vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: GA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate 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 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even 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 non-monetary relief
Consumer complaint received 2023-09-05 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: MS

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXXXX/XX/XXXX ) Account name : XXXX XXXX ( XX/XX/XXXX ), Account name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I made a purchase at Target in store XXXX Ohio. 
The items were on sale 2 / {$8.00} so I purchased 4 total to equal {$16.00} I was charged {$20.00}. 

Over charged {$4.00}. 

I did call customer service when I noticed last month. I was told wait until posted on my bill and dispute. 
Today I reached out trying to do just that but was put through a second verification. 
I declined after being verified by automated and then one live agent. A third verification was a little much. 

I didnt return to the XXXX Store it was 40 miles away from my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Deposited an employer check for a new job and the e-check was altered ( fictitious ) and the bank closed my account. The first check from this employer cleared after an 11 DAY HOLD and the money was released. They have held all my money and have closed my debit card. They allowing deposits but why are they not allowing ach payment withdrawals? It has been over a month since they have closed my account and have not sent me my money. 

They want me to go into the branch but I can't make it in the time they are open.

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 2023-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I haven't ran my credit through these companies but they are showing up on inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a Bank of America customer and our family has been looking for a husky puppy. We found on XXXX a breeder near us. The breeder had asked to send money through the XXXX app for the puppies vaccines and vet visit, so I proceeded to send it first {$100.00} then in a couple of days {$80.00} and lastly {$150.00} making a total of {$330.00}. I was supposed to receive the puppy on Sunday XX/XX/XXXX and the breeder continued to make up lies and demanded for more money. This user is on XXXX XXXX as Blessed Husky Farm and goes by XXXX XXXX but might have the real name as XXXX XXXX, I have pictures and screenshots of conversation and as well as the money transfers. He blocked me and told me he guaranteed I wouldnt get my money back because hes done this a lot of times.

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 2023-09-06 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX - {$0.00} Account Name : XXXX XXXX  Account Number:XXXX  {$330.00} Account Name : XXXX Account Number : XXXX {$180.00} 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 of 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested Navient retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, Navient was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with Navient retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, Navient should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, Navient has yet to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I purchased an American Express gift card on XX/XX/, to use in opening a XXXX account. 

Someone used a fake XXXX account, a fake XXXX customer service contact and stole {$400.00} off my gift card. 

Ive tried to get some assistance through American Express and XXXX, all to no avail. 

I am a widow mother of XXXX, and I can not afford to have {$400.00} stolen from me. 

I opened the XXXX to help out with selling items to pay my bills. 

Im very disappointed that no one is trying to help me get this resolved. 

The merchant is XXXX, a clothing store. XXXX  or XXXX? Im not sure, but I think this is just disturbing to have consumers being scammed, every day!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 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: IN

Complaint narrative:
To whom it may concern, I asked Experian to reinvestigate accounts on my credit file. 
XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX I asked for them to produce a copy of the original singed contract with my signature on it and what was the method of verification was used.They couldn't produce the requested items. I asked for, I never received it. According to 15 U.S.C. 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. It also states : no consumer reporting agency can not furnish an account without my written instructions. It has been more than 30 days and by State and government law, the disputed accounts must be removed. I also sent everything in certified mail. This is a violation of my rights. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. They could not produce the original signed contract with my signature on it, by State and Government law, the disputed accounts must be removed.

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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime declined my credits for transactions that were in authorized. They basically said we have to wait for the investigation to commence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I haven't ran my credit through these companies but they are showing up on 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 explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by XXXX XXXX XXXX. In XXXX of XXXX, I became aware that XXXX had reported a Credit card charge-off on my credit report. I disputed this account and requested through the three credit burease and to XXXX directly if that could produce a signed contract that is needed to verify an account according to the FCRA. They did not have the required documentation to verify this account. I went through five rounds of reinvestigations over the course of two and a half years and not once were they able to produce any documentation that would verify this account in accordance with the FCRA. It has now been over seven years since this account was listed delinquent and it is time-barred from being reported on my credit report. After notifying XXXX of the law and their inability to continue to report this debt, I was met with an act of retaliation. XXXX recently flagged that account as a charge-off, again, even though it was charged-off over seven years ago. How can an account be charged-off more than once? This is clearly inaccurate and is a deliberate act to harm me for the protected activity of requesting verification of a debt. This retaliatory act has caused my credit score to drop significantly and has defamed my character. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. My only goal was to get XXXX to follow the law, now I am paying the price. I am requesting that XXXX XXXX XXXX comply with the requirements of the Fair Credit reporting act and the Fair Debt Collections Practices Act and delete this time-barred account from my credit report. If XXXX refuses to follow the law, I will file suit for Defamation of Character, Retaliation, and Fraud under the FCRA.

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 2023-09-06 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by XXXX XXXX XXXX. In XXXX of XXXX, I became aware that XXXX had reported a Credit card charge-off on my credit report. I disputed this account and requested through the three credit burease and to XXXX directly if that could produce a signed contract that is needed to verify an account according to the FCRA. They did not have the required documentation to verify this account. I went through five rounds of reinvestigations over the course of two and a half years and not once were they able to produce any documentation that would verify this account in accordance with the FCRA. It has now been over seven years since this account was listed delinquent and it is time-barred from being reported on my credit report. After notifying XXXX of the law and their inability to continue to report this debt, I was met with an act of retaliation. XXXX recently flagged that account as a charge-off, again, even though it was charged-off over seven years ago. How can an account be charged-off more than once? This is clearly inaccurate and is a deliberate act to harm me for the protected activity of requesting verification of a debt. This retaliatory act has caused my credit score to drop significantly and has defamed my character. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. My only goal was to get XXXX to follow the law, now I am paying the price. I am requesting that XXXX XXXX XXXX comply with the requirements of the Fair Credit reporting act and the Fair Debt Collections Practices Act and delete this time-barred account from my credit report. If XXXX refuses to follow the law, I will file suit for Defamation of Character, Retaliation, and Fraud under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by XXXX XXXX XXXX. In XXXX of XXXX, I became aware that XXXX had reported a Credit card charge-off on my credit report. I disputed this account and requested through the three credit burease and to XXXX directly if that could produce a signed contract that is needed to verify an account according to the FCRA. They did not have the required documentation to verify this account. I went through five rounds of reinvestigations over the course of two and a half years and not once were they able to produce any documentation that would verify this account in accordance with the FCRA. It has now been over seven years since this account was listed delinquent and it is time-barred from being reported on my credit report. After notifying XXXX of the law and their inability to continue to report this debt, I was met with an act of retaliation. XXXX recently flagged that account as a charge-off, again, even though it was charged-off over seven years ago. How can an account be charged-off more than once? This is clearly inaccurate and is a deliberate act to harm me for the protected activity of requesting verification of a debt. This retaliatory act has caused my credit score to drop significantly and has defamed my character. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. My only goal was to get XXXX to follow the law, now I am paying the price. I am requesting that XXXX XXXX XXXX comply with the requirements of the Fair Credit reporting act and the Fair Debt Collections Practices Act and delete this time-barred account from my credit report. If XXXX refuses to follow the law, I will file suit for Defamation of Character, Retaliation, and Fraud under the FCRA.

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