vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: NV

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have been a consistent and timely payer of my mortgage with Select Portfolio Servicing for many years. Recently, due to unforeseen financial difficulties, I fell behind on a few months ' payments. I have now stabilized my financial situation and am capable of resuming regular mortgage payments. To address the accumulated arrears, I requested Select Portfolio Servicing to allow me to split the overdue amount over a few months, while I continue with my regular monthly payments. This was a reasonable request considering my previous record of timely payments and the temporary nature of my financial setback. 

However, instead of accommodating my request or offering an alternative solution, Select Portfolio Servicing escalated the issue unnecessarily. They referred my account to legal proceedings and initiated foreclosure actions. This approach was both unexpected and extreme, especially given the circumstances and my history with the company. I was informed that their refusal to negotiate a payment plan was due to adherence to their " system, '' a stance even their supervisor acknowledged as unfair but felt powerless to change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: IL

Complaint narrative:
Company is reporting bogus information on my credit report.

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 2023-12-18 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: OH

Complaint narrative:
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There Is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

XXXX XXXX XXXX : Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Intent to File Lawsuit for Violation of the Fair Credit Reporting Act ( FCRA ) I kindly request immediate removal and blocking of XXXX XXXX XXXX XXXX XXXX and the handling of my credit information by XXXX. I expect that necessary steps will be taken to ensure that my credit reports are accurately reflected and that any false or misleading information is removed without delay. 

Please consider this letter as a final opportunity for XXXX to rectify the situation in a fair and equitable manner. Failure to do so will leave me no alternative but to proceed with legal measures, seeking remedies for the damages sustained as a result of these ongoing violations. 

I anticipate your prompt attention to this matter and hope for a swift resolution. Please acknowledge receipt of this letter within 30 days. You may contact me at the above-mentioned email address or phone number if required. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: OH

Complaint narrative:
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There Is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

XXXX XXXX Attn : Consumer Relations Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to File Lawsuit for Violation of the Fair Credit Reporting Act ( FCRA ) I kindly request immediate removal and blocking of XXXX XXXX XXXX XXXX XXXX and the handling of my credit information by XXXX. I expect that necessary steps will be taken to ensure that my credit reports are accurately reflected and that any false or misleading information is removed without delay. 

Please consider this letter as a final opportunity for XXXX to rectify the situation in a fair and equitable manner. Failure to do so will leave me no alternative but to proceed with legal measures, seeking remedies for the damages sustained as a result of these ongoing violations. 

I anticipate your prompt attention to this matter and hope for a swift resolution. Please acknowledge receipt of this letter within 30 days. You may contact me at the above-mentioned email address or phone number if required. 

Thank you for your cooperation. 

Sincerely, 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 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my money disappeared from my account i callled credit karma to see what was going on and they told me to file a dispute wait on the right department to email me with there resolution. As days went by i waited and called everyday. None of the representatives have helped me they only get my information make me wait on the phone for over 30 minutes until they tell me to just wait for an email. I asked can they tell me how did this happened they only tell me the right department will contact me. I expressed how I recently got put out my home and they still told me its nothing they can do but to escalate. Ive called over XXXX times and was told the sake thing. XXXX is next week and i still have yet to hear anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: NY

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 2023-12-18 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: NY

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 2023-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because i was a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA

Complaint narrative:
I approached the drive through window at First Interstate bank, located on XXXX XXXX in XXXX XXXX XXXX.I asked the Teller for {$150.00}, after recieving the money, i laid the cash on the seat of my truck, after pulling forward appoximatly 10 feet, I realized not all my money was there ( I was short {$2.00} ), I then backed up to the teller window, and the teller acknowledged she had shorted me {$2.00}, I then waited for her to hand me $ XXXXafter a minute or so, i look back at the window and another bank employee is standing there, when i asked what was going on? He informs me that they have to count the drawer, I then mentioned the teller had already acknowledged the error, after counting said drawer, i was informed there was no error and the bank did not owe me $ XXXX.I then told the tellers i would be coming into the branch, Upon entering the branch i spoke with the branch manager and asked how a simple error by an employee, who had already acknowledged the error, get to this point? She informs me that she will credit my account, when I asked if she could give me something in writing saying so, she asked me to leave, when i questioned her again about my missing money, she threatened to call the police, so I called the police and told them i was being robbed at the bank, when the police got there, the branch manager had already closed my account and said i was trespassing, closing my account from a mistake starting with an employee error, is going to cause checks to bounce, I never received the money i was shorted.All of this is on security video, someone needs to hold these people accountable for their actions of incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-18 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: CA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I was supposed to close on a home. 
I called into Marcus by Goldman Sachs to transfer {$24000.00} back to my original XXXX  checking account so that I could close on my home. 

On XX/XX/XXXX, I called into their helpline and initiated the wire. They told me it would take 1-3 business days. 

By the XXXX the money had still not arrived. When I called in, they said there had been some sort of internal problem and they had to redo the wire. 

I have called in over 8 times, spoke with multiple supervisors, waited hours and hours on hold and was hung up on more than 3 times. 

They could never even provide me a federal reference number or a IMAB number. 

I would speak to different representatives and each would say the wire was in different stages- some said it was in review, others said the review was complete and money should arrive any minute. 

Since I can not close on my home without this money, I am going to lose {$10000.00} earnest money. 

On XX/XX/XXXX I was told the second wire failed and they would need to do it a third time. 

I am desperate for help. My mortgage is final approved and I just need access to my money or I lose my earnest deposit. I have already paid for movers and cancelled our lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I attempted to open an account with XXXX, and they informed me that I would receive my SIM card, but I did not receive it. XXXX proceeded to bill me for XXXX dollars for service I never received or used because I did not receive the SIM card. I did not notice the charges because I rarely use the bank account. I've spoken several times to XXXX, who often could not find my account, saw that I had not used my account, and finally told me I would only be able to receive approximately {$60.00} back because they could not send the money back to my account since I closed the account due to their transactions. XXXX wanted an account number to send my refund, but I refused since they had already taken over {$300.00}. Finally, they turned my account over to AmSher Collection Service , Inc., stating that I owed them money and that they would create a negative statement on my credit report if not paid. This issue has been going on since XX/XX/2023 and they still have not refunded my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my XXXX credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for XXXX XXXX XXXX XXXX XXXX and the credit card opened with XXXX  on XX/XX/XXXX. I have attempted to collect this information from both XXXX and Portfolio Recovery A on XX/XX/XXXX. XXXX responded with not willing to provide the information. Portfolio Recovery A 's response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with Portfolio Recovery A on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used XXXX XXXX Payment Security Program to file two claims for payment protection due to being laid off during the XXXX XXXX due to lack of work. Those claims were made XXXX of XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, account XXXX XXXX ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( TRANSUNION, XXXX XXXX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as TRANSUNIONXXXX, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, TRANSUNIONXXXX has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.

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