vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: 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. 
Account name : # XXXX  XXXX, account number XXXX has violated my rights. 

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

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. 
Chapters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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 has violated my rights. 

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

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. 
Chapters

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 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal created an account for me without my authorization or consent and maintained my credit card information as part of that unauthorized account. I repeatedly asked them to delete the account, which they repeatedly failed to do until today. I understand from a PayPal representative that a vendor has ( had ) the capability of creating a PayPal account for a patron of that vendor 's service without the express permission of the patron to open, maintain or keep financial information of that patron. This seems wrong to me for many reasons, not the least of which is that they are counting me among their rolls and housing my private personal and financial information without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
i booked a hotel stay through the american express travel portal using my american express credit card. on the travel portal, the specific hotel i booked did not state that an additional {$27.00} per night ( 4 total nights = {$100.00} ) would be charged. the email i received from american express after booking did not state i would be charged this extra fee, neither does the webpage where the booking occurs state there is an additional nightly fee. 

after my stay, i noticed the additional fee was charged. i contacted the hotel to remove the fee and they said the fee should have been disclosed by american express. i called american express and was advised to file a dispute with the merchant, which i did. american express rejected my claim and ruled in the favor of the merchant. 

following the failed dispute, i called the american express XXXX XXXX and filed a complaint with them. i've provided 2 forms of evidence showing i was never quoted this additional nightly expense. 1 ) screenshot of the american express travel portal where to this day if you try to book that hotel again it does not list an additional fee, and 2 ) email confirmation from american express that does not state an additional nightly fee is due. 

the dispute has been rejected under the grounds that i received adequate notice that i would owe the hotel that additional nightly fee. 

american express did not adequately disclose this fee and is now forcing me to pay it. they have rejected my dispute and additional complaint i filed with them. 

please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 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: 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  Acct # XXXXXXXX XXXX Acct # # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX. 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 2024-04-01 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: 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 Acct # XXXX XXXX  Acct # # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
in XX/XX/XXXX i started a contract for credit auto financing with the company " START AUTO FINANCING " located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX the purchase price was around {$22000.00} i had a downpayment of around {$4000.00} to be accepted for the loan which is illegal and violates the United states code { 15 u.s. code 1662 }. there was an accident with my vehicle on XX/XX/XXXX by XX/XX/XXXX a check was written for {$10000.00} payable to START AUTO FINANCE A gap payment was paid for the remaining balance. now this company is reporting on my credit profile that i owe them a balance of {$2400.00} and has it reported as a charge off .. charge offs are reported as income and income can not be reported on my credit report, which violates { 15 u.s. code 1681 } i requested a 1099 c form and was denied in writing via email.i requested this account be corrected and or deleted to no avail. this company is willfully violating several consumer codes 16 CFR 433.2 12 CFR 1026.23 15 USC 1662 15 USC 1681 i am seeking all remedies which fall under laws and codes thank you XXXX bless

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 2024-04-01 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : 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 2024-04-01 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I checked my XXXX credit score on XX/XX/XXXX and noticed that I have 3 reports of the same company I called XXXX and they told me it should only be counted as one but it's got it 3 times. The inquiry is for Factual Data and the dates are XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
This collection is on my credit report. Company refused to see me original debt. also refuses to furnish me with a contract for services I have received with their company. I have conducted no business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
Requested Information from Superior Auto / SAC Finance on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Requested information regarding payments & contracts. Filed POA Revocation With The State & Dropped Off Notice To Manager On Duty XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was requesting services from his company. 
Sent Notice To Ohio Attorney General XXXX XXXX XXXX XXXX XXXX 
FTC VIOLATION : 15 US CODE 1605a FTC VIOLATION : 604 15 USC 1681B FTC VIOLATION : 15 USC CODE 1681S-2 FTC VIOLATION : 15 USC 1666b FTC VIOLATION : 15 USC 1692g 3.15 USC 45. 4.15 USC 45 ( a ). 5.12 USC 1818 ( b ) ( 1 ), ( e ) ( 1 ), and ( i ) ( 2 ). See letter from XXXX XXXX XXXX to the XXXX XXXX ( XX/XX/XXXX ) and Unfair or Deceptive Acts or Practices : Applicability of the Federal Trade Commission Act, FIL 57-2002 ( XX/XX/XXXX ). 6.15 USC 45 ( a ) ( 2 ) and XXXX XXXX, section 133, published in notes to 15 USC 41. 7.See FTC Policy Statement on Unfairness ( XX/XX/XXXX ) and FTC Policy Statement on Deception ( XX/XX/XXXX ). 8.This standard was first issued as a policy by the FTC and later codified into the FTC Act as 15 USC 45 ( n ) the Equal Credit Opportunity Act, the Gramm-Leach-Bliley Act, and the Fair and Accurate Credit Transactions Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Your organization is in breach! 
According to 15 U.S.C 1681 section 602 A, it stipulates my entitlement to privacy.

Referring to 15 U.S.C 1681 Section 604 A Section 2, it prohibits a consumer reporting agency from providing an account without my written consent.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section specifies that a consumer reporting agency can not include certain adverse information in a consumer report, except for convictions of crimes dating back more than seven years. 
Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the provision of inaccurate consumer information to any consumer reporting agency, if known or suspected to be inaccurate. 

Listed below are the Accounts that are being challenged 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 2024-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I applied for the Nordstorm Visa credit card and when i called to check on the application # XXXX i was told it was turned down only because they could not verify my telephone number my telephone number is the same number that has been on my credit report for 5 years and this is the only company that i have had this problem with when it comes to verifying my telephone number. i tried 4 different telephone numbers and they still could not verify any of them. not one time did then ask for any other verification since that didn't not work. i felt like they just didn't want me as a card holder i have excellent credit with no lates. they could of called my telephone number or sent a email code or something but they didn't. they seriously made me feel like i wasn't good enough to have a credit card account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: LEXISNEXIS
State: SC

Complaint narrative:
I sent a opt out notice to some credit reporting agencies because I do not want 3rd party companies having my private information such as financial information, address etc. I haven't received anything back to let me know that they have followed my order to remove my information from their database. This information that these agencies are sharing is preventing me from obtaining personal household good for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: ID Analytics, Inc.
State: SC

Complaint narrative:
I sent a opt out notice to some credit reporting agencies because I do not want 3rd party companies having my private information such as financial information, address etc. I haven't received anything back to let me know that they have followed my order to remove my information from their database. This information that these agencies are sharing is preventing me from obtaining personal household good for my family.

Company response to consumer: Closed with explanation