vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: FL

Complaint narrative:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than XXXX occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate. 

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: Aargon Agency, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XX/XX/XXXX Aargon Collection Agency ( Account # :XXXX  XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, NV XXXX Re : Dispute of Unauthorized Access and Removal of XXXX  Due To HIPPA VIOLATIONS Dear Aargon Collection Agency ( Account # : XXXX ), I am writing to formally dispute the unauthorized access, use, and disclosure of my personal and medical information by your institution, which I believe is in violation of multiple federal laws intended to safeguard my privacy. 
Under the Health Insurance Portability and Accountability Act ( HIPAA ), my health information is protected and should not be disclosed without my express consent or knowledge. Similarly, the Privacy Act of 1974 ( 5 U.S. Code 552a ) restricts federal agencies from disclosing personal data without appropriate permissions. I have neither granted your institution nor any third-party the authority to access, use, or disclose this information. 
In terms of financial information, 12 CFR 1016.4 of the Gramm-Leach-Bliley Act ( GLBA ) mandates the issuance of initial privacy notices detailing your institution 's policies and practices around the sharing of nonpublic personal information. Concurrently, 15 U.S. Code 6802 of the GLBA prohibits financial institutions from disclosing such information to non-affiliated third parties unless the consumer is provided a clear notice and an opportunity to opt out, neither of which I received. 
Moreover, the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 articulates that it may be unlawful for Credit Reporting Agencies ( CRAs ) to release my credit report information without a permissible purpose. At no point did I grant consent for any CRA or furnisher to view or release my personal information. 
Furthermore, I wish to formally state that I decline your invitation to do business with your institution. Consequently, I request the immediate removal of your tradeline from my credit report. 
To address this situation, I expect : 1. A swift investigation into the unauthorized access and disclosure of my information. 
2. A written statement detailing the findings of this investigation. 

3. Immediate rectification or removal of any unauthorized disclosures or inaccuracies related to my personal and medical information on your records, including the removal of the aforementioned tradeline. 
4. Assurance that such unauthorized access or disclosures will not reoccur in the future. 
Should these concerns not be addressed to my satisfaction, I am prepared to take legal action to protect my rights. I anticipate your immediate attention to this matter. 

Sincerely, 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 2023-09-16 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: IL

Complaint narrative:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in XXXX Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: TX

Complaint narrative:
WESTLAKE FINANCIAL SVC Date opened XX/XX/2022 Balanced - {$24000.00} XXXX reached out to them with the number provided on credit report they are basically stating that some one opened up some type of loan that i have no knowledge or given authorization for this to be appearing on 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 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
HD XXXX unauthorized transactions XXXX on my debit card made at a XXXX in XXXX, Florida 1 day after I made a deposit at a XXXX next to my home in XXXX ma XXXX XXXX {$500.00} XXXX Ma, XXXX unauthorized purchases for {$320.00} made at XXXX in XXXX Florida, Chime says nothing suspicious will not refund my stolen money!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern. I need the assistance of your department. Im having issues with either XXXX XXXX or the credit reporting agencies. It has gotten to the point of just down dirty disrespect!! 
Whats going on is, this is the third time my score has been abusively pushed back to the mid XXXX. During the past 2.5 yrs. of building my credit, It has had various highs and lows of which I thought nothing of until just recently! 
I was using Credit Karma as a method to monitor my credit. After achieving a XXXX score the next reporting cycle my score dropped to XXXX?!! Which was the score I had when I first started building my credit. I contacted Credit Karma and was told that I have a thin file ( meaning I have no history ) and I need to contact the XXXX. Before I contacted XXXX XXXX  I received an email from XXXX urging me to check out my credit score thru their credit view. When I clicked on the link I was directed to XXXX login. I logged in and found out that my credit history was available I click on the latest history and saw that my score was reduced to XXXX! Then the following report it was increased to the mid XXXX again. So approximately XXXX points vanished from my credit score. 
When I saw that I felt cheated and disrespected. I started to wonder is this the reason Im having a hard time breaking XXXX? 
This is my third complaint about inaccurate reporting of my credit history. Ive reported the first two inaccuracies to the, Consumer Recovery Department. I dont think me writing to them again is going to stop this foolishness and unfairness! 
I feel that Im personally being held back for reasons I have yet to discover. These feelings may not be reality but looking at where my score is and comparing it to my history seems to be really hopeless, daunting, discouraging and a attack on my finances which are real feelings. 
I want a investigation started to solve this problem and I want my score adjusted back to XXXX plus the points I earned while Im waiting for this to be resolved. 
Ive included pics of my credit history thru XXXX ( credit view ) via XXXX or visa versa. I notice that when my score was deducted points, there were a lot of points taken. But when I gained/earned points the amount was minimum in comparison. 
If you need to contact me, I can be reached at XXXX or XXXX XXXX XXXX Thank you

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 2023-09-16 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: IL

Complaint narrative:
I recently reviewed my credit report and there's a lot of inaccurate information and unauthorized infractions as well as fraudulent information such as address and unknown phone numbers reported on my profile. I request that this information be removed under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of 15U.S code 1681i Procedures in case of disputed accuracy ( XXXX ) Reinvestions of Disputed Information ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, The agency shall, free of charge, conduct reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller

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 2023-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
The Motion for Relief was lifter in XXXX of XXXX. I sought the assistance of the State of Georgia and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX pledge {$5500.00} in mortgage assistance payments. The State of Georgia pledged {$50000.00}. 
We received a verbal confirmation and written confirmation that Fay Servicing would accept the {$5500.00} payment from XXXX XXXX XXXX XXXX XXXX. However, Fay Servicing returned the funds twixlce after advising that they would accept the payment. 

