vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 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: DC

Complaint narrative:
In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: DC

Complaint narrative:
In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXXXXXX 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 2023-10-01 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: CA

Complaint narrative:
I checked my credit report and noticed on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported that my account with XXXX XXXX XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently disputed multiple collections on my credit with the collection company and Experian/XX/XX/XXXX for validation of debt. I asked for proof of signed contract between company and I and wasnt provided with one. I sent a request via mail to Experian/XX/XX/XXXX requesting information on how accounts were verified. I have collections account showing as open with a past due balance. XXXX XXXX Investment, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. I am requesting that these accounts be deleted from my credit 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 explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
Linebarger Goggan Blair & Sampson, LLP is sending me " demands for payment for delinquent civil violation ( s ) '' on behalf of Delaware Department of Transportation. The problem is that the debt was included in my XXXX XXXX bankruptcy [ XXXX XXXX. XXXX, XXXX XX/XX/XXXX ]. In fact, during my bankruptcy, the business continued to contact me demanding payment - to the extent that my attorney 's office had to reprimand the business for their illegal debt collection attempts while I was in active bankruptcy. At that point, the payment demands stopped for about a year until I just received one dated XX/XX/XXXX, again demanding payment for the discharged debt that I do not owe. 

During my bankruptcy, I notified the business several times in writing and over the phone that the debt was included in my XXXX XXXX case. I was told verbally by a representative that she notated my account with the bankruptcy information and I would not receive any more notices. I feel I'm forced to notify all relevant regulatory agencies at this point because the business is blatantly ignoring the discharge of this debt and at this point I feel their continued contacts are a source of harassment. Despite my best efforts they ignore my communication and provide no useful information. I must add that the business did not attend the meeting of the creditors, and never disputed the discharge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: Kriya Capital, LLC
State: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 section 4 - States I have the right to privacy.

15 USC 1681 section 604a section 2 - Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On two separate occasions when attempting to access funds from a business account for which I am a registered user I have been put through " additional verification procedures ''. These include answering additional questions, having supervisors and/or mangers come over to help the bank teller, being asked to re-sign a withdrawal slip and having my driver license information scanned and rescanned. When I ask what the problem is and why my transaction is taking so long. I am given dishonest and troubling excuses like we " have to check if there is enough money in the machine ''. This is especially troubling since the balance on the account tends to be between {$70.00} and $ XXXX and the withdrawal amount have been {$3000.00} and {$6000.00} respectively. The date of the last incident happened on Friday XX/XX/XXXX at approximately XXXX. Both incidents happened after providing my bank card and a valid CA Driver License during face-to-face transactions with the teller representative. I have gone to another location and these " extra procedures '' do not take place. Both of the incidents happened at US Bank located at XXXX XXXX XXXX XXXX, CA XXXX. I have emailed the branch manager, and he has not yet resolved the problem.

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 2023-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I previously had Internet service with XXXX XXXX. Couldn't afford the service anymore. I was informed I owed {$240.00} for the devices used for the Internet service. Called them and instructed a sales rep come pick up their device. He did pick it up and informed me there was nothing owed once the device was returned. I received a call from an attorney who stated I owed the amount listed above. I informed her the device was returned. I look at my credit report and the amount they claim I owe has gone up to {$500.00}. I don't owe XXXX XXXX anything once their device was returned.

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 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Mohela needs to forgive the remaining balance of my student loans. The loans were supposed to be consolidated first. Then, all of my student loans would have been forgiven. Mohela did not do it. 

Please correct the mistake. Forgive the rest of my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: CA

Complaint narrative:
I checked my credit report and noticed on XX/XX/ XXXX XXXX XXXX XXXX reported that my account with XXXX XXXX XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-10-01 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: CA

Complaint narrative:
I checked my credit report and noticed on XX/XX/XXXX reported that my account withXX/XX/XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XX/XX/XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-10-01 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.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Chexsystems will not accept my request for their credit report. The online system will not ACCEPT the application because of an expired drivers license. I no longer drive and do NOT have a drivers license. There is no other way to provide an alternate ID like a passport. There is no way to contact ChexSystems by phone, it is always automated and a human can not be reached. They are required BY LAW to provide my credit report.

