vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: CL Holdings LLC
State: IL

Complaint narrative:
Violation of Code 15 USC 6802 and 6805 ( a ) - Opt-Out Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal dispute regarding a violation of Code 15 USC 6802 and 6805 ( a ) related to the opt-out reporting requirements outlined in the aforementioned codes. I recently discovered that Jefferson Capital System which is third party debit collector which XXXX the original credit sold my information to, Jefferson Capital System has failed to comply with the opt-out reporting obligations as mandated by Code 15 USC 6802 and 6805 ( a ). These codes require financial institutions to provide consumers with the right to opt out of certain information sharing practices and to report their compliance with these opt-out requests. Despite my explicit request to opt out of information sharing, [ Name of Financial Institution ] has continued to share my personal financial information with third parties without my consent. This violation not only infringes upon my right to privacy but also undermines the trust and confidence that consumers should have in financial institutions to protect their personal information. I have made multiple attempts to address this issue directly with Jefferson Capital System, but their response has been inadequate. They have failed to acknowledge my opt-out request and have continued to share my information without my consent. In light of this, I kindly request your assistance in investigating this matter and taking appropriate action against Jefferson Capital System for their violation of Code 15 USC 6802 and 6805 ( a ). I believe that their non-compliance not only disregards my rights as a consumer but also sets a dangerous precedent for the protection of personal financial information. Enclosed with this letter, you will find copies of all relevant documentation, including correspondence with Jefferson Capital System, proof of my opt-out request, and any other supporting evidence that may be required for your investigation. I kindly request that you treat this matter with the utmost urgency and provide me with updates regarding the progress of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not consent to, nor benefit from, nor authorize the following : WF XXXX  - Account # XXXX ; Amount {$1700.00}

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 2023-12-20 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: GA

Complaint narrative:
THIS IS XXXX XXXX AND I AM DISPUTING THE ACCURACY OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I AM REQUESTING THE DOCUMENTS UNDER OATH THAT GAVE THESE PERSONS PERMISSIBLE PURPOSE. DOCUMENTS BEARING MY SIGNATURE FOR CONSENT. I AM DEMANDING FOR EQUIFAX, XXXX AND XXXX TO STOP AND DESIST THE REPORTING OF THESE UNAUTHORIZED INQUIRIES IMMEDIATELY. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nav Technologies, Inc.
State: AZ

Complaint narrative:
Nav is engaging in false advertising. I signed up for NAV several months ago to build credit for my business based on recommendation and advertising posted on their website and various sites. 

" Nav Prime membership payments and Nav Prime Card repayments automatically sent as 2 tradelines to all major credit bureaus '' This is still visible on their website at : https : //www.nav.com/_nav-prime-2/ Unfortunately after paying monthly for Nav Prime and their credit report monitoring service, they do not report the tradelines as promised. I have spent thousands of dollars on their Nav Prime card account and hundreds on the subscription. None of this is on my business credit report. The subscription is the only item that actually reports, and it's reporting the wrong amount on that tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please check the status on this account. 

Inquiry XXXX This inquiry was not authorized

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please check the status on this account. 

Inquiry XXXX This inquiry was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: Early Warning Services, LLC
State: IN

Complaint narrative:
I looked at my privacy notice on my bank account, and it stated that they do not disclose my non-public personal information to non affiliate 3rd parties. So I called early warning services to opt out of them reporting my information to non affiliate 3rd parties as per my consumer rights. they instructed me that I had no such rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA

Complaint narrative:
On XX/XX/2023 both VMF and XXXX XXXX XXXX were notified that we would be cancelling our current insurance policy with XXXX XXXX and switching to our new policy with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2023 VMF issued payment to XXXX for this new insurance policy from our escrow account and the VMF online portal had reflected this change to the new insurance policy. 

On XX/XX/2023 we received a new escrow analysis stating that our mortgage payment was going up, after we review this escrow statement we noticed that on XX/XX/2023 VMF made a payment to XXXX XXXX for the old policy they were both told to cancel, had now been switch back to our insurance policy in the VMF portal ( and XXXX XXXX XXXX which is owned by the same company acknowledged on XX/XX/2023 that the policy was cancelled ) VMF nor XXXX XXXX  did not recognize error or did their escrow analysis recognize their failure and the fact they paid for an insurance policy without our consent. 

VMFs escrow statement also includes many factual errors in addition to the gross negligence around the insurance policy, VMF has the taxes in the escrow analysis incorrect there are two installments of {$440.00} per year at the current tax assessment. However VMF also has a personal property tax listed of {$970.00} which is factually incorrect ; there is no personal property tax only real estate tax. 

