vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting agencies handling responsibilities fairly, impartially, and with respect for privacy. XXXX and Experian fall into this category, but I, as the consumer, assert my right to ensure that my private information is not shared, as supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. According to 15 USC 1681, neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies ( XXXX and Experian ) have my consent to furnish this information. I revoke any previous consent, be it verbal, non-verbal, written, implied, or otherwise. 

Furthermore, 15 USC 6802 emphasizes that a financial institution can not disclose nonpublic personal information without explaining the consumer 's right to nondisclosure. The financial institution, in this case, failed to inform me of this right. Additionally, 15 USC 1681C restricts the inclusion of certain adverse information in consumer reports without permission, and my account is being reported adversely without my consent, which is a violation of the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, information should not be furnished to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and Experian are not maintaining reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations. Furthermore, 12 CFR 1016.7 allows consumers to opt out at any time, and I am exercising my right to opt out of their reporting services.

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 2023-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am getting tons of unsolicited emails from Citizens bank with no Opt Out option. 
They are in violation of anti spam laws. 
I tried calling them but no one can help me. 
I want to opt out of these emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I'm feeling real XXXX about myself because I can not get an extension of my own credit due to the finance manager not knowing the law. I have tried explain and referencing the law but due to him doing it " his way '' all this time. He will not listen. I've also asked for the underwriter number and he would not disclose. He keeps giving me his opinion I am not creditworthy, I AM credit worthy. I told him to show me the law of what determines credit worthiness and he could not. I can't even begin adverse action because I've called the bank and they said they have no access to my application only the dealership does. They are discriminating against me. The so called finance manager 's number is XXXX. He violates 12 CFR 1002b, 15 USC 1642, 15 USC 1681m. They've ran my social security number and I've received no benefit. They also sent my application to 2 other banks without telling me because to knowledge I've only said I wanted to finance with XXXX so that's fraud causing 2 more hard inquiries in 1 day. For VIN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
My personal information and credit report, which involves violations of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
On XX/XX/23 I called equifax requesting information on an on going dispute and complaint. I spoke to XXXX XXXX ID XXXX. I asked XXXX XXXX ID XXXX about my dispute regarding three hard inquiries. He then stated the companies I was disputing and then went on to inform me they needed additional documents ( social security and drivers license ) to delete those unauthorized hard inquiries from my consumer report. Once I informed him that those additional documents were submitted alongside the complaint and dispute. I then proceeded to give him the complaint and dispute reference number and was then told no complaint or dispute in existent. XXXX XXXX ID XXXX clearly was going back on his dialogue since he mentioned the inquiries I was disputing at the beginning of the conversation. I kept on asking questions which he was not able to answer due to incompetence. I was on the phone with XXXX XXXX ID XXXX for almost two hours to then be rudely hung up on. Furthermore this Equifax customer service rep was very unprofessional. Along side this complaint I have attached a couple of documents regarding this matter. There are many violations under the Fair Credit Reporting Act. I take my financial well being very seriously and need all inaccurate information removed from my consumer report. In accordance to the Fair Credit Reporting Act there's a plethora amount of violations going on. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. I need all of these frivolous inquires removed from my consumer report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: CA

Complaint narrative:
I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have recently received a copy of my credit report. The report had an account listed. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 

I am writing this to you in an effort to get this removed. Please delete this information from my credit reports. I have never had an account with Santander company. If someone has opened an account in my name, please close it immediately before further harm is done. 

I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 

This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I took out a XXXX XXXX loan for graduate studies but had to pause a month in due to personal reasons. I returned the excess funds to the loan servicer, mistakenly thinking this was the correct procedure. However, now Ive learned that I owe the school for the amount the loan servicer is supposed to refund. Its been 2 months since the refund was processed, and I have not received the specified refund amount in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: The Aligned Company DBA Extra
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) says that consumer reporting agencies, like XXXX, must handle their responsibilities fairly, impartially, and with respect for consumers ' privacy. I'm the consumer here, and I have the right to make sure my private information isn't shared. This right is supported by another law, 15 USC 6801, which states that financial institutions must always respect their customers ' privacy and protect their personal information. 

EXTRA, who provided this information to the credit agencies, known as " furnishers of information, '' are considered financial institutions under this law. According to 15 USC 1681 section 604, a consumer reporting agency can only share a report about me if I specifically tell them to, in writing. However, neither EXTRA nor the consumer reporting agencies, like XXXX, have my permission or written consent to share this information. I'm revoking any consent I may have given, whether it was verbal, non-verbal, written, or implied. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can't share my private information with outside parties unless they explain to me how I can choose not to allow it. EXTRA nor XXXX didn't inform me about this right. Additionally, 15 USC 1681C ( a ) ( 5 ) says that consumer reporting agencies can't include certain negative information in a report without permission. EXTRA and XXXX are doing so without my consent, which is against the law. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it's illegal for anyone to provide inaccurate information to a consumer reporting agency knowingly or if they have a good reason to believe it's inaccurate. XXXX is violating this provision. Moreover, 15 U.S. Code 1681e requires consumer reporting agencies to have reasonable procedures to avoid breaking the law and to limit the sharing of consumer reports to specific purposes. It's clear that XXXX is not following these reasonable procedures. 

