vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: MD

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The company authorized a prior authorized user who was removed from a former account to charge purchases to that account when the account was closed. The company advised in writing that the account was closed and the authorized user removed on XX/XX/XXXX. The charges for those purchases were transferred to my then current account. The company has removed some of the charges but as of XX/XX/XXXX, {$79.00} remains in dispute. On the pretense of resolving the dispute, the company misappropriated a payment submitted for a charge in the amount of {$140.00} on XX/XX/XXXX and applied it to the {$79.00} balance in dispute on XXXX XXXX, XXXX, claiming the {$140.00} was disputed. When notified the {$140.00} was not disputed, the company reaffirmed its resolution on XX/XX/XXXX. 
The company received my formal dispute by certified mail on XX/XX/XXXX and was required to resolve by XX/XX/XXXX, maximum 90 days from receipt. 
In applying the {$79.00} disputed balance to the {$140.00} prior payment, the company changed the amount in dispute and is thereby required to provide explanation of any change in the amount disputed. The company did not provide that explanation in its statement of resolution or otherwise. 
Both actions violate the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was alerted on XX/XX/XXXX that there was a hard inquiry done against my credit. It was for TD Bank/target credit card. I never applied for this card so definitely suspected fraud. I put a freeze on my credit and s fraud alert. I called the company and they asked me if my email was outlook, I said no, they asked if the last 4 digits of my phone number was XXXX. I said no and they read off some numbers from a drivers license and I said no that wasn't mine. They said that they would not put the application through and I asked if I could have the number and email they used and they said no, obviously someone has my social security number and I want them investigated. This is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company 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 2024-05-18 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
In XX/XX/2024 I asked LVNV ( a collection co ) to give me the info on how they received my info along with the original contract since they own an acct with my name on it. I sent the letter certified and asked to receive a response in 30 days. I received neither! I asked All three credit bureaus to verify this info and to verify how they got in info and they STILL have not gotten back with me. Its been about 75 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.

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 2024-05-18 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: CO

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened new checking and savings accounts because Chase sent me an email about the promotion for bonus. I then transferred my money from XXXX different bank accounts under my name to Chase. I also deposited XXXX check written by my mom. And then they locked my account and held my fund. This is ridiculous because the money would have been perfectly in safe accounts in my other banks if I had not moved them to Chase because of their promotion. And now they refused to release my money which is legally my money! 

When asking if they think the deposited check was having issue, why didn't they refuse the check? They now took the money from my mom 's account and held it as theirs! 
This is a scam for such a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Department of Education and any associated student loan servicers for what appears to be an egregious breach of my federally-protected privacy rights related to my student loan records and data. 

The Family Educational Rights and Privacy Act ( FERPA ) classifies student loan information held by the Department of Education as confidential education records per 20 USC 1232g ( b ). There are strict limitations on how this sensitive data can be shared or disseminated to XXXX  parties without consent. 

Despite these clear privacy safeguards, I have discovered evidence that suggests my private student loan details have been mishandled and potentially disclosed improperly by the Department and/or its servicers and contractors. This represents a serious violation of FERPA 's mandate.

Furthermore, the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) stresses the need for consumer reporting agencies to uphold accuracy, fairness, confidentiality and respect for consumer privacy rights in their activities. Section XXXX ( a ) ( XXXX ) explicitly highlights " the need to ensure fairness, impartiality and respect for the consumer 's right to privacy. '' Considering my student loan information is protected as an education record under FERPA, any improper sharing, reporting or lack of confidentiality regarding this data would contravene both FERPA and the FCRA 's stated purpose in 1681 ( b ) of ensuring proper utilization with confidentiality protections. 

I demand the CFPB immediately investigate this alleged privacy breach involving my student loan records. The Department of Education and its servicers/contractors must be held accountable for any legal violations related to the safeguarding and confidential treatment of my private student data as required by FERPA and the FCRA.

Robust corrective actions and appropriate enforcement measures are expected to uphold my statutory student privacy rights. Please advise on the steps being taken to address this complaint and ensure no further privacy infractions occur. 

Thank you for your attention to this grave matter. I look forward to your response.

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 2024-05-18 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:
I am writing to file a formal complaint against the Department of Education and any associated student loan servicers for what appears to be an egregious breach of my federally-protected privacy rights related to my student loan records and data. 

The Family Educational Rights and Privacy Act ( FERPA ) classifies student loan information held by the Department of Education as confidential education records per 20 USC 1232g ( b ). There are strict limitations on how this sensitive data can be shared or disseminated to third parties without consent. 

Despite these clear privacy safeguards, I have discovered evidence that suggests my private student loan details have been mishandled and potentially disclosed improperly by the Department and/or its servicers and contractors. This represents a serious violation of FERPA 's mandate.

Furthermore, the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) stresses the need for consumer reporting agencies to uphold accuracy, fairness, confidentiality and respect for consumer privacy rights in their activities. Section 1681 ( a ) ( 4 ) explicitly highlights " the need to ensure fairness, impartiality and respect for the consumer 's right to privacy. '' Considering my student loan information is protected as an education record under FERPA, any improper sharing, reporting or lack of confidentiality regarding this data would contravene both FERPA and the FCRA 's stated purpose in 1681 ( b ) of ensuring proper utilization with confidentiality protections. 

