vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
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 and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet this 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I've mailed multiple dispute letters to Equifax regarding an account which is reporting inaccurately. In the previous dispute letters I asked them to ensure that this account is reporting accurate information and to to remove anything that isn't accurate. They responded that this account is accurate but still even after multiple investigations I can prove that there are multiple inaccuracies reporting which is against 15 U.S. Code 1681i - Procedure in case of disputed accuracy, section ( 5 ) Treatment of inaccurate or unverifiable information. I am aware that it is the credit reporting agency 's duty to do what's fair and equitable for me as a consumer in which I believe I wasn't given a fair investigation. If Equifax responded that this information is accurate, how are there still multiple inaccuracies and violations reporting? Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions, subsection ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am aware that certain information is not included in a consumer report by definition which Equifax violated. They failed to properly investigate this account in which it reports totally different information than what the other credit reporting agencies are reporting. How can an account report 30 days late, then closed, 30 days late, then closed? The account number is completely different from what the other credit reporting agencies are reporting. I acknowledge that I have a right to privacy and in order for any account to be reported to my consumer report I must be given the right to opt out from this information being reported in which I never was never made aware of this from the creditor reporting this account. I would like to flex my option to opt out of this information being reported on my consumer report in which Equifax must abide by. By Equifax still reporting inaccurate information even after multiple attempts to investigate this account, my credit score is negatively impacted for their mistakes. Included in this complaint is a copy of my dispute letter and Equifax consumer report of the account with inaccurate information in which I believe is inaccurate. Attached to this complaint is a copy of this account that report to all 3 agencies which is reporting different information. 

Violations committed by Equifax : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased my vehicle in 2019 from USAuto. Ive made every payment on time as well to collateral and principals. I wasnt aware that USAuto had abruptly closed all their doors for business. I also wasnt aware of Westlake taking over my account. Unfortunately, on August 31st my ca was repossessed by Westlake the company I had no knowledge of. I called the police as I thought my car was stolen, who then informed me of what was taking place. I was able to retrieve my vehicle after paying $ XXXX. I then reached out to Westlake to find out how much would it cost me to pay my car in full and obtain my title. The representative stated that all I would need to pay {$240.00}. Which I comply by paying that amount. I receive a receipt with the amount I paid as well as to a note next it stating Costumer pay off I then followed up the following a few weeks afterwards to make sure that everything was ok since Ive havent received my title in the mail. But it was to my surprise, when I called Westlake they informed me that there was a balance of {$560.00}. I asked them where the additional amount came from and the representative stated they wasnt sure. When I called another day another representative state that it was the principal, another representative would go to say that it was a reverse payment from when I payed back in XXXX. When I reached out to my bank financial institution to investigate that particular transaction, I was told that no such thing happened. I added Westlake to the phone conversation with my bank.. he then confessed that I wasnt reversed. Westlake then stated that after doing their investigation it appears to have been a error on their end and that they would work on getting it resolved and removed from credit. But unfortunately as months passed Ive realized that they have not done anything to redo this issue.. despite the fact that I have several recorded conversations with Westlake stating that theyre working diligently to get this removed and that it should be removed from my account within the next 48 hours. Well that was 3 weeks ago and Im still waiting for Westlake to correct their wrong

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:
My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. I am listing all the negative accounts that are a result of the Equifax data breach. Equifax, XXXX XXXX XXXX XXXX account no : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account no # XXXX, XXXX, XXXX XXXX XXXX XXXX account XXXX # XXXX, along with XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, Please have these accounts deleted from my consumer repots immediately.

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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I could only check one box but there are other issues on my consumer report and that is my name is misspelled and there are numerous addresses that have never belonged to me. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
As of today XX/XX/, my checking account has a negative XXXX .Chase has taken 8 overdrafts fees from my account. Half of which is due to all the overdrafts fees. I recently had a death in my family therefor I haven't been working my full time job nor working during the holidays. I called Chase and provided them with this information, the representative was kind enough to take away 3 of the 8 overdraft fees that I have .And also suggested that I try calling back again to take another 3 off. I did and the next representative stated that nothing could be done. I am trying my best to keep account up to date but with all the over drafts fees its becoming harder and harder to maintain my checking 's account open.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
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 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: MI

Complaint narrative:
In accordance with the with fair credit reporting act XXXX  acount XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I did not authorize any hospital to release my personal information to any third party collection agency. This is a HIPAA Law violation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Upon reviewing the Master Promissory Note ( MPN ) related to my student loan account, I observed discrepancies that raise concerns regarding the reporting process. The FCRA mandates that a financial institution, in this case, the loan servicer, must clearly and conspicuously disclose to the consumer, in writing or electronic form, that nonpublic personal information may be disclosed to a third party. The MPN does acknowledge this disclosure concerning the reporting to credit bureaus.

