vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a XXXX. I need help please

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 2024-01-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/30, XXXX gave me a {$40.00} gift on Venmo for my birthday as listed in the transaction memo. As he had not transferred money to me before he was asked to verify his intent to send money to me twice, first by verifying my Venmo ID, and second, by listing the last four numbers of my phone number. The next day I received notification from Venmo that the transaction was reversed, because XXXX claimed that he did not receive the item and therefore no purchase was made. As I stated and noted in the memo, this was a cash gift. There was no item, and there was no purchase. Venmo said I would be contacted for the investigation and could provide details. Deciding not to wait, I wrote to Venmo and provided the above information. Some days later I received notification from Venmo that the investigation was complete and that the {$40.00} transfer they had made into credit was removed from my account. I wrote back to Venmo to complain and get information on the case. The only response I received was a threat to close my account if I tried that transaction again. I called several times after that, was placed on hold long periods until I hung up, and the last time I called, the agent hung up on me. So I dont know what happened or what they were told because no one ever responded to my request for information nor was any of the information I provided considered in the investigation. What I do know is I was given {$40.00}, it was intended as a gift as noted in the memo of the transaction, and it was intended for me as twice verified by the sender. After the fact, the sender misrepresented the transaction and the intent with unknown details and my money was removed. I am due the {$40.00} and I want it deposited back into my account. I did nothing wrong or illegal. 

Dispute Id : XXXX External Payment Id : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: UT

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX XXXX, I do not have a contract with National Credit Adjusters LLC , they did not provide me with the original contract as requested. Correction to my credit report, I demand this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Monterey Financial Services LLC
State: AL

Complaint narrative:
I attended a XXXX XXXX XXXX XXXX XXXX XXXX and received a loan through Monterey Financial. Upon enrolling and paying for the school I was promised job placement as well as proper certifications and training from the school. I did not receive any of what was promised and was instructed by the owner who no longer owns the school to stop paying the loan they would take care of it. They did not. Now the school is closed down and there is no information to be found on how to contact them anymore. The school shut down due to not following through on agreed services that were included with the class.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a prepaid gift card through AMEX and recently made a few purchases through XXXX. Most orders went through but my recent order was declined. The order was in the amount of {$320.00} and the current balance on the prepaid card {$450.00}. So plenty of fund to cover the order. Called AMEX and was told to choose a different merchant even though the prepaid card worked on previous XXXX orders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
This guy fooled me by sending me authentic products at first to sell. I made about $ XXXX payment via XXXX XXXX XXXX his payment XXXX XXXX. For which he shipped all of the items. But for the next order he gave me another account on another company name. He had gained my trust therefore I transferred him the {$30000.00} in 5 transactions via Bank Transfer using Wise Payments bank account. We were contacting this guy via XXXX. When we transferred the amount he stopped responding us. We opened a case on XXXX XXXX and Wise Payments both. XXXX XXXX contacted this guy and he provided all the shipment record of orders where we paid via XXXX XXXX. 
We contacted Wise Payments Ltd about the scam and they said they can not do anything here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
Hello, I have a debt collection on my XXXX report, The original account was opened with XXXX communication. For starters the account in question is not my account. It was opened fraudulently by my ex wife several months after we divorced. The account recovery information is my ex wife 's email and contact number. XXXX had no means to contact me directly in regards to the debt. Through good faith, and an attempt to clear the account. I have paid the account balance in XX/XX/2023 conformation number XXXX. The account is currently reported as unpaid. I have disputed the account several times through XXXX. The dispute is coming back as account information verified as correct. I have also contacted XXXX XXXX directly, to which they stated the account would be updated.

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 2024-01-06 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: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-06 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Reporting late payment on credit reportXXXX XXXX XXXX repost late payment on credit report. XX/XX/XXXX of 2023 and XX/XX/XXXX of XXXXNo action was taken they would not remove it. 

GM financial amount XXXX report late after stating that the loan can be push back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To whom it may concern the reason of this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with NAVY FCU, I have also reached out asking they remove the inquiry from my credit profile. Please launch an investigation into NAVY FCU inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid. I am requesting that it be removed from credit report as soon as possible. However, if NAVY FCU is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention this matter. The following inquiry must be removed immediately. 

XXXX Creditor Name : NAVY FCU XXXX Date : XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, after checking the XXXX XXXX on the app I noticed that there was a hard inquiry to open up a credit card that I did not authorize. so I caused the TransUnion on XX/XX/XXXX. The customer service rep said if it was within 30 days he could help me out to dispute the hard inquiry. Or else I have to send a complaint from from FtC and send it to them if its more than 30 days. 
So he was able to help me dispute the hard inquiry. On XX/XX/XXXX, I called the TransUnion again to check the status. They said, I have to get a written letter from the hard inquiry, Bank, and also from FTC. I told them if it was within 30 days I dont have to do all those. They said, no, I must submit something inviting. 
On the same day XX/XX/XXXX, I also also called XXXX and XXXX and disputed hard inquiries and it was removed within 48 hours. 
When I looked up TransUnion website to dispute the XXXX  inquiry. It says I can not dispute online. I have the call the company. It doesnt say anywhere about submitting a complaint documents from FTC XXXX 
They can also listen recorded conversation I had on XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

There has been improper use of my credit and there are multiple charged off accounts certificates of indebtedness which are now income and need to be paid as agreed I need this done in each of my credit reports with XXXX XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My inner was sold and brought illegally I was a victim of the XXXX XXXX XXXX I want these items deleted from my credit reports effective immediately I am attaching proof that the XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
Social security number is XXXX The negative items that are fraud have not been removed from my experian credit report and XXXX Credit report theirs a federal trade commission identity theft report on file please have experian and XXXX removed those items

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 2024-01-06 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: IL

Complaint narrative:
UNAUTHORIZED INQUIRY XXXX XXXX XXXXXXXX XX/XX/2024

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 2024-01-06 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: VA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have provided my information to a consumer reporting agency without any written form of disclosure and without my written consent. You also failed to to produce evidence of said disclosure as described within the FCRA as no such document exist. This was a third party entity that bought my information another source.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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:
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

XXXX is being reported

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