vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: 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. 

Account Name : DEPTEDXXXX  Account Number : XXXXXXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit card ending in XXXX was closed after being remaxed out after lump sum payment of {$2800.00} was paid out of income tax to pay off credit card XX/XX/XXXX. I XXXX XXXX had been dealing with fraud which drop credit score. Proof was provided to Chase regarding fraud case, police report was rejected by Chase bank and suggested closing the account XXXX after agreement of paying off card. Cash advance interest on card keeps going up even tho all cash was paid in 24hrs. Refunded transaction still added to account, not excluding stolen refunds for lost items. Also being charged extra change along with original purchases. When brought to the attention of XXXX for noticing several transactions. Overdraft checking account with large amounts ( XXXX ) on auto pay without my consent, knowing funds not available Overdraft protection off. Deposits be missing with explanation. Take recent transactions and view!! ( XXXX ) Chase has been stealing from me since I became a customer in XXXX, first {$10000.00} income tax check disappeared.Forced to closed credit card account to avoid interest still being added. Refuse to pay off after agreement broken after lump sum paid out. Action case the cut of other credit card agencies such as XXXX XXXX lowering credit limit to {$700.00} from {$1000.00} after several lump sum payments also, stop payments due to chase actions.

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

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 XXXXXXXX Account Number : XXXXXXXX  Account Name : XXXX Account Number : XXXXXXXX  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 non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent errors and inaccuracies. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of 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 non-monetary relief
Consumer complaint received 2023-12-12 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: MD

Complaint narrative:
I demand the listed accounts be removed. I have not given consent, authorization or written instruction or permissible purpose. I have also not been given opportunity to opt out. This is a violation of federal law, state law, and public policy. These are also violations on the XXXX specifically section 6050i, 6050p, 7203. These are also criminal violations of 18 usc 2, 18 usc 1341, 18 usc 1348, 18 usc 1349 as well as violations of the FCRA for inaccurate and improper reporting and the GLBA and FDCPA. Both data furnishers and consumer reporting agencies are in violation of the law, and I am giving opportunity to cure. The following accounts must be removed : 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 Thank you for your attention into this matter. 
PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION. 
THIS IS THE DEMAND FOR REMOVAL OF INFORMATION IMPROPERLY PLACED ON MY 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 non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
15 usc 1666b a creditor shouldnt treat a payment as a credit card. Which this account from XXXX XXXX XXXX XXXX is a charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Upon reviewing my consumer report, I notice several accounts that Synchrony Bank is reporting without obtaining my written consent. The following accounts did not had a certified document explicitly stating the permissible purpose for obtaining or using my consumer report : XXXX 's account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, and XXXX XXXX account ending in XXXX. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have included an advisory opinion from the Consumer Financial Protection Bureau, which outlines specific obligations for consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX, Stillman Law Office, and XXXX XXXX XXXX for their handling of an alleged debt. I believe their actions constitute multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

Lack of Debt Validation ( Violation of FDCPA 809 ( a ) ) : In or prior to XX/XX/ XXXX XXXX XXXX XXXX sold an alleged delinquent debt to XXXXXXXX XXXX, who then referred it to XXXX XXXX XXXX. Despite my repeated requests for validation of this debt in XXXX, XXXX, and XX/XX/, including specific requests for the cardmember agreement and proof of debt reassignment, XXXX XXXX XXXX failed to provide sufficient documentation. Instead, they repeatedly sent a 2-page copy of a bill, which does not satisfy the requirements for debt validation under the FDCPA. 

Multiple Collection Attempts for Unvalidated Debt : Despite the lack of proper validation, XXXX XXXX continued to engage in collection activities through credit reporting and other means. Furthermore, another collection agency, XXXX XXXX XXXX, also attempted to collect the same debt. This was followed by Stillman Law Office making a new collection attempt in XX/XX/XXXX XXXXXXXX All these attempts were made without providing the necessary validation documentation. 

Repeated Sending of Insufficient Information : XXXX XXXX XXXX repeatedly sent the same insufficient bill copy in response to my validation requests, which demonstrates a disregard for their obligation to provide comprehensive debt validation as per the FDCPA. 

Reporting to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX continuous reporting of this debt to credit agencies without providing validation is concerning and potentially violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

In light of these issues, I request the CFPB to investigate this matter and take appropriate action against XXXX XXXX, XXXX XXXX XXXX, Stillman Law Office, and XXXX XXXX XXXX for their non-compliant debt collection practices. I am seeking a complete cessation of all collection attempts until proper validation is provided and any incorrect credit reporting to be rectified. 

Enclosed are copies of all correspondence with the aforementioned agencies, along with records of my requests for debt validation and their insufficient responses. 

Thank you for your attention to this matter. I am looking forward to your prompt response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The XXXX XXXX account was deleted from my credit report 2 times and Experian keeps adding it to my credit report. I am so tired of these credit bureaus and the way that they do illegal things. I disputed this account and waited the whole 30 days as required by law and now they just added the same account to 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. I do not recognize this public record, and it is not associated with me. Reporting this item is erroneous, and I request its immediate removal from my credit file. This inaccurate information is detrimental to my creditworthiness and must be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed on XX/XX/. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Please see attached file with all the documentation and explanations. 
I am sure both Lowes and Synchrony will know who I am so my name and address info is included in the attached file. 

All these transactions were apparently conducted at the XXXX Lowes store without my presence or credit card. What Lowes employee created and processed these transactions using my Lowes credit card without my authorization, knowledge, approval, my actual credit card or my presence? 

The {$200.00} additional charge for stucco work was fraud because my house does not have stucco. 

The {$100.00} credit is reimbursement for the caulking that I had to do because the installer lied and said it was extra even though it was included in my total cost of {$1200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
EXPERIAN : in XXXX of XXXXXXXX XXXX and XXXX of XXXXXXXX XXXX I did dispute fraudulent info regarding two collections agencies trying todo collection on the same debt " exact '' ACCOUNTS .... which both can not do? First... .of all .... 
and which I neither owe original debt too... also... .see below. Lastly, because " Debt was paid '' off long time ago. And neither one has presented proof I owe the debt... Experian refuses to investigate the collection agencies. Original Creditor was XXXX XXXX XXXX. " Paid them ''. See below : ( 1 ) XXXX XXXXXXXX XXXX XXXX , XXXX, sold to XXXX XXXX XXXX ..closed written off ( 2 ) XXXX XXXX XXXX XXXXriginal creditor XXXXXXXX XXXX XXXX, DEBT BUYER ..collection account What is Section 604 of the FCRA 15 USC 1681?

FCRA section 604 ( c ) defines when consumer reporting companies may furnish consumer reports in connection with credit and insurance transactions not initiated by the consumer. 15 U.S.C. 1681b ( c ).

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 usc 1681 602 ( a )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a Chase account on the basis of using the account for the United Airlines mileage points. After opening the account, the bank blocked my access to online bank. When I tried to call them to restart the process, then a rep claimed that they could not verify me even though I provided the telephone number on file. They claimed that they could not text the number. Meanwhile, when I went into the online portal to change my address, then I got block from the online portal access. I later discovered that Chase experienced " technical difficulties '' with its website. However, when I called about the matter, I got informed that someone would call me back. To date, the matter remains unresolved. That is, Chase fails to honor its agreement regarding my mileage points while also denying me access to the card. When I asked about closing the account, I got informed that I needed to use the online portal or visit a bank directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have made several attempts to retrieve the Purchase Agreement from this collection agency however they never provide the requested documents and this is impacting my credit.

Company response to consumer: Closed with explanation