vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE INQUIRIES IS NOT MINE 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE INQUIRIES IS NOT MINE 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
XXXX XXXX I checked my credit score which is always near perfect, and I noticed it dropped and it said I had an unpaid bill for {$960.00} from XXXX XXXX XXXX  XXXX and it was sent to debt collections National Credit Management. I have never heard of XXXX XXXX XXXX XXXX, nor is this my bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have retained a lawyer to help with my debit repayment adjustment and modifications. GM Financial refuses to acknowledge my lawyer 's presence or respond to their request to workout a deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
Hello, this is in adittion to a complaint I made before under # XXXX for the same reason. I just contact the bank to check on another charge on the account for {$35.00} that wasnt supossed to came through as i requested an stop payment on XX/XX/XXXX and again on XX/XX/XXXX, beside the stops that i requested since XX/XX/XXXX. The dispute that i asked to be cancelled still open as of today. The result of this is that now I have to pay {$35.00} on money that I havent spend and have to wait 5   more days for the transaction to be posted. I told the representative that I will not pay any more charges cause I already payed XXXX on money that wasnt mine. The representaive told me that the account will be charge off and may affect my credit if I decided not to pay the amount of $ XXXX told the representative that practices are completly illegal, but he just agreed with me and told me that his hands are tied. This bank has been abusive with me and have taking advantage of the passing of my mother, that Im a XXXX person who defend himself with the little english that I know, that I will do everything to protect my credit score, so they just keep making promises that they cant fulfill.I feel trap in this endless loop that I have to keep paying money for things that wasnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a checking and savings account with Chase Bank in XXXX of 2023. They were advertising a promotion to receive an account-opening bonus if you met their qualifications within 90 days of account opening. The total bonus promised was {$900.00}, after meeting direct deposit and balance requirements ( maintain $ XXXX in savings through the 90 day period ). After the qualification period ended, I noticed that I had not received the first part of the advertised bonus. I went into the XXXX, GA XXXX XXXX XXXX and spoke with a representative who was able to research and find that Chase had an internal issue with the code that was applied when opening the accounts. They admitted that they'd experienced this issue/glitch with multiple customers and that the issue continued to impact others that opened accounts through their online channel. I was told that the code was applied ( in XX/XX/2023 ) and that the bonus would be paid as initially promised. After more time went by, there was still no bonus paid. I went into the branch and spoke with a representative about my concerns, who had their manager call me later ( with no progress made ). I also spoke with several people through their XXXX number who told me that I would have to wait 90 days from when *Chase* manually applied the coupon code on their system. This is not what I agreed to when I opened the accounts and I am unable to move my funds until their 90 period ends. My money has been tied up there for months and they have failed to follow through on their promise. They should make this right, immediately, and pay interest that I could have been earning in a better account with a bank who does right by the customer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: OH

Complaint narrative:
My information was sold and bought illegally because I am a victim of the equifax data breach. I want these items deleted from my credit report effective immediately. I have attached proof that I am in fact a victim of the equifax data breach. Please help me delete these illegal items off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: MOHELA
State: NY

Complaint narrative:
Mohela failed to send me a notice of payment due date prior to 30 days before my loan payment was due. I received notification on XX/XX/XXXX for payment due on XX/XX/XXXX, in violation of Education Department policy ( screenshot attached ) This is the same exact issue that happened in XX/XX/XXXX, which caused the Administration to intervene and put everyones payments on hold. I shouldnt have to wait on hold for hours or write to the CFPB for a government-owned company to follow public regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: FL

Complaint narrative:
Repeat phone calls and text messages to family members. Workplace phone calls. I am a XXXX XXXX XXXX man and theyre calling my parents 2500 miles away. No regard for FCRA laws whatsoever. Just pathetic. I have asked them to cease and desist all calls and contact, yet they continue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: TX

Complaint narrative:
I called and ask for the original contract that I signed, any payments that I have made to them. I asked for proof that I owe them a debt, I ask them to send me a debt validation letters. But received no information from them and they called me and said if you don't pay I ; m calling your employer and tell them you are a person who commits fraud and you will be fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, linked to the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
I recently learned that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does Experian have my written consent to be reporting the transactions listed by these companies on my consumer report : Account # XXXX XXXX  The Fair Credit Reporting Act and my consumer rights have been violated. The 19 accounts listed above have violated my federally given consumer rights to PRIVACY amongst other things. All of these items are listed in the file that Experian maintains under my social security number. 

Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and most importantly, the reportability, of these listings. All of the companies listed have violated FEDERAL LAW 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. Experian has aided these companies in violation of this Federal Law. 

Simply put, this consumer law states the following A financial institution may not, directly, or indirectly, disclose to a non-affiliated public party any nonpublic personal information unless such financial institution gives the following disclosures : 1 ) The Financial Institution must let a consumer know they will disclose information to the non-affiliated third party.

2 ) The Financial Institution must give the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.

3 ) The Financial Institution must give the consumer an explanation so that the consumer can exercise the nondisclosure option. 

Am I to assume that Experian is affiliated with these credit card companies and banks? 

I have not given Experian permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated. 

The aforementioned transactional history of the accounts above is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Furthermore, Experian is to be held accountable for {$1000.00} per violation of 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 2024-01-09 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: PNC Bank N.A.
State: TX

Complaint narrative:
Improper use of credits and violations of XX/XX/1974 privacy act, XXXX XXXX XXXX dollars for damages claim demand

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
About 2-3 months ago XXXX XXXX removed a collection account from my XXXX credit report willing. Last week a new collection was put back on my credit report by CREDENCE RESOURCE MANAGEMENT with approx. the same information that XXXX XXXX had willing removed earlier. This new collection account should have never been put on my credit report. I believe this is illegal as XXXX XXXX had no knowledge of this. I will sue them if this is not taken off ASAP. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: AZ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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:
Improper use of credits and violations of XX/XX/1974 privacy act, XXXX XXXX XXXX dollars for damages claim demand

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CO

Complaint narrative:
I recently learned that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does Equifax have my written consent to be reporting the transactions listed by these companies on my consumer report : Account # XXXX XXXX  The Fair Credit Reporting Act and my consumer rights have been violated. The 22 accounts listed above have violated my federally given consumer rights to PRIVACY amongst other things. All of these items are listed in the file that Equifax maintains under my social security number. 

Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and most importantly, the reportability, of these listings. All of the companies listed have violated FEDERAL LAW 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. Equifax has aided these companies in violation of this Federal Law.

Simply put, this consumer law states the following A financial institution may not, directly, or indirectly, disclose to a non-affiliated public party any nonpublic personal information unless such financial institution gives the following disclosures : 1 ) The Financial Institution must let a consumer know they will disclose information to the non-affiliated third party.

2 ) The Financial Institution must give the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.

3 ) The Financial Institution must give the consumer an explanation so that the consumer can exercise the nondisclosure option.

Am I to assume that Equifax is affiliated with these credit card companies and banks?

I have not given Equifax permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated.

The aforementioned transactional history of the accounts above is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Furthermore, Equifax is to be held accountable for {$1000.00} per violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
Notice of Claim for damages XXXX claim for privacy act law violations, notice of violations of credit reporting and 3rd Party selling of private information, violations of terms and agreement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: PNC Bank N.A.
State: TX

Complaint narrative:
Notice of Claim for damages XXXX claim for privacy act law violations, notice of violations of credit reporting and 3rd Party selling of private information, violations of terms and agreement

Company response to consumer: Closed with explanation