vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: SC

Complaint narrative:
As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agency XXXX, XXXX, Experian and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.

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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a call from a XXXX XXXX who said he was from Bank of America saying someone from Texas tried to get a credit card using my name address and SS #. I said I never applied for this CC. He said the telephone number used was TEXAS XXXX and that the CASE ID # XXXX, He then forwarded me to a XXXX XXXX from the CONSUMER XXXXNACIAL PROTECTION Bureau who gave me the XXXX ID XXXX out of XXXX FL. When I asked how to verify what he was saying he hung up. 
What do I need to now? 

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 2024-08-24 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have tried on multiple occasions to log in to my account with my SS #, phone number, email and name but I get a message that either my account is temporarily unavailable or to call a customer support number. When I tried calling the verification questions all had correct answers of none the above and it could not authenticate my identity. 

I want to access my account to freeze credit requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  {$4100.00} XXXX {$5500.00} OPEN DATE XXXX XXXX Unauthorized Accounts, 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 explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 informationisinaccurate.

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 2024-08-24 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: MI

Complaint narrative:
I have no other desideratums of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY petitions versus me of which there is not required inclusion or is information not exactly and completely as I have above named is my non-disputed, factually valid correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. 

am writing to DISPUTE the following data that your company supplied to one or more Credit Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, satisfactory adhering of Federal and state reporting laws and or competence in your compliant adhering to the mandatorily utilized credit reporting industrys principals namely the XXXX own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofconsanguineal abstracts that could or should else better ensure integrity of orders made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably subservient reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are suitable and more than to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.

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 2024-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have an issues with the KOHL 's credit card in the following steps : XXXX. I did a purchase in KOHL a while ago ( probably XXXX this year ) and I then was asked for personal information to open an account with KOHL, which I didn't informed of it was a credit card application 2. but after that I had never received a card from KOHL and I didn't know I have open an credit card account with KOLH 3. after sometime I was told I owe a balance and I had to pay for that, I called the customer service and I had to pay for it but the late fee was waived. At the same time I requested to shut down my account immediately! XXXX after a while again, today I received a mail for KOHL telling me I am still owing money with late fee because the card declined! Then I had to pay for this again. 

In summary, I was tricked to open a commercial credit card and didn't authorize to open the credit with card the collected private information, also after the payment the customer was not informed of the declined payment either, the whole process was non-transparent and happened without my agreement. From my perspective, the customer should have the right to decline any payment or other fee generated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: OR

Complaint narrative:
Your company is in violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) EXCLUSIONS, the term consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report, subject to section 1681s3 of this title.

The law clearly states that transactions between the consumer ( myself ) and the reporting entity ( your company ) are not to be included in consumer reports. A late payment constitutes a transaction history, and reporting it on my consumer report is a direct violation of FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
XXXX XXXX violated LA

W 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!

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 2024-08-24 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: VA

Complaint narrative:
XXXX XXXX violated LAW 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
XXXX XXXX violated LAW 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!

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 2024-08-24 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: UT

Complaint narrative:
XXXXXXXX XXXX XXXX  actions constitute a serious violation of both the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. According to the FCRA, specifically 15 U.S.C. 1681b and 1681g, any entity reporting information to credit bureaus must have a permissible purpose and provide proper notice of the debt to the consumer. Furthermore, under 15 U.S.C. 1681i, they are required to provide validation of the debt upon request. 

Since XXXX XXXX XXXX began reporting negative information on XX/XX/year>, without my consent or knowledge, and has failed to provide the required written notice or validation of the debt, they have violated these regulations. Their actions have led to significant financial hardship and have imposed undue mental and physical strain on me. Their failure to adhere to the FCRA and CFPB guidelines is both unlawful and detrimental.

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 2024-08-24 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: UT

Complaint narrative:
XXXX XXXX XXXX  actions constitute a serious violation of both the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. According to the FCRA, specifically 15 U.S.C. 1681b and 1681g, any entity reporting information to credit bureaus must have a permissible purpose and provide proper notice of the debt to the consumer. Furthermore, under 15 U.S.C. 1681i, they are required to provide validation of the debt upon request. 

Since XXXX XXXX XXXX began reporting negative information on XX/XX/year>, without my consent or knowledge, and has failed to provide the required written notice or validation of the debt, they have violated these regulations. Their actions have led to significant financial hardship and have imposed undue XXXX XXXX XXXX XXXX on me. Their failure to adhere to the FCRA and CFPB guidelines is both unlawful and detrimental.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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:
I have some credit inquiries made to which I never gave my authorization to make them, I am unaware of these requests and there are even accounts that are already closed, I describe them here : 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

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 informationisinaccurate.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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 informationisinaccurate.

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 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a checking account with Navy Federal Credit Union. Back in XX/XX/year>, I started getting text regarding suspicious transaction attempts, which wasn't me. I froze the debit card and opened a new checking account with them. After reviewing my accounts online, I discovered that I have been charged a return check fee of {$29.00} XXXX times. The total of {$370.00} from XX/XX/year> to XX/XX/year>. NFCU stated they will not reimburse this money because of the time that it goes back. The account was closed today. 

NFCU obviously knew this account was compromised and continued to charge their {$29.00} return item fee. They have lost their customer service values and definitely are not looking out for XXXX and their families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Dear Goldman Sachs Bank USA / Apple Card Customer Service, I am writing in response to the recent resolution provided by your team concerning the inaccurate late payment reporting on my Apple Card account. I appreciate the efforts to investigate this matter, but I still have concerns regarding the accuracy of the information and the handling of my account. 

Firstly, I would like to clarify that I have consistently maintained a XXXX balance on my account and made timely payments. I have evidence that my account was fully paid off in XX/XX/XXXX, and it should have reflected a XXXX balance from that point onward. I am confused and concerned that my account was marked as late in XX/XX/XXXX, as this does not align with my records. 

According to your response, the bank indicates that no error occurred and that the account was reported accurately. However, there seems to be a discrepancy between your records and my own. Specifically, you stated that payments were not made to satisfy at least the minimum amount due from XX/XX/XXXX until XX/XX/XXXX, and again from XX/XX/XXXX until XX/XX/XXXX. This is not accurate according to my payment history. 

Given that you have confirmed a XXXX balance and closed the account as of XX/XX/XXXX, I request the following actions to rectify the situation : Detailed Payment History : Please provide a detailed breakdown of payments received and account balances from XX/XX/XXXX through XX/XX/XXXX to confirm the accuracy of the reporting. 

Correction of Credit Reporting : If the payment history and balance confirmation show that no payments were missed or late, I request that the erroneous late payment marks on my credit report be corrected immediately. 

Documentation Review : Kindly provide copies of all relevant documents, including payment receipts and account statements, to support your claim and my request for resolution. 

Reinvestigation : I request a thorough reinvestigation of my account to ensure that all reported information accurately reflects my payment history and account status. 

I trust that you will address these concerns promptly and ensure that my credit report reflects the true state of my account. Please update me on the progress of this request and provide a resolution at your earliest convenience. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation