vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: DE

Complaint narrative:
FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern.

Kindly furnish me, in written form, with the complete array of information contained within my consumer file at Experian, XXXX, and XXXX. effective as of the date upon receipt of this letter. This directive stands unaltered in accordance with the provisions outlined in 15 U.S.C. section 1681g ( a ) ( 1 ), and it remains subject to the purview of 15 U.S.C. section 1681h. I request that the initial five digits of my Social Security Number be discreetly masked in all documents that are returned to me. 

Furthermore, I hereby demand the following : 1. In compliance with the mandate set forth in 15 U.S.C. section 1681g ( a ) ( 2 ), provide a comprehensive list of all sources from which information has been gathered for inclusion in my consumer file at Experian, XXXX and XXXX. 

2. As per the stipulations of 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), furnish the requisite identification details of each individual or entity that has sought a consumer report on me from Experian, XXXX and XXXX. 

XXXX. In alignment with the provisions of 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), supply the name, trade name, mailing address, and telephone number of every person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. In accordance with the dictates of 15 U.S.C. section 1681g ( a ) ( 4 ), present a detailed record inclusive of dates, original payees, and amounts pertaining to any checks within my consumer file at Experian that have been employed to cast an adverse characterization upon my credit profile.

5. Pursuant to the parameters delineated in 15 U.S.C. section 1681g ( a ) ( 5 ), furnish an exhaustive record encompassing all inquiries received by Experian, XXXX and XXXX. in the preceding year ( 12 months ) leading up to the receipt of this request. Such inquiries should be linked to my identity in relation to credit or insurance transactions that I did not instigate. 

This request explicitly seeks a comprehensive disclosure of my entire file, encompassing both obsolete and archived information, in accordance with the allowances granted by the Fair Credit Reporting Act. It is essential to note that this represents my initial full file disclosure request for the current calendar year directed toward Experian, XXXX, and XXXX. 

I extend my gratitude in advance for your prompt and meticulous attention to this matter. 

Sincerely,

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 2023-09-04 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: NJ

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2023-09-04 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: NJ

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
With Bank of America, I have had multiple incidents of overdraft fees being charged to my account, putting my account into overdraft. I have had checks and/or money transfers that seem to disappear due to other random charges. It happens often. Ive had fraud charges on my account that lead me to getting new debit cards. Ive called and addressed charges such as XXXX XXXX being charged to my account ( something I do not have or use ), I would call and be told it has been addressed, only for it to happen again. There have been many instances where I have low funds in my account while waiting for a paycheck and an overdraft fee will cause my account to overdraft.

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 monetary relief
Consumer complaint received 2023-09-04 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 explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2023 I applied for Hone Depot credit card and I was denied they said due to the reporting agency XXXX, XXXX stating I have bad credit and number of delinquency and so on. I have real good credit and I have no idea what they are talking about and going on. I have an account with XXXX and I have good 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 explanation
Consumer complaint received 2023-09-04 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: SC

Complaint narrative:
I tried to communicate this matter with to get this account remove from my report in XXXX XXXXI 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX XXXX, self esteem, performance on my job and my duties as a mother. I also have done an ETF report which will be updated along with this complaint. I have been delt with unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have spent over a year, going back and forth with the credit agency and half a year as of this year; going back and forth with the furnisher. The furnisher is stating that they have advised Experian, XXXX and XXXX to close and remove the account. The only one to has listen was XXXX. Instead of removing the account Experian and XXXX decides to TRY and update it as my consolidator who is NOT reporting to my credit report as of today. Another false verified updated from the credit agency. 

Not only that ; the information reporting is inaccurate and constantly violates my rights! I ask for compensation but what I get is rude customer service when I called and accounts as update. How can incorrect information be verified updated when the other agency are not reporting it. I have active memberships with all three bureaus and they NOT saying the same thing but yet. Information is verified. I have sent letters in the mail, they mail me a report back. I am mentally drained from the back and forth, I need this resolved or they can hear from a lawyer next with the violation of the law. 

15 U.S. Code 1681i section 602a- I have the right to privacy.

15 U.S. Code 1681i section 604a- I must provide written consent for any accounts.

15 USC 1681 ( a ) ( 4 ) - Please Review this law 15 USC 1681a. ( e ) - 15 USC 1681b. ( a ) ( 2 ) - Please Review this law 15 USC 1681i. ( 5 ) ( A ) ( i ) - 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages

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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchased a piece of furniture that we never received only to find out that the company has been scamming people exact same way for several months. Filed a dispute with chase bank giving them all the proper documentation showing that this company is scamming people. Chase bank contacted the scammers and sided with the scammers even after I produced all the documentation showing how many other people have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: PA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX  Account # XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; Ally Finacial XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction to my credit report. I demand the account be remove from my 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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction to my credit report. I demand the account be remove from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
A few months ago I received a cash advance from my bank : Truist, forrmally XXXX XXXX XXXX. 

Today I got an email that my checking account had a negative balance.. When I signed into their website I saw they had used my SSDI monies to pay what I could not pay the last two months, the payment for the cash advance. 

I called the SSA and was told these monies were federally protected. However when calling Truist they told me their bank has written in rules that allow them to over-ride the federal gov 's policies. 

This is not only illegal, but cruel. I am XXXX and have been since I was very young, now middle aged all I have to live on is my SS monies. I read them out all the laws pertaining to this but they only directed me me to a PDF TAC in which in very small print they state that they ( Truist ) are allowed to take out protected monies from a person 's account. 

Please help. 

Sincerely, 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 explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I received a phone call on Tuesday XX/XX/XXXX at XXXX from a debt collector claiming that he was an attorney from Aldous and Associates from the number XXXX attempting to collect a debt of {$57.00} from XXXX XXXX XXXX. I asked the man who was the agent was he a debt collector or an attorney? He told me he was an attorney. I made him aware of violations of my consumer right pursuant to 15 USC 1692e ( 3 ) false and misleading representation. I told him the false representation or implication that any individual is an attorney or that any communication is from an attorney is a violation of my consumer rights. He hesitated, became defensive, and told me a disclosure ; " this is an attempt to collect a debt. '' etc. and before I could tell him to " cease and desist '' pursuant to 15 USC 1692c Communication in connection with debt collection until they provided me proper validation of debt pursuant to 12 CFR 1006 Regulation F. He hung up the phone as I was speaking. Before he hung up, he threatened and told me if I didn't pay the debt, they would put it on my credit report. I called the number the agent called me from back. A female agent of the company picked up. I confirmed to see if it was the same company. I told her what happened, and she was shocked by the actions of the agent I originally spoke to and transferred me to her " supervisor ''. I explained and he said that he would go back and listen to the recorded call. I told him that they must cease and desist calling me until they provide proper validation of debt and that what his agent did was a violation of my rights. He told me they won't do that. I have to request it in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I received this and it does not resolve the problem I am having on line. I will NOT call your automated system that never gets me to a live body! So how the XXXX do you expect for this to get resolved????? The attached response is more ridiculous than I can imagine. Apparently you just wanted to close the complaint so this was your response???? Really????? I'll say it again you XXXX  XXXX and don't k now how to resolve problems!!!! XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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:
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 2023-09-05 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
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: AL

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

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

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

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