vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent all 3 credit reporting agencies written disputes regarding XXXX XXXX  account # XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX have not sent any proof that I owe this debt.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent all 3 credit reporting agencies written disputes regarding XXXX Bank account # XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX have not sent any proof that I owe this debt.

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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I highly suggest you have your attorney, read this complaint, and then the laws attached. Because it doesnt matter if I owe it or not, and I dont. You had no legal authority to place it on my credit because you never notified me ahead of time, I think with you, XXXX and yes, I said XXXX  Keep missing is that you have no legal authority to place it on my credit report because you failed to notify me ahead of time. I have proof that you did not notify me about this debt prior to placing it on my CBR. 
Whatever unaided, educated individual is responding to these might want to talk to the attorney. Im going to give you the proper laws again and remember I have proof that youve not notified me. Because the individual that lives at that address is willing to testify they have returned at least three letters and the last one they did by certified mail. 

Pay special attention to validation notices, and debt parking written notice required XXXX ( a ) ( 1 ). Section XXXX ( a ) ( 1 ) ( ii ) That section says if you receive a notice undeliverability you must NOT furnish information about the report to a consumer reporting agency until you satisfy XXXX ( a Thats actually pretty simple and very clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: ME

Complaint narrative:
I received a call on XX/XX/29 about a debt. I tried to make a payment arrangement but was told it would still be reported to the credit bureau. The company told me they sent a debt validation letter to the address they had on file. I explained that I do not receive mail at that address because mail is not delivered on my street. I asked them to send a debt validation letter to my XXXX XXXX and they said they already send the letter and I explained again that I don't receive mail at my physical address and then they hung up on me. This company is receivable performance management and I spoke with 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
Account number : XXXX 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

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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My card was charged XXXX times for $ XXXX {$500.00} to a Company Ive never heard of called XXXX who sells XXXX based in XXXX XXXX I reported this as an unauthorized card to Chase within XXXX days of the charges and was told they would refund my account. After a few days, I didnt receive a refund so called Chase back. They claimed they would 100 % give me my money back at the end of the weekend. More than two weeks later I didnt see a credit so called back and was told its not their problem by the Company XXXX. He then told me I have no recourse to which I said I want to close my account which he said he would not help me with. I want my money back and I do not want an account with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: OH

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 XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Account name : XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Outsourcing, Inc.
State: NY

Complaint narrative:
I've sent two letters ( see attached ) to Receivables Outsourcing , LLC on XX/XX/2023 and XX/XX/2023 in response to debts they allege that I owe with instruction to cease contact. I have received two calls after these dates on XX/XX/XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX XXXX  from this company 's phone number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: RI

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX, XXXX XXXX, and 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX, XXXX XXXX, and 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is crucial that you promptly eliminate this incorrect account from my record. I urge you to thoroughly investigate this matter and take the necessary steps to rectify this error as soon as possible. Your immediate attention to this issue is greatly appreciated.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Equifax responded to my CFPB Complaint # XXXX that I submitted on XX/XX/2023. 
Equifax replied to CFPB and myself that XXXX XXXX verified that account belongs to me. 
My Question is : Why is Equifax avoiding the sole basis of my dispute being the violation of my right to privacy. The Gramm -Leach -Billey Act states I am to receive notice to opt out of credit reporting and that NO information should be reported on my consumer report without my submitting written permission/instructions. 
I did not give consent to XXXX XXXX XXXX or Equifax to report this information. 
I also understand that because verifying information that is violating my privacy rights is an additional illegal action and I may be privy to compensation in a court of law. 

Additionally, Equifax stated to CFPB that XXXX XXXX is not reporting on my equifax report but as of today I find it is still reporting. WHY? 

I want both items removed due to my federally mandated right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently reached out to XXXX XXXX. Regarding the fraudulent account in my name, I recently asked them to provide me signatures. On XX/XX/2023 I havent received anything back. But a number to call XXXX XXXX in which I did and I was told they would send me documents of my signatures that I signed to open the account. And so far I have yet to receive anything. Its XX/XX/2023

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently reached out to XXXX XXXX. Regarding the fraudulent account in my name, I recently asked them to provide me signatures. On XX/XX/2023 I havent received anything back. But a number to call XXXX XXXX in which I did and I was told they would send me documents of my signatures that I signed to open the account. And so far I have yet to receive anything. Its XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is crucial that you promptly eliminate this incorrect account from my record. I urge you to thoroughly investigate this matter and take the necessary steps to rectify this error as soon as possible. Your immediate attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This complaint is about Bank of America disclosing sensitive beneficiary information by adding it to the addressee line of mailed correspondence. 

I recently updated my bank of America checking and savings account with a designated beneficiary. Subsequently, to my shock and dismay bank account statements arrived in the mail conspicuously displaying the name of my designated beneficiary right along with mine as addressees. From my perspective this unnecessary and unwarranted disclosure of my beneficiary is an outrageous breach of confidentiality. Accordingly, I immediately lodged my objection by email addressed directly to Bank of Americas XXXX, XXXX XXXX. As a result, I was contacted by representatives from the Executive Response Team. Unfortunately, the representatives didnt seem to have a rationale or remedy for the breach. Apparently, their sole purpose for contacting me was to affirm that the beneficiary addition to the addressee line of correspondence is Bank of America policy. 

At this point, I am left with the impression that Bank of America chooses not to acknowledge the potential for harm that could ensue from their unauthorized and unwarranted disclosure of sensitive beneficiary information. For me personally, this willful disregard for beneficiary confidentiality is entirely unacceptable. However, I want to afford Bank of America ample opportunity to reassess the impact of this intrusive policy before I take further action. 

My expectation is that Bank of America will expeditiously review and adjust its operation to actively safeguard my beneficiary information. In particular, taking the necessary steps to ensure that my beneficiary information is not viewable from outside the envelope of any correspondence, and confidentiality is preserved going forward.

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 2023-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: MN

Complaint narrative:
I was mailed an acceptance offer through the mail from Regional Finance in XXXX Alabama. If I cashed it I accepted the loan money on their terms. I took out an extension and ended up moving to another state. I live XXXX miles away from their office now and have been doing research on the Cesti que act. I know that all loans are already paid. I asked the ladies in the office earlier this week to mail me a remittance or payment coupon, to which both women I did ask, stated they did not mail out statements. This is a violation of USC 1693o-1. I was certain the USC code would mean they have to mail me one of those coupons. I have the address for their headquarters based in XXXX south Carolina, so that's where I am going to send the 1099-A, 1096, and 1040V. But I was wondering if anyone would be willing to check my code listing to see if that code applies to my particular situation. If it does, why wouldn't they be able to send a coupon by mail to my new address.

Company response to consumer: Closed with explanation