vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by XXXX XXXX XXXX subsidiary to XXXX XXXX, XXXX, XXXX, and TransUnion. ( 18 USC 241 ) XXXX, XXXX, and Transunion are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. XXXX XXXX XXXX has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by XXXX XXXX XXXX subsidiary to XXXX XXXX, Equifax, XXXX, and XXXX. ( 18 USC 241 ) Equifax, XXXX, and XXXX are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. XXXX XXXX XXXX has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax, XXXX, and XXXX are not maintaining reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
i had problems transferring funds from my brokerage account with Robinhood into my checking account. Robinhood does not have a live customer service number, and the online chat does not respond to your queries, and at times there is no way to contact Robinhood because the app states that they are experiencing a high load of customer service requests and is unable to load chats or give callbacks. The app deliberately shirks its duty to provide customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to follow up on my previous communication regarding the unverified negative items that continue to be reported on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate information remain on my record, adversely affecting my creditworthiness and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to follow up on my previous communication regarding the unverified negative items that continue to be reported on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate information remain on my record, adversely affecting my creditworthiness and consumer rights.

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 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This account is not mine and was opened in my name as I was XXXX. I have given this company proof that I was XXXX  at this time. I was XXXX  from XXXX with the ga department of corrections . I provided legal state documents showing my XXXX  XXXX XXXX This debt is not mine. 

This information was deleted once and put back into my credit report by this same company. Now the debt is showing 1 year and 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
My XXXX account payment history does not reflect what XXXX and XXXX show which should be XXXX late payment history. under Equifax it shows that i have XXXX XXXX late payments. this is inaccurate as i have spoken with the creditor directly and my account status was updated to paid as agreed with XXXX and XXXX. please update my payment status to current/paid as agreed and i would like the late payment deleted and removed. If i do not hear back in 30days, this inaccurate information needs to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
I reviewed my consumer reports and noticed that I had four late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was previously disputed as it did not belong to me they have refused to remove and validate the debt XXXX XXXX was previously disputed and confirmed not my account they are now showing under a different company XXXXXXXX XXXX Other reporting agencies have confirmed not mine and removed except experian. 

I tried to fix this for over 2 months and company does not remove I have attached screen shots to show previousl results when it was removed right after that it showed as a new collection with new open date and is now showing as a collection.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Trying to collect some debt that I keep disputing was opened without my knowledge or fraudulently keep saying its accurate without any proof showing me its mine want it removed from my credit report or Ill have to seek legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Inquiry has been made to formally request a fair reduction in my APR in alignment with consumer rights and to assist with financial hardship. The company denied my request and didn't offer any options to assist with financial situation. 

XX/XX/XXXX American Express c/o Credit Card Consumer Review XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Dear American Express , I am writing to express my dissatisfaction with the current Annual Percentage Rate ( APR ) applied to my credit card account, and to formally demand a reduction in the APR in accordance with consumer protection laws and regulations.

As a diligent consumer and having extensive experience in consumer law, I am well-versed in the rights afforded to consumers under various federal and state statutes, including but not limited to the Truth in Lending Act ( TILA ), the Credit CARD Act, and other relevant consumer protection laws. 
Upon reviewing the terms of my credit card agreement and comparing them to prevailing market rates, it has become evident that the APR assigned to my account is substantially higher than what is fair and reasonable. This high APR imposes an undue financial burden on me as a cardholder, making it increasingly difficult to manage my financial obligations effectively.

Under TILA, credit card issuers are required to provide consumers with clear and accurate information regarding the terms and conditions of their credit agreements, including APRs. Furthermore, the Credit CARD Act prohibits unfair and deceptive practices by credit card companies and grants consumers the right to request a reduction in their APR under certain circumstances.

Given my responsible credit history and consistent payment behavior, I believe that I am entitled to a lower APR that is more reflective of current market conditions and my creditworthiness. Failure to provide a reasonable reduction in the APR would not only contravene consumer protection laws but also constitute an unfair and deceptive practice on the part of your company.

Therefore, I am formally requesting that you promptly review my account and adjust the APR to a rate that is in line with industry standards and reflective of my credit profile. I expect a written response detailing the outcome of your review and the proposed changes to my account within 21-days from the date of this letter.

Please be advised that I am prepared to take further action to protect my rights as a consumer, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remed
ies if necessary.

Thank you for your attention to this matter. I look forward to a swift resolution that is fair and equitable. 
Sincerely, A representative called me on XX/XX/XXXX to convey they would not be able to provide anything to assist in my request. XXXX from American Express Executive Offices. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
You are reporting inaccurate remarks about me on my credit report. I am not a deceased consumer. Please delete all these deceased remarks from 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently review a copy of my credit Report notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My paypal account was hacked. Someone went in and transferred out {$9900.00}. I called paypal immediately when I saw that and they disputed then said they don't cover transfers. Called their cyber security department they said they would look into it and then I never heard back from them. My average spend on paypal is about {$25.00}. They said this was a normal transaction and it was someone in XXXX that the money was sent to. I can't even read the name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 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. 

Account name : XXXX XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX 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 an 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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
On XX/XX/2024 I returned to my apartment and noticed a packet taped to the door of the outside apartment building. It was a court order to me from a credit card debt collector. It was taped on there so everyone and anyone could see my personal information. It has information that should not be shared with anyone. I have no idea who has read this and now has my private information. I do not believe this is a real court document but rather a scare tactic. Now I have to worry about who has my information and the security of my personal information. I will attach the first couple of sheets of the document. If more is need I will send it upon request but again my personal information is on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NC

Complaint narrative:
I was a victim of identity theft, I have sent multiple disputes challenging the inaccuracies of the information listed on my credit report. The credit Reporting Agencies have Refused to Removed fraudulent accounts. I have attached Police Report and most recent Disputes along with a Notice of Intent to Sue.

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 2024-03-07 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: FL

Complaint narrative:
I have requested from the credit bureaus to remove these inaccurate inquiries 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 non-monetary relief
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
I have requested from the credit bureaus to remove these inaccurate inquiries 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 2024-03-07 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: MD

Complaint narrative:
From XX/XX/2024 to present I have sent various letter to Transunion, XXXX, and XXXX regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. Transunion, XXXX, and XXXX failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

Transunion, XXXX, and XXXX have not complied and I am requesting action or demanded compensation.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to follow up on my previous communication regarding the unverified negative items that continue to be reported on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate information remain on my record, adversely affecting my creditworthiness and consumer rights.

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