vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : XXXX XXXX XXXX ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done.

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
We have paid off the loan back in XXXX or XXXX but recently when I tried getting the title from DMV in XXXX, it turns out there is a lien from Honda Financial. I called them but they dont have a record of the old loan and not sure how to go about releasing the lien XXXX VIN for the vehicle is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: HI

Complaint narrative:
Tranunion is reporting inaccurate on my XXXX payment XX/XX/2022 2022

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 2023-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct address 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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I tried to open a checking account with bank of America and they told me I couldnt because I already had a account. I told them well I want my money out of that account then. They said sorry but they couldnt with out a check or debit card. i showed them my ID and said no if I have a bank account than give me my money. They wouldnt so I left. This happen back in XXXX or XXXX. I just heard they have been making faults account in peoples name. I just want to know about the account in my name with my ss #. 
Thanks 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 2023-08-22 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: AZ

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: GA

Complaint narrative:
I

n 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. 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 explanation
Consumer complaint received 2023-08-22 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: FactorTrust, Inc.
State: CA

Complaint narrative:
n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX/ Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 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 explanation
Consumer complaint received 2023-08-22 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: LEXISNEXIS
State: CA

Complaint narrative:
n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX XXXX Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : SXXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 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 2023-08-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have XXXX  XXXX XXXX XXXX, that's I did not authorize on my credit report that is showing negative inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have XXXX  XXXXXXXX XXXX XXXX that's I did not authorize on my credit report that is showing negative inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I transferred {$7000.00} from my external bank checking to Goldman Sachs savings account on XX/XX/23 I later on that day realized that I did not have enough funds in my checking account to cover my monthly bills so I requested the {$7000.00} be transferred back to my external bank account ( XXXX XXXX XXXX  ) I patiently waited and for 5 days and no deposit ever showed up. 
I have been calling every day and been transferred to different departments and spoke to numerous supervisors I spoke at length to a specialist at the dispute team I sent a certified letter with my account number as they requested and they received it XX/XX/23 at XXXX XXXX  They have verified my external bank twice with me and my external bank account XXXX XXXX the last time was XX/XX/23 at XXXX pm I spoke to them yesterday XX/XX/23 and the Dispute specialist said it would take 30 to 45 days to resolve. 
I told her it was not right since I have a large amount of funds already in that account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-08-22 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
I have been contacted by National Credit Systems ( NCS ) a company headquartered in the state of Georgia. I have made an attempt thru direct dispute with the furnisher sending certified and marked correspondence on XX/XX/2023, with the company supposedly to validate the alleged debt and to see if they are a recognized company. I have not received anything from the proposed original creditor which is listed as XXXX XXXX XXXX. I have been threatened that I may be sued and if sued then my accounts will be garnished without my authority.

I have sent the company notice that I am not going to pay the alleged debt to them since they have ignored my validation requests. I have asked the Credit bureaus to investigate however they have told me that I am not going to get any information directly. rather only that NCS has validated the debt with them. When I asked for additional information on the verification, I was told that I would have to supeaona each credit reporting agency just to get the process of how NCS is validating and verifying this debt.

The date it was added to my consumer profile is incorrect as well it states XXXX, but it did not pop up until XXXX timeframe which didn't allow me my 30 days to respond. Once I saw the account, I immediately sent a cease-and-desist letter to NCS. However, they have continued to violate my privacy and report this erroneous information onto my account.

I did not give any organization a right to add any info onto my report nor was i offered a opt out to my transactions and experiences. My consumer rights have been violated and my right to privacy abused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had deposited a check to my Bank of America account it went through then I see that my account went XXXX and then I got an email regarding the check that it would either not work or I would refunded the XXXX into my account once it was looked at and verified I wake up this morning to check my account and I got a notification on my banking app that my account was locked I called and I was told that Bank of America took it upon themselves to completely deleted my account because of fraud I told them I didnt care anymore about the XXXX Im guessing that the check wasnt good which me and boss understand but after that i just told the representative from the bank that I wanted to have my account back because I have my family send me money and where I live I dont have a Bank of America close by Id have to drive XXXX XXXX to Bank of America keep in mind I dont drive and I dont have a car I dont even have family here in Ohio I just want to keep my account and have my debt card working they wouldnt even provide me with the reason as to why I wasnt notified by email nor have I had the help Im looking for

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 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
XX/XX/XXXX 3 Transaction were attempted with Wise-LTD TRNWISE XXXX XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX I Reached out to their Customer Service at XXXX XXXX XXXX XXXX XXXX  Thier Email is Appeals @ wise.com I was Told that I would Recieve My Funds After Cancelling a International Money Transfer ; due to Frustrations with the Service, My account was Subsequently closed and then i was out XXXX XXXX  i Reached out to XXXX  and explained My Parameters. 

My appeal was Closed without any Explanation and The Customer Service Department had a Hand in Covering up This Instance of Fraud. 


I am a Retired XXXX  and I was Sending Money to My Family Back in XXXX and I am Astonished with the Fraudulent activity that occurred to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: PA

Complaint narrative:
Experian stated that a proper investigation into an issue on my credit report was done according to the FCRA. Still, I know they needed to follow proper protocol and investigate the legitimacy of the fraudulent accounts listed on my consumer report. This process has been extremely stressful and has caused me to be discriminated against when applying for credit.

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 2023-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
Solicited for the Upgrade Triple Rewards VISA " Credit Card '' through XXXX XXXX. Advertised as a cash rewards credit card. Applied for the " credit card '' and approved for a {$20000.00} limit. Used the card for various expenses beginning XXXX XXXX XXXX. According to the first statement, charged {$10000.00}. Paid {$15000.00} by due date. Was charged interest in the amount of {$200.00}. Called and complained, advised that the balance was paid off within the statement period. I was furious, asked them how a " Credit Card '' accrued interest from day XXXX. They told me this was an installment loan. How can a product that has a {$0.00} balance, is issued a credit card, has a cash back feature on purchases, and not have a defined starting amount, carry a VISA logo, and be accepted anywhere a credit card is accepted be classified as anything other than a credit card? At the point of my 4th statement, I was still not given any clarification, I was denied a payoff and told that it takes 3-4 days to generate a payoff. I have since been charged thousands of dollars in interest at a rate that is XXXX and the carrot on top is that they reduced my credit line so that my credit utilization shows maxed out and my score dropped so I was unable to transfer the balance out. I have been dealing with this trash for over a year now. To further validate my claims that this is a predatory and unscrupulous product, EVEN THE COMPANY THAT LED me to this lists the debt as a CREDIT CARD, not an installment loan. I would like the bureau to step in and stop this extremely deceptive practice and force the company to honor the terms of a CREDIT CARD. I would also like reparation 's be made for the overcharged interest when the balance was paid to {$0.00}. 

It is also of note that when I returned to XXXX XXXX to leave a Buyer Beware review, I found a few similar reviews. When attempting to locate my review and the others that were left, they have all been removed from the site. XXXX

Company response to consumer: Closed with explanation