However, as stipulated in 15 USC 6802 ( b ) ( 1 ) ( b ), the consumer should be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to a third party. Regrettably, I was not provided with the privilege to exercise this nondisclosure option, nor was there an explanation offered on how I, as the consumer, could opt out, as outlined in 15 USC 6802 ( b ) ( 1 ) ( c ).

I have attached a redacted copy of the MPN as evidence of my claim. On page 7 of 10, under section 21 regarding consumer agency reporting, it is evident that the document mentions reporting to credit bureaus while deliberately omitting the fact that I, as the consumer, had the option not to have my information reported, as required by consumer protection laws.

Considering these concerns and potential violations of the FCRA and 15 USC 6802, I request that you furnish me with a copy of the document demonstrating where and how I was given the opportunity to opt out of having my information disclosed without my written consent.

I anticipate your prompt attention to this matter and a thorough investigation into the inaccuracies and omissions outlined in this letter. I trust that you will take the necessary steps to rectify the reported discrepancies in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TN

Complaint narrative:
Upon reviewing the Master Promissory Note ( MPN ) related to my student loan account, I observed discrepancies that raise concerns regarding the reporting process. The FCRA mandates that a financial institution, in this case, the loan servicer, must clearly and conspicuously disclose to the consumer, in writing or electronic form, that nonpublic personal information may be disclosed to a third party. The MPN does acknowledge this disclosure concerning the reporting to credit bureaus.

However, as stipulated in 15 USC 6802 ( b ) ( 1 ) ( b ), the consumer should be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to a third party. Regrettably, I was not provided with the privilege to exercise this nondisclosure option, nor was there an explanation offered on how I, as the consumer, could opt out, as outlined in 15 USC 6802 ( b ) ( 1 ) ( c ).

I have attached a redacted copy of the MPN as evidence of my claim. On page 7 of 10, under section 21 regarding consumer agency reporting, it is evident that the document mentions reporting to credit bureaus while deliberately omitting the fact that I, as the consumer, had the option not to have my information reported, as required by consumer protection laws.

Considering these concerns and potential violations of the FCRA and 15 USC 6802, I request that you furnish me with a copy of the document demonstrating where and how I was given the opportunity to opt out of having my information disclosed without my written consent.

I anticipate your prompt attention to this matter and a thorough investigation into the inaccuracies and omissions outlined in this letter. I trust that you will take the necessary steps to rectify the reported discrepancies in my credit file.

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: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
am not liable for this debt with SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX XXXX, VA XXXX Phone # ( XXXX ) XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said Spring Oaks Capital Lcc keep saying is accurate and they won't provide them with any verification.

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:
My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am listing all the negative accounts that are a result of the XXXX data breach. XXXX, XXXX XXXX XXXX XXXX account no : XXXX, Transunion XXXX XXXX XXXX XXXX XXXX account no # XXXX, XXXX, XXXX XXXX XXXX XXXX account XXXX # XXXX, along with XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, Please have these accounts deleted from my consumer repots immediately.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am listing all the negative accounts that are a result of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please have these accounts deleted from my consumer repots immediately.

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: 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 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: 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 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am not liable for this debt with LVNV FUNDING LLC, C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone # ( XXXX ) XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said LVNV funding LLC keep saying is accurate and they won't provide them with any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I contacted Synchrony about my Ashley Homestore credit card. 
I had a promotional purchase that waived interest if paid in full by a certain date. I paid the remainder of what the bill said to pay, around {$750.00} in XXXX. My account then had fees added and when i called XX/XX/2023 they told me that i still had {$1.00} left on my promotional amount. I told them i paid it in full. They said that because i didnt CALL THEM to tell them how to allocate that payment that it didnt go fully to the promotional amount ( may have gone in part to a late fee from a prior month ). By not paying the {$1.00}, i was charged {$750.00}. 
I ended up settling for {$300.00} but its ridiculous that they added so much to a bill that essentially had a dollar left on it

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi i'm reaching out today because the credit reporting agencies are still reporting a illegal charged off account on my consumer report. I have made multiple complaints in regards to this account yet the law is still continuing to be broken. The continued reporting of this account is a direct violation of 15 USC 1681b as I never gave written consent to any of the major credit reporting agencies to report this account on my consumer report. This is also a direct violation of the privacy act of 1974 as I was never informed of my right to opt out of the reporting of this account. This is my formal notice that i'm opting out of the reporting of this account.

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