vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

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 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was charged a {$27.00} late fee on XX/XX/year>. I made an online payment that posted on XX/XX/XXXX, after pending on my account for a few days ( due to the XX/XX/XXXX holiday ). 

I called Capital One 's customer service department and a man told me to call back in a few days, after my payment posted. I called back on XX/XX/XXXX and talked to a person who said she was a Supervisor and her name was XXXX. 

She said that my late fee would not be removed, despite my never being late on payment before and having XXXX accounts with Capital One. And she wouldn't send me written information regarding a grace period, or the policy of removing a fee as a courtesy for a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 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: WI

Complaint narrative:
XXXX, XXXX XXXX CREAT REPORTED REFUSE MAKES NESSARY CHANGES DONE ON MY CREDIT REPORT .EFFECT SCORES RATIN HAD. DECREASED HORRIBLY. Denied FOR ANY LINE CREDIT.XXXX COMPlAINTS CFBP ( .1 ) COMPLAINT NOCHANGES. 2 NOCHANGES SHOWN.WHILE MAKE ON TIME PAYMENTS. CONNECTS credit bureau devices BANK CARD.

REPORTING HAS GOTTEN WORSE? Questions is it done PURPOSE du prior complaints GLANCING in. SYSTEM l AM. XXXX XXXX XXXX UNITED STATES VETERAN, WHOM FOUGHT FOR OUR Country BESIDES ONCE WERE EMPLO besides. RETRIED VETERANS AFFAIRS REFUSED FOR HOME LOAN. I HAVE PAID COMPANIES CALLED XXXX, XXXX XXXX XXXX XXXX XXXX WHOM BOTH states CREDIT BUEAU COMPANIES. COMPANIES REPORT information these comp has listed on my credit report don't match.consumers incorrectly XXXX Equifax XXXX request information When you provide these companies information. still no charges done on my file. 
This matter has gotten bad. Veterans affairs. Decide resents send letters contacted Government. Due to me once was veteran entire life given fighting for our country refused credit due to reports record government requirements listed score has reached XXXX better My scores barely report XXXX l have applied XXXX denied barely move into apartment. I no there is mistakes done on my credit report what happened to FRA. Does it resist .l have ran disputes to credit bureau when ever decision. Made the account be removed out nowhere shown account was replaced. Showin twice. Including these collections complanies who also trying to collect. government has sent letters out to my behalf these companies requesting STOP reporting. Info how to Handle situation. Judge signing off on it. Decision. What reason for fraud alerts nor disputes? Thur to later decision has been changed. Notice company called XXXX XXXX. This account was placed XXXX. Showin correcty no late payments .the account was settled payoff. Earlier then request .credit report companies has it showin reporting. Late. Due to co-signer. Investi matter. My account was changed without me bein contact.. Now Shown on my XX/XX/XXXX. Notice before this account was bein report but wasn't graded correctly? No late payments on time .also company Called XXXX XXXX XXXX XXXX. This account XXXX. Years no late payments made on time. instead it reported grade it report late errors XXXX. This account l have documents. Company provided stated only tif error shown due to murchandie. Bein paid off my account refinancing Company 's called ( web bank ) listed two three times shown on my credit report including collections. I have police report. This is not my account. companies stated the incorrect information provided credit bureau provided to them only information they have other wise they don't have accurate information. Shown on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Complaint regarding Venmo-paypal Family member sent me funds via Venmo on XX/XX/year>. After receiving the funds and transferring them into my bank account Venmo suspended and froze my brand new account. Said funds are now in escrow somewhere. Venmo emailed me requesting a photo ID, which I sent them, as well as had numerous verification and multi factoring security steps with the new Venmo account before even using. I was told by their customer service there was a special branch within the company that would review my complaint and contact me within XXXX hrs. They have yet to do so and my funds are still nowhere to be found. I'm wanting the funds released immediately or refunded to my family member who made the initial transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: UT

Complaint narrative:
I purchased a vehicle on XX/XX/2024 through Carvana. I used third party loan processing, through my bank, XXXX. 

The loan cost included the taxes and cost of titling and registration. 

My temp tag expires in 2 days, and Carvana has yet to submit my paperwork to the state of Utah to get my taxes paid and my license plates sent to me. 