I demand the CFPB immediately investigate this alleged privacy breach involving my student loan records. The Department of Education and its servicers/contractors must be held accountable for any legal violations related to the safeguarding and confidential treatment of my private student data as required by FERPA and the FCRA.

Robust corrective actions and appropriate enforcement measures are expected to uphold my statutory student privacy rights. Please advise on the steps being taken to address this complaint and ensure no further privacy infractions occur. 

Thank you for your attention to this grave matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on 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 non-monetary relief
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Department of Education and any associated entities regarding apparent violations of my statutory privacy rights pertaining to my federal student loan records and information. 
Under the Family Educational Rights and Privacy Act ( FERPA ) enacted in 1974, my student loan details and records maintained by the Department of Education are classified as protected education records ( 20 USC 1232g ( b ) ). As such, there are strict confidentiality requirements for handling this sensitive data. 
However, I have good reason to believe that my private student loan information has been mishandled, improperly disclosed or inaccurately reported without maintaining necessary confidentiality safeguards. This raises concerns about potential non-compliance with FERPA 's privacy mandates.

Moreover, the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) emphasizes the need for consumer reporting agencies to uphold accuracy, fairness and respect consumer privacy rights when dealing with consumer information. Specifically, section 1681 ( a ) ( 4 ) calls for " fairness, impartiality and respect for the consumer 's right to privacy. '' Given that my student loan data should be treated as a private education record under FERPA, any mishandling or improper disclosure of this information would constitute a violation of both FERPA and the Fair Credit Reporting Act 's stated purpose of ensuring proper utilization of consumer data with confidentiality ( 1681 ( b ) ).

I urge the CFPB to investigate this issue and take appropriate regulatory action against the Department of Education and/or any other entities potentially responsible for compromising the privacy and confidentiality of my protected student loan records. Safeguarding student privacy must be a paramount concern. 
Please respond with updates on how you plan to address and rectify this alleged violation of my federally-protected student privacy rights. Accountability and remediation are expected.

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 2024-05-18 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Department of Education and any associated entities regarding apparent violations of my statutory privacy rights pertaining to my federal student loan records and information. 
Under the Family Educational Rights and Privacy Act ( FERPA ) enacted in 1974, my student loan details and records maintained by the Department of Education are classified as protected education records ( 20 USC 1232g ( b ) ). As such, there are strict confidentiality requirements for handling this sensitive data. 
However, I have good reason to believe that my private student loan information has been mishandled, improperly disclosed or inaccurately reported without maintaining necessary confidentiality safeguards. This raises concerns about potential non-compliance with FERPA 's privacy mandates. 
Moreover, the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) emphasizes the need for consumer reporting agencies to uphold accuracy, fairness and respect consumer privacy rights when dealing with consumer information. Specifically, section 1681 ( a ) ( 4 ) calls for " fairness, impartiality and respect for the consumer 's right to privacy. '' Given that my student loan data should be treated as a private education record under FERPA, any mishandling or improper disclosure of this information would constitute a violation of both FERPA and the Fair Credit Reporting Act 's stated purpose of ensuring proper utilization of consumer data with confidentiality ( 1681 ( b ) ). 
I urge the CFPB to investigate this issue and take appropriate regulatory action against the Department of Education and/or any other entities potentially responsible for compromising the privacy and confidentiality of my protected student loan records. Safeguarding student privacy must be a paramount concern. 
Please respond with updates on how you plan to address and rectify this alleged violation of my federally-protected student privacy rights. Accountability and remediation are expected.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Have had this card for about XXXX years now - no issues. XXXX credit limit, paid regularly. Always on time. My credit score took a dip recently but I just did a ton of work to get the funds to pay across debtors including especially my Apple Card since I like to use this one often and clear the balance. I paid nearly XXXX first week of XXXX and another XXXX on XX/XX/XXXX clearing my balance completely. I received an email on XX/XX/XXXX stating my funds were still be held AND that now I will have only a XXXX credit limit without warning. By law this requires 45 day notice - I would have been more strategic paying other things had u known and wouldnt assume Id have that as back up in case. No help when I call just keep telling me its because my credit decreased which i understand however I have a solid history with Apple and pay all my bills. This was suppose to help my credit and now has made it even worse and harder. Im just told to reapply for new limit which is ridiculous. As a consumer I had no time to prepare for this and in turn had caused additional hardship to my credit standing despite great efforts to clean it up. Please help - it cant be legal to hold money over a week then notify same day that you now cant access XXXX XXXX of it. XXXX and Goldman Sachs idk who is liable but I know that they both play a part in the shadiness of this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported 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
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
In XX/XX/2024 I asked XXXX ( XXXX XXXX XXXX ) to give me the info on how they received my info along with the original contract since they own an acct with my name on it. I sent the letter certified and asked to receive a response in 30 days. I received neither! I asked All three credit bureaus to verify this info and to verify how they got in info and they STILL have not gotten back with me. Its been about 75 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
In XX/XX/year> I asked XXXX ( XXXX XXXX XXXX ) to give me the info on how they received my info along with the original contract since they own an acct with my name on it. I sent the letter certified and asked to receive a response in 30 days. I received neither! I asked All three credit bureaus to verify this info and to verify how they got in info and they STILL have not gotten back with me. Its been about 75 days!

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