vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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:
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 2024-06-22 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: PA

Complaint narrative:
Summary : I am filing this complaint to report violations of the Gramm-Leach-Bliley Act ( GLBA ) by XXXX XXXX XXXX and TransUnion XXXX XXXX XXXX XXXX improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with TransUnion without my consent and in violation of privacy provisions under the GLBA. TransUnion also violated consumer protection laws by accepting and using this unauthorized information. 
Details : 1. Nature of Information Shared : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under 15 U.S.C. 6809, which includes " personally identifiable financial information. '' 2. Unauthorized Disclosure : o XXXX XXXX XXXX reported this payment history to TransUnion without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The Gramm-Leach-Bliley Act requires financial institutions to protect the confidentiality and security of NPI and to provide consumers with privacy notices explaining how their information is collected, used, and shared. XXXX XXXX XXXX failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the XXXX. TransUnion, by accepting and using this information, also failed to ensure compliance with privacy standards. 
Specific Consumer Laws Violated : 1. 15 U.S.C. 6801 ( GLBA ) : Protecting the confidentiality of NPI.

2. 15 U.S.C. 6802 ( GLBA ) : Providing privacy notice and opt-out options.

3. 15 U.S.C. 6803 ( GLBA ) : Initial and annual privacy notices.

4. 15 U.S.C. 1681b ( FCRA ) : Permissible purposes for consumer reports.

5. 12 U.S.C. 5531 ( Consumer Financial Protection Act of 2010 ) : Prohibiting unfair practices.

6. 15 U.S.C. 45 ( Federal Trade Commission Act ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both XXXX XXXX XXXX and TransUnion, the total fines for each entity would be : XXXX $ XXXX XXXX {$6000.00}

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 non-monetary relief
Consumer complaint received 2024-06-22 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: TN

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: OR

Complaint narrative:
Account Name : DEPT OF JUSTICE Child Support Account : XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of the information on my credit report. According to 15 USC 1681, I never gave written consent to [ Credit Bureau 's Name ] to furnish or obtain my personal information.

As per the Fair Credit Reporting Act, " No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. '' Since I did not provide written consent to [ Credit Bureau 's Name ], I have reasonable grounds to believe that the credit bureau has obtained and furnished my information inaccurately.

I request that you investigate this matter and remove any inaccurate information from my credit report as soon as possible. Please provide me with written confirmation that the disputed items have been removed or corrected. 

Thank you for your prompt attention to 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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have 2 problems with my bank.

My 1st issue is I have a dispute I had placed on my account for a charge that was authorized by XXXXXXXX XXXX XXXX around XX/XX/XXXX around the time all my identity was stolen from my place. XX/XX/XXXX ( 5 Months Later ) I get a charge on my bank account for {$6800.00}. I have no bills from them I had no calls from them. I simply received a charge with no explanation. I call Citibank to file a dispute over the charge and they say nothing but continues to hold a charge of {$6800.00} on my account as a result of identity theft. 

My next issue XX/XX/XXXX I had a random {$5000.00} from XXXX XXXX  which is a company I deal with from time to time. I immediately called XXXX XXXX to see why I was getting charged and they told the charge belonged to someone by the name of XXXX and that they could not reverse it. That I had to call the originator to reverse it. 
After several failed attempts I called my bank. I filed a dispute and it took my bank 5 Months to investigate and return my funds on XX/XX/XXXX and close the case. 

2 Months later Citibank goes in my account and debits me {$5000.00} on XX/XX/XXXX taking the funds back from me again. 
I then called Citibank to see what happened and the informed me that XXXX XXXX says they gave it back to me. Which I never received anything and they gave me no proof. I'm really tired of being taken advantage of from my financial institution. My account is overdrawn and facing closure after 4 years of good banking due to these unresolved disputes.

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 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Police Report Case Number XXXX This is in addition to cfpb complaint number : XXXX I have not received any updates from Money Network. I have been unsuccessful trying to get my money returned to me. They are unresponsive. It is my understanding that they have XXXX business days to report the findings to me, nothing has been reported to me. You also state that if the bank or XXXX XXXX can't complete its investigation within XXXX days, it must generally issue a temporary credit to my account for the disputed amount. Money Network has XXXX safeguards for its account holders. 

I have received no phone calls, emails or written documentation from Money Network since my claim was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: 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 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 2024-06-22 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: OR

Complaint narrative:
Account Name : DEPT OF JUSTICE Child Support Account : XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of the information on my credit report. According to 15 USC 1681, I never gave written consent to [ Credit Bureau 's Name ] to furnish or obtain my personal information.

As per the Fair Credit Reporting Act, " No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. '' Since I did not provide written consent to [ Credit Bureau 's Name ], I have reasonable grounds to believe that the credit bureau has obtained and furnished my information inaccurately. 
I request that you investigate this matter and remove any inaccurate information from my credit report as soon as possible. Please provide me with written confirmation that the disputed items have been removed or corrected. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: WI