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 2023-10-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a renewed complaint concerning my ongoing dispute with Wells Fargo Bank. I recently engaged in another conversation with them, lasting for approximately 50 minutes. In this call, Wells Fargo informed me that they have initiated the processing of four disputed transactions, providing the following claim IDs : XXXX XXXX XXXX While this may appear to be a step forward, a significant concern remains unresolved. When I inquired whether I would be required to make payments for these pending claims in the next billing cycle, Wells Fargos response was far from satisfactory. Instead of providing a clear answer, they transferred me between multiple departments, leaving me without a resolution. Ultimately, I was informed that these claims are still pending due to allegedly missing documentation. 

I must emphasize that I have diligently followed Wells Fargos prescribed process, reporting each claim over the phone and promptly supplying all requested information based on their inquiries. Despite my full cooperation, they continue to delay and avoid processing these claims. Their assertion that I havent provided necessary information is perplexing, considering that I possess the claim IDs as evidence. 

This situation strongly suggests that Wells Fargo is intentionally delaying resolution, allowing these claims to linger indefinitely. It is evident that their actions do not align with their stated commitment to promptly and transparently resolving disputes. The banks inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially when they possess the requisite information, is both disheartening and unjust. 

In light of this, I implore the relevant authorities to intervene and oversee Wells Fargos activities. The banks behavior warrants a comprehensive investigation and appropriate measures to ensure they adhere to ethical practices and treat their customers with the respect they deserve. 

I sincerely appreciate your attention to this matter and your role in safeguarding consumers rights. 

Sincerely, 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 2023-10-01 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: FL

Complaint narrative:
XXXX XXXX  TransUnion XXXX XX/XX/ TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/ TransUnion XXXX XX/XX/ TransUnion

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Between XX/XX/XXXX - XXXXXXXX XXXX a credit pull was performed by XXXX which I authorized for a line of credit to support my purchase for a home security system. This resulted in my credit score dropping XXXX points. I believe the credit score should not have dropped so significantly. I purchased a new home recently for far more credit and my score didn't drop that much. I have actively put measures in place to ensure no lines of credit on my profile will be paid late and I frequently monitor my credit performance. 

I would like to request that my credit be restored to the score it was prior to the recent credit pull, which was XXXX. Please feel free to contact me anytime. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: Monevo Inc
State: NC

Complaint narrative:
The company MONEVO INC has obtained my consumer report on XX/XX/2023 and XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to MONEVO INC to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have contacted Penfed ( my current credit card company of over 8 years ) multiple time in the last few months at their customer care phone number. I did so because I no longer have a checking/ savings account with them but opted in to use an external account ( my outside bank ) to make a payment on my Penfed credit card. Each time I spoke to Penfeds reps, I was given a form to fill out which I did and returned. I then was walked through setting up the external payment online, which I did. I lastly was told that I needed to wait until two small deposits were made into my external account in order to verify it before I could use the external account to make a payment towards my Penfed credit card. Each time I called in to check on this, I was told it was pending. I got multiple calls from their payment collection team because I missed my payment due to this. Penfed allowed NO OTHER OPTION to make a payment towards my credit card since I did not have their checking/ savings. I also am not local to them to visit a branch. I requested a manager for callback multiple times which they never called me, only promised to have one call. THIS CAUSED A PAST DUE PAYEMENT record on my XXXX and XXXX credit report which dropped my credit score. I believe this was not in fault of my own, but a fault of Penfeds system as well as customer care reps who lacked the knowledge and care when I would call about this issue. I am demanding Penfed remove the past due record entry on my credit report or I will seek further legal action. They have all calls monitored and recorded from the countless times I called in regarding this issue as well as every time I brought it up when they called me about payments. 
Desired Outcome/Settlement Desired Settlement : Correction to a credit report - Removal of past due

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 2023-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: GA

Complaint narrative:
Fraudulent mail sent in connection with collecting a debt.

Company response to consumer: Closed with explanation