vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: MI

Complaint narrative:
in accordance with the credit fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 602 A state i have the right to privacy 15 u.s.c 1681 section 602 A section 2 has also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MI

Complaint narrative:
in accordance with the credit fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 602 A state i have the right to privacy 15 u.s.c 1681 section 602 A section 2 has also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MI

Complaint narrative:
In accordance with the with fair credit reporting act XXXX  acount XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX mi XXXX Has violated my rights 15. u.s , c 1681 sections 602 A state i have the rights to privacy 15 u.s.c 1681 section 604 section 2 has also states a consumer reporting agency can not furnish a account without my written instuctions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of XXXX XXXX XXXX data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from XXXX in XXXX  that is still affecting me today and now I receive this letter.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of XXXX XXXX XXXX data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from Equifax in XXXX  that is still affecting me today and now I receive this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of XXXX XXXX XXXX data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from XXXX in XXXX  that is still affecting me today and now I receive this letter.

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 2024-01-07 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: DISCOVER BANK
State: GA

Complaint narrative:
My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times to discover and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet discover is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
Robinhood restricted my account XX/XX/XXXX. After much effort on my part to get it unrestricted, they are now terminating my account. My positions are all currently at a loss and I do not want to liquidate my stocks and XXXX  due to the tax implications and the fact that the crypto market is so volatile, I won't be able to get in at a good price on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
Inquiries don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received an Amex {$50.00} card for the holidays as a gift. I have been unable to use the card online or in person. The card has been declined everywhere, despite the fact that the card has been activated, and in checking repeatedly, the full amount remains on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 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: NJ

Complaint narrative:
Back in XX/XX/2023 I've sent out a follow up dispute dispute to Experian regarding an account that's reporting inaccurately on my consumer report. Experian responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all 3 major reporting agencies which all have different information reporting which violates 15 U.S. Code 1681- Congressional findings and statement of purpose. The payment history that Experian is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Experian to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Experian the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed. 



Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors

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 2024-01-07 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: GA

Complaint narrative:
I have already disputed these accounts in question XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX, XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX with the 3 credit agencies Experian XXXX and XXXX and the furnisher of the information on XX/XX/2023 the credit agencies responded back to me claiming that they have investigated the matter with the reported companies and found that all information is accurate and verified. 
I have included a copy of my most recent credit report showing all the inaccuracies listed on my report. 
it is the credit agency duty to remove accounts they are unable to verify but they knowingly left the incorrect information on my report and that it self is a violation

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 2024-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I did not receive a document stating from Aidvantage that student loans will start accruing on XX/XX/, and on a phone call with a representative, they said they failed to send it. I did not receive any statements, or correspondence via the mail. Moreover, they incorrectly accrued a massive amount of unpaid interest to my principal balance since XX/XX/, and I do not have correct details on their calculation. Since XX/XX/, I continuously saw {$0.00} amount due on their website for each active loan ( even during and without autopay ) and it was never clear I had to be making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax in regards to me being a victim of identity theft per FCRA 605b and I submitted my police report, identity theft ftc report, copy of my drivers license and social security card. I also explained that my personal information was compromised based on the Equifax Data Breach in which I have filed a claimed. Equifax has completely disregarded the FCRA 605b by not blocking and deleting the fraudulent accounts. I have have tried contacting the numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
An amount of {$51.00} was submitted on XX/XX/XXXX  for student loan repayment to EdFinancial Services. It was reversed on XX/XX/XXXX  but no notice was given for the reversal. An amount of {$100.00} was submitted on XX/XX/XXXX  and was reversed again the same day, with no notice via email, phone, or otherwise. My bank is connected to the account, all information is up to date and correct. No reasons have been given for the payment reversals and yet they continue to mark these as overdue. Autopay was set up prior but can not function due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MN

Complaint narrative:
Hi i'm reaching out today because I currently have a bankruptcy reporting on my consumer file that I did not consent to by law. This is a direct violation of 15 USC 1681b because I never gave the the courts written consent to post my private personal information to my consumer report. This is also a direct violation of my privacy under the privacy act of 1974 as I was never given an option to opt out of the reporting of this particular public record. This is my formal notice to opt out the reporting of this account on all of my consumer reports.

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 2024-01-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient continues to call back to back every hour on the hour every day beginning at XXXX XXXX and I just received a call today Saturday XX/XX/24 at XXXX XXXX. I have asked them to stop contacting me and my co-signer because they call all day nonstop to the point where we get in trouble at work because our phones are constantly ringing. They call every 30 minutes it seems like. We block one number then they call from ten other numbers. It feels like harassment at this point. I cant even function throughout my day without them calling my phone. Its constantly vibrating if I put it on do not disturb they call until the call goes through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CA

Complaint narrative:
XXXX, Transunion, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give XXXX, Transunion, and XXXX 5 days to correct this matter.

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 2024-01-07 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: CA

Complaint narrative:
Equifax, XXXX, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give Equifax, XXXX, and XXXX 5 days to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened two savings accounts with American Express on XX/XX/XXXX one was by mistake however I decided to keep both. I made 2 deposits on XX/XX/XXXX totaling {$3100.00}. 
another XX/XX/XXXX {$5000.00} another XX/XX/XXXX {$1900.00} and another XX/XX/XXXX {$9000.00} and then requested a withdrawal {$15000.00} to pay my quarterly income taxes and which was rejected. The other account I deposited {$3100.00} on XX/XX/XXXX and made another deposit XX/XX/XXXX for {$10000.00} and requested a withdrawal of {$10000.00} on XXXX and was denied the withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
Prior to opening this account I had asked many agents if I would qualify for this bonus and if there were any accounts open in the past that would prevent the bonus from being applied. Everyone advised me that I was eligible. Then after the account was opened many managers and reps started to say that my direct deposit did not qualify and that the account would not recieve the bonus. After attempting to escalate this concern to the highest level I did not get a resolution. An manager agreed to review the calls to validate my concerns but never got back to me with the resolution and had mentioned that she would request to have my bonus applied to the account. Then there was some back office team that tried to change the story and said the actual reason I did not get the bonus was because of some previous account that was opened within the time period that would not qualify for the bonus. This was never mentioned to me before during and after the account was open. The bonus was {$400.00}

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 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
am not liable for this debt with MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone # ( XXXX ) XXXX, I disputed this account with XXXX 3 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said Midland Credit Management Inc keep saying is accurate and they won't provide them with any verification.

Company response to consumer: Closed with non-monetary relief