In addition in XX/XX/2023 VMF withdrew {$220.00} with no description of where this monies went. We need an audit trail of where this money went. 

Over all the gross incompetence at VMF has been a headache since day one and continues to be a headache every day, no other mortgage company has these problems.

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 2023-12-20 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: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
The original creditor XXXX XXXXXXXX XXXX sold a debt to National Credit Adjusters for {$470.00}. This fraudulent debt has caused damage to my reputation and ability to obtain credit. I've asked for a verification of this debt such as an original contract showing that I'm legally obligated to pay this debt and I have not received anything. The credit bureaus continue to report this debt without proof that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: MS

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: DISCOVER BANK
State: GA

Complaint narrative:
While checking my credit report I noticed 4 fraudulent hard inquiries that I never made. I noticed 3 hard inquiries from XXXX XXXX XXXX two on XXXX and one on XXXX and 1 Discover Bank  on XXXX. I have no knowledge of these hard inquiries and they are the result of identity theft and they must be removed within 4 business days as per the 15 U.S Code 1681c-2. I have file a complaint with the Federal Trade Commission and will attach the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Company failed to offer any documentation regarding this debt. I ask them to provide proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have received multiple calls threatening a costly lawsuit about an alleged loophole in the contract with Bank of America and impending legal action by a law firm hired by the caller. The person is calling from XXXX and claims to be XXXX XXXX ( sp? ). They claim to represent XXXX ( sp? ) XXXX XXXX. 
They claim to have been communicating with me at an address at which I havent lived for four years. 
I do not have any outstanding debts on my credit report and believe this is fraudulent.

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 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
Radius Global Solutions claims XXXX XXXX account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, Radius Global Solutions advised XXXX XXXX would reach out in re, no one from XXXX XXXX reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by XXXX XXXX reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. XXXX XXXX accepts forged signature as true and correct, despite forgery. Radius Global Solutions claims XXXX XXXX waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.

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 2023-12-20 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:
There are outstanding issues with these accounts on my EQUIFAX credit report : 1. XXXX : Account # XXXX XXXX Nature of Dispute : unauthorized/unrecognized account. 

2. XXXX XXXX XXXX : Account XXXX XXXX XXXX Nature of Dispute : unauthorized/unrecognized account. 

3. XXXX XXXX XXXX : Account XXXX XXXX  - Nature of Dispute : unauthorized/unrecognized account. 

I previously sent 2 letters ( XX/XX/23 & XX/XX/23 ) and acknowledged the initiation of an investigation by EQUIFAX in line with the Fair Credit Reporting Act ( FCRA ). However, I requested comprehensive provision of documentation substantiating the validity of the reported debts. Specifically, I requested : 1. Verification of the debt, inclusive of detailed information regarding the original creditor.

2. Submission of copies of all pertinent documentation supporting the reported debt 's authenticity.

3. Urgent confirmation of the accuracy of reported balances, status, and other relevant details. 
Instead of providing the requested information after multiple investigations, the credit bureau DID NOT PROVIDE ANY DOCUMENTATION OR PROOF OF THE INVESTIGATION, and closed all disputes as " verified ''. I even reached out to the above mentioned companies, requesting documentation to validate the debt as well, with no results. This has had a significantly negative impact on my young family 's ability to progress financially and is causing us distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a check into my accounts for {$10000.00}. The check was from a company I did work for and they bank with XXXX  XXXX XXXX. When I was at the bank they didn't ask anything, they just took the check and deposited and told me to call the number if i wanted them to take the hold off. I called them and was told I had to wait till the EOD. I called the next day and was told by someone who was deeming me that the funds won't be available till XX/XX/29 7 days later. I explained to them how is that happening I need the funds, he laughed and said the teller should have told me and what does he wanted me to tell him to do. I asked for a supervisor got connected to one and was told the same thing. They told me that the bank has the final say and they have to wait till it clears by itself without giving anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: GA

Complaint narrative:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in XXXXIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They did not exchangXXXX XXXX XXXX XXXX by the rate. The exchanged it XXXX pound and XXXX euro each for {$1.00} US.dollar. everyone knows XXXX XXXX XXXX are worth more than USD. When I was buying it, it cost me more. Please help. I've been robbed by Citi.Bank

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 2023-12-20 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: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
I have been informed that a hard credit inquiry was done by XXXX XXXX  on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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.

Complaint narrative:
I have been informed that a hard credit inquiry was done by XXXX XXXX on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of fraud.

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