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Given the violations and disregard for my rights mentioned above, I am choosing to opt out of your reporting services in the reporting of EXTRA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX I was sued by XXXX XXXX XXXX XXXX over a Synchrony Bank/Care Credit card that went into default in XXXX XXXX XXXX XXXX XXXX XXXX Division I in the Circuit Court of the 13th Judicial Circuit , in and for XXXX XXXX XXXX XXXX XXXX The amount claimed by XXXX was {$8100.00}. The case was removed into arbitration with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made multiple attempts to have the total amount of the debt verified by XXXX XXXX  I never received a satisfactory response, despite the lenghty litigation. The XXXX attorney requested several amounts from me at different points in time, and doesn't have the documentation to prove how much is owed. The XXXX attorney filed two documents in support of his case that allegedly were provided to him by Synchrony Bank. 1. A Credit Card Agreement that was filed as a response to my request for the original contract. 2. A sworn affidavit from an alleged Synchrony Bank employee, who swears under oath to data related to the account in dispute that contradicts my own records. No personal information was provided so I can contact the XXXX and verify her statements. 
I contacted Synchrony Bank on XX/XX/XXXX to ask them to verify the authenticity of the two documents, and to provide me with a statement confirming or denying their authenticity. I suspect the documents were forged by the XXXX lawyer to cover up for the lack of evidence. Synchrony Bank would not return my emails once I made my request. 
Synchrony Bank sold this account to XXXX without the required OALD. I need them to verify the documents I sent them and I will also need other OALD from them. 
I've been harrassed with litigation by XXXX over this account since XX/XX/XXXX, without the proper documentation. Synchrony Bank must provide me with sufficient information so I can defend myself. I requested OALD from Synchrony back in XXXX as well, and they never sent me any of the documents I requested from them.

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 2023-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: TX

Complaint narrative:
I have been trying to close my XXXX account for weeks, as they made all customer subscribe to their Genius subscription for {$14.00} a month. I transferred out the {$1.00} in my savings account with them, which they delayed over a week and refused to cancel my account until the transfer was finished. 

Finally I could close my account, but they charged me {$14.00} on XX/XX/23. Their business practices are shady, and they force customers to use their app to be able to contact customer service. I want my money back from them, as I don't even want to use their service. They made me jump through so many hoops to close my account, and still charged me after I finally closed my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
TRANSWORLD SYSTEMS INC has been reporting a debt of {$2700.00} from XXXX. 
I have asked multiple times for a debt verification along with the supporting documents and they did not provide anything. 
They also do not have a license to do business in XXXX  which has been pending for years. 
Company was harassing me, threatening me and when I called them back they either said they couldnt find my account or said it was under someone elses name. 
I am asking for them to cease contacting me and my husband ( because they call him too ) and that provide the supporting documents as requested by law or remove that fraudulent account collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) says that consumer reporting agencies, like Equifax, must handle their responsibilities fairly, impartially, and with respect for consumers ' privacy. I'm the consumer here, and I have the right to make sure my private information isn't shared. This right is supported by another law, 15 USC 6801, which states that financial institutions must always respect their customers ' privacy and protect their personal information. 

EXTRA, who provided this information to the credit agencies, known as " furnishers of information, '' are considered financial institutions under this law. According to 15 USC 1681 section 604, a consumer reporting agency can only share a report about me if I specifically tell them to, in writing. However, neither EXTRA nor the consumer reporting agencies, like Equifax, have my permission or written consent to share this information. I'm revoking any consent I may have given, whether it was verbal, non-verbal, written, or implied. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can't share my private information with outside parties unless they explain to me how I can choose not to allow it. EXTRA nor EQUIFAX didn't inform me about this right. Additionally, 15 USC 1681C ( a ) ( 5 ) says that consumer reporting agencies can't include certain negative information in a report without permission. EXTRA and EQUIFAX are doing so without my consent, which is against the law.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it's illegal for anyone to provide inaccurate information to a consumer reporting agency knowingly or if they have a good reason to believe it's inaccurate. EQUIFAX is violating this provision. Moreover, 15 U.S. Code 1681e requires consumer reporting agencies to have reasonable procedures to avoid breaking the law and to limit the sharing of consumer reports to specific purposes. It's clear that EQUIFAX is not following these reasonable procedures.

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Given the violations and disregard for my rights mentioned above, I am choosing to opt out of your reporting services in the reporting of EXTRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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