by honoring my request to opt out, as clearly outlined in your own report. This will not only ensure compliance with applicable laws but also demonstrate a commitment to ethical and lawful business practices. 

**Documented Evidence : ** Attached to this letter is a copy of your report, where it explicitly states the requirement for authorization to opt out. I believe this documentation reinforces the legitimacy of my request and the company 's obligation to adhere to its own procedures. 

**CC to Regulatory Bodies : ** As a consumer concerned about the proper handling of personal information, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I am committed to resolving this issue through appropriate channels. 

I trust that [ XXXX XXXX ] will take swift action to rectify this matter. Your cooperation in promptly addressing this concern will be appreciated. 

Thank you for your attention to this matter. 




Complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: OH

Complaint narrative:
XXXXRe : Follow-Up Report - Unauthorized Reporting and Refusal to Opt Out** Dear [ CFPB ], I hope this letter finds you well. I am writing to follow up on my previous communication regarding the unauthorized reporting of my information and the company 's refusal to honor my request to opt out, as detailed in your report ( attached ). 

**Background : ** On [ XX/XX/XXXX ], I submitted a request to opt out of reporting as per the procedure outlined in your company 's report. The report explicitly mentions that authorization is required for opting out. However, to my dismay, your company has refused to fulfill this request, contrary to your own stated procedure. 

XXXXCompany 's Response : ** Despite the clear instructions in your report, I received communication on [ XX/XX/XXXX ] indicating that my request to opt out was denied. This raises concerns about compliance with the Privacy Act, USC 1681, and 6802, which I have previously highlighted.

**Legal Violations : ** I want to reiterate the importance of complying with the Privacy Act and relevant U.S . Codes, which require adherence to the procedures outlined by the company itself. Failing to honor the opt-out request as per your own guidelines may constitute a violation of these regulations.

**Request for Resolution : ** I kindly request that [ XXXX XXXX ] promptly rectify this situation by honoring my request to opt out, as clearly outlined in your own report. This will not only ensure compliance with applicable laws but also demonstrate a commitment to ethical and lawful business practices. 

**Documented Evidence : ** Attached to this letter is a copy of your report, where it explicitly states the requirement for authorization to opt out. I believe this documentation reinforces the legitimacy of my request and the company 's obligation to adhere to its own procedures. 

**CC to Regulatory Bodies : ** As a consumer concerned about the proper handling of personal information, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I am committed to resolving this issue through appropriate channels. 

I trust that [ XXXX XXXX ] will take swift action to rectify this matter. Your cooperation in promptly addressing this concern will be appreciated. 

Thank you for your attention to this matter. 




Complaint number 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
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - XXXX  payment - Original balance {$2000.00} Highest balance - Terms XXXX XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I keep receiving emails from an individual gmail account but the scammer is portraying to be PayPal. Giving me a paypal invoice stating that I ordered {$760.00} in bitcoin exchange, which I have not. Further more, this is phishing scam and fraud because paypal uses business email accounts not personal gmail accounts like this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE GROUP just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
On or about XX/XX/XXXX my XXXX XXXX XXXX was repossessed. Before this date, I in good faith submitted an ACCORD AND SATISFACTION XXXX XXXX XXXXXXXX XXXX XXXX with a redeemable Postal Money as payment. on XXXX different occassions. The XXXX money orders were redeemed. Therefore, I thought the payments were settled. XXXX XXXX later I began receiving threatening phones from a representative XXXX XXXX XXXX informing me that my vehicle would be repossessed. She informed me that the ACCORD and SATISFACTION was an unacceptable for of payment. yet she refused to provide me with proof. After that encounter I began properly filling out my XXXX  statement ( on XXXX occasions ). Again she informed me that that was unacceptable and refused to provide me with proof. Within XXXX XXXX my Honda XXXX  was locked and my vehicle was repossessed. Upon researching my contract and rights in this matter I have found that several of my consumer rights were violated. Also they are inaccuratlely reporting on my credit report. Honda has charged off the debt. A XXXX XXXX is income. Make it make sense. 

15 USC 1601, 15 USC 1667 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ), 15 USC 1667a ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 11 ), 15 USC 1667b ( a ) ( b ) ( c ) ,15 USC 1667d ( a ) ( b ) ( c ) 15 USC 1602 all, 12 CFR 1002.7, 12 CFR 1002.4, 12 CFR 1022 ( v ), 18 USC 8, 12 CFR 1016 ( p ) 15 USC 1692 ( g ), 15 USC 1692 ( f ) 31 USC 312, 12 CFR 1005.34, 12 CFR 1005.36 15 USC 160, 15 USC 1666 ( b ), As well as, my 4th amendment/ article 6th " the right to secure in my person... property ... without seizure .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I had my auto insurance through XXXX, my rates continued to increase. I spoke with them several times from XXXX thru XXXX of 2023 about rates and options. On each and every call I informed them that if this could not be resolved that I would be terminating my policy with them. 

I terminated my policy and then was told because I didn't notify them I would be assessed part of my policy, I argued profusely with them and asked for proof of where it stated I would be responsible for this balance. They could never provide, just stated it was their policy. For the entire time I had coverage with them I paid them, this is an amount that they are trying to collect for additional time, additional time in which they provided zero coverage for me. I was already with a new carrier

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau following notification that I was the victim of a data breach which has led to the appearance of unauthorized and suspicious accounts on my credit report. 

Upon reviewing my credit report, I have identified several accounts that I believe have been opened fraudulently as a direct result of this breach. 

Please see attached documents. 

As a consequence of these unauthorized accounts, my credit score has been adversely affected, and my personal financial standing is at risk. This situation constitutes a serious infringement of my rights and privacy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby demand the immediate removal of these items from my credit report. Furthermore, I am seeking statutory damages in the amount of {$1000.00} for each instance of illegal reporting by the credit bureaus as allowed under the FCRA. It is my understanding that entities who fail to maintain proper procedures to ensure the accuracy of my credit information are liable for such damages. 

I trust that the CFPB will take my complaint seriously and assist in rectifying this situation promptly. I expect to be notified of the actions taken on my behalf and to receive confirmation that the fraudulent accounts have been removed from my credit files. 

Please find enclosed copies of my credit report highlighting the suspicious accounts, along with any other relevant documentation.

Company response to consumer: Closed with non-monetary relief