Now, I am no longer eligible for the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: TX

Complaint narrative:
Upon checking my XXXX and Transunion Credit Reports on XX/XX/XXXX, I noticed several unauthorized inquiries on my credit reports I did NOT authorize or recognize. I also know according to the FCRA, these unverified and unauthorized items must be removed. I also noticed a credit collection in the amount of {$540.00} from XXXX XXXX XXXX ( original creditor XXXX XXXX ) that I do not recognize that does not belong to me that needs to be removed immediately. I have placed security freezes on both credit reports as well as filed an FTC report and contacted the Creditors but did not get any resolution. The XXXX  Inquiries listed on my XXXX credit report that are unauthorized are : XXXX 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 XXXX XXXX XXXX 
The XXXX inquiries listed on my TransUnion Credit report are : XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX O XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX TXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX The FTC Report Number for XXXX is XXXX. The FTC Report Number for Transunion is 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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I went to XXXX XXXX XXXX on XX/XX/XXXX, at their address, XXXX XXXX XXXX , XXXX, VA XXXX. My purpose was to explore the possibility of purchasing a pre-owned XXXX  XXXX XXXX. During my visit, I provided my Social Security Number to one of the sales representatives named XXXX. I explicitly informed XXXX not to initiate a credit check without obtaining my approval first, after which I departed from the dealership. To my dismay, on that very evening, the used car sales manager conducted a credit inquiry without obtaining either my verbal or written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: GA

Complaint narrative:
I disputed some negatively reporting items on my consumer report, around XXXX of XXXX. I spoke to a representative from TransUnion, and I requested validation of the negatively reporting debts. TransUnion sent reply on or about XX/XX/XXXX saying they did an investigation. The negative information remains on my consumer report. I was never contacted by TransUnion during this " so called '' investigation. According to 15 USC 1681 ( A ) ( e ) the conditions were not met for a proper investigation. Also, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer, or from a consumer reporting agency, when such information was obtained directly from a creditor of the consumer or from the consumer. 
The information in question is as follows. 
A XXXX XXXX account XXXX for {$830.00} A XXXX  XXXX account XXXX for {$900.00} A XXXX XXXX  XXXX XXXX account XXXX for {$3600.00} A XXXX XXXX XXXX XXXXXXXX account XXXX for {$12000.00} And a XXXX XXXX XXXX  account XXXX for {$2200.00} Which is reporting negative information on the same debt as the XXXX XXXX account XXXX {$0.00} My right to privacy is also being violated. And 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction. I have not provided this, and I do not consent to the making public of negative items on my consumer 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 2023-09-16 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
ABSOLUTE RESOLUTIONS INVESTMENT A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. ABSOLUTE RESOLUTIONS INVESTMENT WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX XXXX. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

15 U.S.C 6802 1 ( a ) ( b ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am writing to file a formal complaint against Westlake Portfolio Management. They have been attempting to collect money from me for an auto loan that I have never taken out, and I believe this is a violation of the Fair Debt Collection Practices Act. I am providing the following details to support my complaint. Despite not having any contractual agreement or association with an auto loan with them, Westlake Portfolio Management has persistently contacted me, demanding payment for a supposed debt. The contract that I had was with US Auto Sales/Finance and they filed for bankruptcy XXXX  XXXX XXXX  is a debt collector not a finance company. This company even went as far as being put on my credit reports. I would like to clarify that I have never entered into any auto loan agreement or made any transactions with the company they claim to represent. I kindly request that XXXX provide me with detailed documentation regarding this alleged auto loan debt. This includes the auto loan agreement, my wet signature, any loan statements, or any other supporting documentation that establishes the legitimacy of the debt. I urge them to clarify the origin of this debt and verify my liability. I formally dispute the debt in question due to the lack of evidence and my complete absence of any involvement with the alleged auto loan. I kindly request that all further collection attempts cease until XXXX can provide proper documentation and prove my liability. In order to ensure clear and effective communication, I prefer to be contacted by mail. Please refrain from contacting me via phone or email until this matter is resolved. I request that XXXX conduct an immediate and thorough investigation into my claim. I expect a comprehensive response within 30 days, addressing the specific details of this complaint and providing a resolution to this matter. Attached to this complaint, you will find copies of all correspondence and any supporting documents I have related to this issue. I appreciate your attention to this matter and your assistance in resolving this unjust debt collection attempt. I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this complaint and take appropriate action against XXXX if deemed necessary. Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with explanation