vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 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: 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened a savings account at Bank of America and personally deposited {$18000.00}. However, in XX/XX/XXXX, I discovered that my identity had been stolen. A lawyer and advisor from XXXX advised me to notify all my banks and credit card companies, which I did immediately. 

In XX/XX/XXXX, BOFA informed me that my account had been closed and my funds had been frozen. Despite my repeated attempts to resolve the issue with the bank, and retrieve my funds, I have been unable to do so. The bank has provided me with misleading information, and no one from the branch or the claims/fraud department has taken responsibility for the issue. 

On XX/XX/XXXX, I visited a Bank of America branch and provided two forms of ID, as requested. However, they asked me to call the fraud/claims department on XX/XX/XXXX. ( 5 days later ). When I did, they asked me to call back again on XX/XX/XXXX. This back and forth has been going on for almost a month and nobody can give me an update on my case. This has caused me significant stress and frustration, as I have been unable to access tmy funds which I deposited.

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 2023-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
The original creditor, a XXXX  using XXXX XXXX for billing, never contacted me directly to share that the insurance denied payment because they incorrectly billed an out of network code, instead of the in network code for the doctor. The procedure took place on XX/XX/2022. It took over 21 months and over 30 calls individuals to identify that the creditor listed, XXXX XXXX, is not the creditor that is owed. 

The creditor, XXXX XXXX, was never listed on the collection notice. XXXX XXXX is the location where the medical procedure was performed. After several calls and email to Wakefield Associates ( debt collection ) and XXXX  ( creditor ), I have not received any responses to correct the medical bill issue. XXXX has been unresponsive to phone calls and emails ; the doctor that analyzed the results is not reachable and Wakefield Associates has never responded to any dispute inquiry email that has been sent to them. They claim that they responded via mail but USPS has no record of any mail being sent to my address. My insurance company needs for the bill to be corrected so it can be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Second Round Limited Partnership, Austin, TX Branch
State: NJ

Complaint narrative:
I only have one XXXX XXXX account and not two. I have a XXXX XXXX account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to second round XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding Second Round and XXXXXXXX XXXX. I plan on seeking a lawyer and suing XXXX, XXXXXXXX XXXX and Second Round XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I only have one VICTORIA SECRET account and not two. I have a Victoria Secret account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to XXXX XXXX XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding XXXX XXXX and Comenity Bank. I plan on seeking a lawyer and suing XXXX, Comenity Bank and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX Account # 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.

THE LAW ALSO STATES : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-18 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-11-18 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: 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-11-18 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: 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-11-18 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: 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
XX/XX/2023 I reached out to JP Chase Morgan Bank. There is a business account # XXXXJPMCB CARD reporting to my personal credit. I have requested that it be removed, and have a tracking number : Tracking Number : XXXX FRCA CONSUMER LAW 15 USC 1681 SECT 602 H states I have the right to privacy.

15 USC 1681 SEC 604 A SECT. 2 states A consumer reporting agency can not furnish an account without my written instructions.

604 SECT 2 In general, subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates.

Those consumer laws were violated, and I have not received anything about written instructions to furnish to my credit report. I would like the account removed from my credit report immediately. I am in the process of purchasing a new home, and this violation of my rights prohibits my ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an IDR request to be moved to the REPAY plan so that I would be on the SAVE plan when it is released. That application was not processed for over two months, so I submitted a new one. Both of those applications were never processed. The first one says it was approved, but I was never placed on the IDR payment plan. Since then, I have submitted two more IDR applications ( for a total of 4 ) with all of them being rejected as " Duplicates '' of the XX/XX/XXXX application. However, the XX/XX/XXXX application was not processed accurately. In XXXX, I filed a complaint through here. On XX/XX/XXXX, Mohela responded that they would fix my account. A few days later, my account was back to the standard repayment level payment. They never fixed anything and blatantly lied in their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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 XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
XXXX XXXX XXXX  A debt was settled with Navy FCU. I no longer have business with them, but the account was not removed from my credit report. I have requested that it be removed, and have a tracking number to prove they were contacted : Tracking Number : XXXX FRCA CONSUMER LAW 15 USC 1681 SECT 602 H states I have the right to privacy. 
15 USC 1681 SEC 604 A SECT. 2 states A consumer reporting agency can not furnish an account without my written instructions. 
604 SECT 2 In general, subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates. 

Those laws were violated, and I would like the account removed from my credit report immediately. I am in the process of purchasing a new home, and this violation of my rights prohibits my ability to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: NJ

Complaint narrative:
I only have one XXXX XXXX account and not two. I have a XXXX XXXX account and a XXXX XXXX account. Experian violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when XXXX sold the debt to XXXX XXXX XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding XXXX XXXX and XXXXXXXX XXXX  I plan on seeking a lawyer and suing Experian, XXXXXXXX XXXX and 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 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Subject : Unethical Practices | Internal Blacklisting of Accounts Dear Discover Financial Services, I am writing to express my concerns regarding what I perceive as unethical practices within your organization, specifically related to unexpected and unfair account closures and the internal blacklisting of accounts with inaccurate derogatory notations. 

I have been a Discover Bank account holder since XXXX XXXX during which I was in the process of rebuilding my credit. My account was abruptly closed in XX/XX/XXXX under the pretext of an inability to verify my identification, despite my provision of the requested documentation. This closure was made with no opportunity for reconsideration or resolution. 

Fast forward to the present day ; I am still a Discover Bank customer, yet I am limited to banking services only. My attempts to prequalify for another Secured card account have been automatically denied due to an internal flag on my profile. The sole reason provided for this denial is " Status of Existing / Prior Discover Card Account. '' This issue is not unique to me. Since XXXX numerous customers have publicly reported similar experiences of unexpected account closures. There is a growing concern amongst former and existing customers about this particular issue. Furthermore, I have previously filed a formal complaint ( CFPB Complaint ID : XXXX ) against Discover Bank for similar unethical practices, which remains unresolved to date. 

In light of these issues, I am requesting the following : A comprehensive review and removal of the flag from my profile, allowing me to reapply for credit products without automatic denial. 
A manual review and/or reconsideration ( recon ) of the closed card account, focusing on the possibility of opening a new account, rather than necessarily reopening the old one. 
An explanation and review of the policies leading to such actions against customers. 
I look forward to your prompt response to these concerns and hope for an amicable resolution that reaffirms the trust in your services. I appreciate your efforts in addressing this matter. This letter will serve as documentation for the formal complaint to be filed against Discover. The complaints will remain active, and I will consider retracting them if Discover provides a fair resolution in an urgent manner. 

Regards,

Company response to consumer: Closed with explanation