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

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

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 2024-04-06 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: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax, XXXX and XXXX didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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

Complaint narrative:
15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law 15 USC 1681A Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX  Charge off Account number XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX of late payments Account Number XXXX XXXX XXXX  Removal of late payments Account number XXXX XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX Removal of late payment XXXX XXXX XXXX Closed account Account number XXXX

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

Complaint narrative:
15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

15 USC 1681 b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law 15 USC 1681A Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX Charge off Account number XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX of late payments Account Number XXXX XXXX XXXX  Removal of late payments Account number XXXX XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXXXXXX Removal of late payment XXXX XXXX XXXX Closed account Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

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 2024-04-06 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: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I contacted Amazon Synchrony to adjust charges made to my account. Typically I will take advantage of XXXX month interest free promotional offers, however I will also need to return some or all the items. I have contacted Synchrony several times, but charges keep showing up for items that I have returned and could be charged interest on if I do not make a minimum payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC.

Complaint narrative:
A couple of years ago I received a message from ARVEST BANK saying my statement was ready, first I ignore it, because I live in XXXX and I have never open an account in XXXX, secondly because I tought could be some fraude to reach my personal info if I click in any link. The Statements keep coming, but there is no contact from the Bank, and the sender was noreply. 
Recently I've reached SEC and the SEC Ombuds ( message attached ) guide me to send a message to you. The other option was reaching the Federal Reserve 's Consumer Help Group, but to open a complaint in their website they request the address and Location of the Bank, but all messages received from Arvest are signed as XXXX XXXX XXXX | XXXX, AR XXXX and I could not identify the place or branche related.

I'm attaching the Arvest message saying my statement is available and the most recent message saying I registered in XXXX through Arvest Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
I contacted BMW Financial Services Attn : Credit Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXX via phone and mail. I explained to Bmw that I was in an auto accident on XX/XX/XXXX I explained that my insurance company is stating if they can't get the vehicle computer in alignment intact they may total my car. Because I had to pay out of pocket for a rental car, I explained to BMW that I couldn't afford to make my monthly payment. Custom Services representative XXXX informed me he would note my account and pause any negative credit reporting of my credit report on XX/XX/XXXX. Well despite the promises made BMW reported me late on XX/XX/XXXX. I am currently in the process of buying a home and stand to lose my XXXX deposit if this is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
i recieved several title loans and the amount payed back greatly succeeds the amount borrowed and on one loan that i paid off i never recieved my title back, unfortunately truck was stolen so i gave up on it.

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

Complaint narrative:
Title 15 of the United States Code, Section 1681n, is a provision within the Fair Credit Reporting Act ( FCRA ). This section addresses the liability of consumer reporting agencies for willful noncompliance with the requirements of the FCRA. Here 's a summary of the key points covered in this section : 15 USC 1681n : ( a ) Civil Liability for Willful Noncompliance : Consumer Reporting Agencies : Any consumer reporting agency that willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer in an amount equal to the sum of : Actual Damages : The actual damages sustained by the consumer as a result of the failure to comply.

Statutory Damages : Such amount of punitive damages as the court may allow, which shall not exceed {$1000.00}.

Attorneys ' Fees : In addition to actual and statutory damages, the consumer reporting agency may also be liable for reasonable attorneys ' fees and court costs incurred by the consumer in bringing the action.

Practical Implications : Consumer Protection : Section 1681n of the FCRA serves as a mechanism to protect consumers by holding consumer reporting agencies accountable for willful violations of the FCRA 's requirements.

Liability for Damages : Consumer reporting agencies that willfully fail to comply with FCRA requirements may be liable for both actual damages suffered by the consumer and statutory damages, with the total amount not exceeding {$1000.00}.

Punitive Damages : Courts have the discretion to award punitive damages in addition to actual damages, up to the statutory limit of {$1000.00}.

Attorneys ' Fees : Consumer reporting agencies found liable under this provision may also be required to pay the consumer 's reasonable attorneys ' fees and court costs incurred in bringing legal action.

Overall, 15 USC 1681n plays a crucial role in ensuring that consumer reporting agencies adhere to the requirements of the FCRA and provides consumers with a means of seeking redress for willful violations of their rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check and they dont want to give me my check they say that the check is a fraud but the money is already in the bank and they have closed my bank account, they say the the number that the insurance number but they say that the numbers dont match the number they have. That check has been there for XXXX  months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I keep being told over the phone that my account is locked and that they can not unlock it. A supervisor will call me back in 72hrs but no one ever does and its been going on for over 2 weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The reported delinquencies for XXXX and XX/XX/year> are inaccurate due to XXXXXXXX XXXX loan forgiveness plan. Payments resumed in XX/XX/year>. XXXX 's representative apologized and assured that the correction would be made promptly. Regarding the XXXX forgiveness, XXXX hasn't updated it with the Department of Education per a representative, as bills for payment are still being received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The reported delinquencies for XXXX and XX/XX/2023 are inaccurate due to XXXXXXXX XXXX loan forgiveness plan. Payments resumed in XX/XX/2023. XXXX 's representative apologized and assured that the correction would be made promptly. Regarding the XXXX forgiveness, XXXX hasn't updated it with the Department of Education per a representative, as bills for payment are still being received.

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

Complaint narrative:
The reported delinquencies for XXXX and XX/XX/year> are inaccurate due to XXXX 's loan forgiveness plan. Payments resumed in XX/XX/year>. XXXX 's representative apologized and assured that the correction would be made promptly. Regarding the XXXX forgiveness, XXXX hasn't updated it with the Department of Education per a representative, as bills for payment are still being received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TN

Complaint narrative:
I have XXXX credit collections companies trying to collect but I did some research and I think they are not licensed and bonded to collect in the state of Tennessee. Consumer Adjustment Company {$970.00}. And XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX have placed an hard inquiry on my credit report dated XX/XX/year>, which I have not applied or given any written consent to this company, to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX have placed an hard inquiry on my credit report dated XX/XX/24, which I have not applied or given any written consent to this company, to do so.

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

Complaint narrative:
This account was opened XX/XX/XXXX with a 72 month term. There are several inaccuracies on my credit report stating the account was opened on XX/XX/XXXX. Account detail doesnt show auto loan. Date last active was XX/XX/XXXX. Its showing other date XX/XX/XXXX and XX/XX/XXXX. It was last active on XX/XX/XXXX. Date of last payment is showing XX/XX/XXXX and its was actually on XX/XX/XXXX. These inaccuracies is manipulating my credit worthiness and hurting my ability to obtain credit. Equifax has failed to investigate properly after Ive repeatedly asked to have the account update. My request has been neglected once again and is violating my consumer rights. I am demanding the deletion of the account named- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I bought XXXX gift cards from American express to rent car and the rental place was XXXX, so i didn't have a car when i got to XXXX Texas. So i called American express and put in a complaint so they took the money off the cards. They gave me a claim number XXXX. They told me i would here from them, but to this day they never have contacted me. I have contacted them many times they tell me there going to do something but, when i contact them the claim is always closed. I sent them the paper work but they claim they didn't get it. This is going on since before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express have placed an hard inquiry on my credit report dated XX/XX/23, which I have not applied or given any written consent to this company, to do so.

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

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