vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX 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. 

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 sha
ll 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 non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX 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. 

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 explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was charged repeatedly for XXXX purchases sn hour away from where I live and work. Totally XXXX XXXX I did not visit any of the locations. I dont use credit cards for fast food. I have talked to chase and their team have twice told me I did and am responsible for charges. I did not make them and dont even know the location. My son works for a credit card company and looked up what town they were made in. I have never eaten nor been at any of these restaurants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
contacting me for no legal reason to do so

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was a victim of an email scam. Asked by what I thought was a friend to do a favor and send some money to a third party. Did so turned the request came from someone impersonating my friend. 
XXXX XXXX XXXX and XXXX XXXX both say too bad we can not help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I had put some money into the SoFi banking app. I had some money in there for a few weeks and had been seeing their investing thing so I took about XXXX  % from what was in my SoFi checking account balance and placed it into some stocks on the SoFi app. Then within XXXX week SoFi froze every account on my SoFi app/account. My SoFi checking, savings, investing, etc. was froze. I called the company for more information the first time and they told me they were working on closing the account and when the account was closed they would transfer all the assets back to the linked bank or they would send a check. It came across my mind again and I checked my app and still. same thing. I called the company against after XXXX months since the first time I called and they told me the exact same thing. They were working on closing the account and they couldnt give me a timeframe in which it would be closed. I then asked if they could schedule a follow up with me when they did have a timeframe in which the account would be closed and they said they didnt know if they would be able to schedule a follow up with a timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i reviewed a copy of my credit report and noticed that i have XXXX late payments that should be in good standing. according to the creditor they have no access to these specific dates XXXX XXXX XXXX XXXX XXXX XXXX.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not done business with this company. They obtained/bought this account illegally. 

XXXX - Collections 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 non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not done business with this company. They obtained/bought this account illegally. 

XXXX - Collections 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 non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX and TransUnion violated the law when they allowed information about my private business to be report to my consumer report. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX violated the law when they allowed information about my private business to be report to my consumer report.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested for the removal of all personal information that does not apply to my current personal data. XXXX, XXXX and TransUnion have violated the law by failing to remove this information. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Trans Union, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested for the removal of all personal information that does not apply to my current personal data. XXXX, Equifax and XXXX have violated the law by failing to remove this information. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. 

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy.

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 2024-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
I received a letter fro XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX stating they were going to file a civil lawsuit against me for not repaying the XXXX XXXX XXXX loan for {$1800.00}. I immediately called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX and she searched their systems to see if she could find me with a loan from XXXX XXXX XXXX which she couldn't. She only saw I had a loan for Cash Central which is a totally different company. She said it sounds like they are trying to scam you into paying a fictions debt. I tried to call XXXX XXXX XXXX and also emailed them on their website and they did not call me back or respond to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in 2020 and reported it to XXXX XXXX. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I can not get my credit report from Experian and Experian is preventing me from getting a copy of my free credit report from XXXX.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i reviewed a copy of my credit report and noticed that i have XXXX late payments that should be in good standing. according to the creditor they have no access to these specific dates XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i reviewed a copy of my credit report and noticed that i have XXXX late payments that should be in good standing. according to the creditor they have no access to these specific dates XXXX XXXX XXXX XXXX XXXX XXXX.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2024 I went online to obtain my credit reports through all XXXX credit companies everytime i identify my self it locks me out then tell me i missed my password to many times not once this year have i been able to retrieve anything from these credit companies these companies has stressed me beyond my XXXX I cant even get a human on the phone its just like the companies are tracking my number where i cant even get into my profile to look at my credit report Im XXXX yrs old I have a XXXX but I can think to get into my credit report to make sure things are ok these companies flagged me out my report 365 days to a year until I just give up. I have done been through the ringer and I am upset and fed up with these companies ' trying to control my rights. Something needs to be done because its wrong and its violating my rights as a consumer

Company response to consumer: Closed with explanation