Complaint narrative:
TransUnion credit report agency refuses to honor FCRA.. 
Federal credit reporting agency Attached documents below .they allow companies called XXXX XXXX XXXX XXXX to apply $ XXXX this shown on my account doesn't match below records even social security XXXXnformation doesn't match l Have copys TransUnion request my social security number to provide to XXXX XXXX Cause there information doesn't match. Records. That why l have Fraud in closed I provided copies my drivers license. .and provide social security card info this account been disputed. Since XXXX. FCRA. Stated if information shows not correct .should be removed .instead. It has remained on my creditreport .it has already been XXXX xdisputed TransUnion supervisor requested police report. I provided included in the dispute XXXX provided police reports this. Accunt Showing up on my credit report. Seems tranunion request information it helps these. company win dispute. I also have FRAUD inplace Alerting All companies not to file on my credit report. Why the reason of the fraud alert. I placed but instead TransUnion is holding me accountable for account.have all information to remove this off my credit report l refuse to make a payments on anything that doesn't belong

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 2024-06-22 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: WI

Complaint narrative:
XXXX, XXXX. Refused to follow FCRA requirements which copy is attached. I have copied disputes found on my CFBP account records XXXX. I have disputed and was granted. Decision of Deleting accounts from off my credit report.continue remaining. Have provided police reports identification. These accounts still remain .nor change accurate found anywhere on my credit report my scores has decreased. While making payments on my accounts on time payments. I have fraud alerts place on my account. Question. Why is fraud alert in place.you are allowing companies to place wrong information showing on my credit report.. You requested dispute I have dispute accounts and received letter granting to remove these accounts. Instead finding these accounts were. Remove. And replace. I refuse to dispute any information. Now. Because how it has resolved. On my credit report shows company name XXXX XXXX this company is reporting to credit bureau incorrect. I have attached letter dated XX/XX/year>. Records showing no late payments. Anywhere, XXXX webbanks l disputed XXXX. Receive letters to remove these accounts and won and the letter attached stated delegation wasn't aware after you have disputed. .shortly these companies will have these accounts replaced.. I'm reporting these companies to FRCA so adit randomly be unplaced. Attack records belonw this information has already been disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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:
There are items and and accounts on my consumer report that are a result of identity theft. Consumer reporting agencies, TransUnion, XXXX, XXXX are reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental distress, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I believe TransUnion, XXXX, and XXXX have not been meeting their reasonable procedures in a manner that is fair and XXXX. The frivolous and inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which both organizations have failed to validate the alleged debt/account. There are no contracts existing between the consumer and the organization reporting these erroneous accounts. Furthermore, my concern is how the organization obtained my non-public personal information. TRANSUNION, XXXX, XXXX, XXXX XXXX XXXX, and XXXX are in several violations of the Fair Debt Collection Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b 15 USC 1681q ) makes me wonder if they're attempting to conspire to create a false belief the consumer owes such an alleged debt and extortionate the consumer.

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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ADP Inc.
State: NC

Complaint narrative:
My name is XXXX and I currently have a checking account with wisley adp and I have a disputed charge that is being investigated. I called to dispute the charge and they tell me in order to get provisional credit I have to get a form in the mail, fill it out and send it back by a certain timeframe that would be impossible to make, I then asked and spoke to a supervisor who promised me that they would escalate the situation and I would see a credit within XXXX hours and that never happened. I talked to another supervisor and they told me that provisional credit would be impossible without the form and now its even less time since the first supervisor so now Ive been lied to and have no time to receive, fill out and send back the form within the deadline and I want justice seemed for both the dispute and the falsifying of actions to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom it may concern, I am a victim of identity theft, and I did not authorize this charge with this merchant. I would like to ask you to please compel US Bank to remove the fraudulent charges, that any finance and other charges related to the fraudulent amount be credited back to my account, and that I receive an accurate statement. This request is made under the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). US Bank is currently in violation of the Fair Credit Billing Act. 

I have never authorized the following charges : XX/XX/year> XXXX {$79.00} XX/XX/year> XXXX {$79.00} Enclosed are copies of US Bank 's letter refusing to credit the fraudulent charge, Proof of my Identity, and the Identity theft documents supporting my position. Please have US Bank investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : US Bank 's letter refusing to credit the fraudulent account My California ID Identity theft report and Police 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 explanation
Consumer complaint received 2024-06-22 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
Received a reinvestigation result from XXXX ( report # XXXX ) dated XX/XX/XXXX and noticed XXXX inquiries on my report from Convergent Outsourcing , INC . These were made on XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All without my prior permission. I do not have any business with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OK

Complaint narrative:
I have submitted an application through XXXX under the total and permanent XXXX ( TPD ) via the department of veterans affairs. I am 100 % TPD. XXXX has processed my application and provided the final decision from the Department of Education on XX/XX/year>. They also told me that an electronic copy was sent to Mohela my loan servicer to process the discharge. The letter was dated XX/XX/year>. I have been unable to get a correct answer from Mohela. Everyone I talked to on the phone has been giving me the run around. I have not gotten a straight answer from Mohela. I have written and called on multiple occasions and I still do not have the correct answer to what happens next since I was approved by Department XXXX XXXX to have my loan be completely XXXX. I have been placed or forbearance until XX/XX/year>. I am afraid that Mohela is holding on discharging my loans as authorized by XXXX of XXXX in order for them to continue to collect on the loan. I have reached out to Mohela on numerous occasions but I get the same answer that they were not notified by XXXX. I have letter to prove otherwise. It has been over 90 days and I still do not know what my next step is. XXXX says to contact Mohela and Mohela tells me to contact XXXX. I am in the middle being pulled by both departments. My complaint is on Mohela. XXXX did its part. Mohela is the company not proceeding with their obligations to complete my loan XXXX as directed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: MI

Complaint narrative:
Transunion, XXXX, & XXXX continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.

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