They offered a second temp tag- but said that the process will take another 45 days. The temp tag expires in 30 days. Utah only allows a single extension, and taxes must be paid, and plates mounted on the vehicle within 60 days. 

Carvana 's website says they urgently need more information from me, but will not provide what that information is. They simply say that the XXXX rejected my information, however, my local XXXX says they have not heard from Carvana.

Given Carvana 's notable history of lawsuits related to failure to issue registrations on time, I am inclined to believe they have not followed their legal obligations in this matter. 

I am the XXXX XXXX  for a XXXX XXXX, including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my job requires the use of my vehicle. 

This is unacceptable. 

I have also submitted a complaint to the AZ Attorney General 's office regarding this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a verification of debt letter to Vance and Huffman. I sent them a letter because they just appeared on my credit report with no prior communication or opportunity to to verify the debt prior to credit reporting. I requested the following information, which by law they are required to provide. 
The amount of the debt : Provide a complete and itemized statement of the amount owed, including any interest and fees. 
The name of the original creditor : Clarify the name of the original creditor and the date the debt was incurred.

Proof that you have the legal right to collect this debt : Supply any documentation that verifies your legal right to collect this debt on behalf of the original creditor. 
Any agreements or contracts related to debt : Provide copies of any contracts, agreements, or other documents that form the basis for the debt. 

On XX/XX/XXXX I received a response letter stating they were confirming the name/address and the amount due and owing. However, they didn't provide any proof to these things, and didn't provide any of the information I requested from them. They sent four pieces of paper that shows my personal information from looks like XXXXTHATS IT. No other information was provided. 
This is not a confirmation of debt, nor does it prove they have any legal right to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

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 2024-07-13 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. DCU did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: NY

Complaint narrative:
I got a letter to my old address stating that there was an account opened in my name, that i did not open. It was for a Brinks debit card.

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 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: PA

Complaint narrative:
I first became aware of this debt when I received a collection report on XXXX XXXX that was opened on XX/XX/year>. I refuse to pay this debt of {$350.00} and want it immediately off my credit report. Due to unfair circumstances I tried to pay the original creditor at XXXX XXXX who ripped me off and taught me nothing about the entertainment industry as I hoped. 
I am not sure if this is XXXX XXXX but I would like to know for sure. If it is, I believe its unfair to charge me for classes I did not take with XXXX XXXX. I was on a payment plan and paid what I did at that time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US bank gave me a debit card that got stolen from me in a armed robbery and the fees I got charged were insane. I was billed the max overdraft for this debit card and US bank is declining my dispute even though I disputed it with them. I have so many bank accounts that got stolen its hard to keep track. XXXX XXXX  is also refusing my dispute after I filed a dispute for being a victim in an armed robbery and won't change any information on my account and wants me to pay cash for the money they put in a pooled online vault to collect interest with billions of other people pooled into the same vault just like US bank. US bank and XXXX XXXX  keep sending me debt collection for the accounts that I have disputed for being a victim in an armed robbery and refuse to approve my dispute despite the fact they have been using my money in a pooled fund that collects interest so big that it breaks the economy.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit score was a XXXX about to be XXXX but I got into a financial struggle in a XXXX XXXXy, I disputed the unauthorized transactions to my credit reporting agency and gave them all my information, and they refused to remove the maxed out credit card on my credit account. I disputed this multiple times and they refuse to follow the law and give me my dispute. The law says if I file a dispute it means I deserve what I want because I'm the one paying for services. The credit reporting agency refuses to alter my account information that I'm disputing to get rid of the maxed out credit I lost in an armed robbery. There is a identity theft on my account and they still refuse to fix my credit account and tell the bank everything is right. This is fraudulent because I've done nothing put pay money for my credit account and never missed a payment and now an XXXX XXXX has put me in the hole. The credit account was in good standing and then immediately got altered. There is no reason my dispute was illegally denied.

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 2024-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My social number was taken advantage of, sent off to a various amount of companies without my consent.

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 2024-07-13 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:
Upon checking my credit report on Equifax credit reporting agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Accounts in violation such as follows : Account names, numbers, and addresses : 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 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 
I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Upon checking my credit report on XXXX credit reporting agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Accounts in violation such as follows : Account names, numbers, and addresses : 1. Chrysler Capital, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 
I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!

Company response to consumer: Closed with explanation