vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2024-07-14 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of information that Nordstrom/TD has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for Nordstrom/TD to furnish my information to creditors or obtain my information from other sources. 

Upon reviewing my credit report, I have noticed entries that suggest Nordstrom/TD has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: NH

Complaint narrative:
I have received a bill from a company I do not recognize demanding payment for an outstanding debt. The company identfies themselves as " Systems and Services Technologies , Inc. located at XXXX XXXX XXXX, XXXX XXXX, MO XXXX tel. XXXX The correspondence claims a monthly payment of {$320.00} is owed toward a balance due of {$5300.00}. No identification of the source of this claimed debt obligation is offered in the correspondence. 

I am concerned that this company is attempting a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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.

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 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started working at a XXXX XXXX For some reason they restricted my account because they wanted to verify the checks my job gave me. I ask them why does it need to be verified in the first place. They did not even know why it needed to be verified. I talked to my job about it and got all new checks for the job so I am not worried about that anymore. The problem is with XXXX check that they need to verify which is from my landlord back in XXXX which is where I go to college. It was a check for {$400.00}. I called them so I could have them verify it. They said they called my landlord and stated that she did not want to verify the check. When I talked to my landlord over the phone she told them that she made the check for me and that I went to go deposit it. They said she did not share extra details that they needed to know to verify the check ; however, when I talked to my landlord she said they did not ask any other questions. So they are lying to me making it impossible to get the money from the check back. Another problem is that even if I did verify the check from my landlord they said I won't get the money back because they need to verify the other checks from my XXXX XXXX Once they do that they said they will be able to give me the money back. When I tried having them verify the XXXX XXXX they said they called a phone number that is linked to the check and no one responds. When I ask them what phone number are they calling they won't tell me. I told my management at work about this and they also do not know what phone number they are calling. One time they let me give them the phone number to my boss in which they claimed to have called her and they stated that she did not want to verify the check. When I call my boss after, she said that no one from chase called her. I just want my money from the {$400.00} check that was given to me by my landlord, but these people are making it impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit and noticed I had fraudulent accounts on my report and hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my Rights. REPORT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

12 U.S.C 1681 Section 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 non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi, All three credit agencies have incorrect personal information on their website, which can lead to sensitive information going to individuals and addresses that do not belong to me. 

My legal name is : XXXX XXXX XXXX. Please remove all other variations and incorrect spelling or arrangement of my name. I have one name, so only one name should be on my credit report.

I have only one address which is below. Please remove all other addresses and variations of address. I don't want sensitive mailing going to an address where I do not collect mail or live. This is how identity is stolen. 

My true and correct name and mailing address is below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, All three credit agencies have incorrect personal information on their website, which can lead to sensitive information going to individuals and addresses that do not belong to me. 

My legal name is : XXXX XXXX XXXX. Please remove all other variations and incorrect spelling or arrangement of my name. I have one name, so only one name should be on my credit report.

I have only one address which is below. Please remove all other addresses and variations of address. I don't want sensitive mailing going to an address where I do not collect mail or live. This is how identity is stolen. 

My true and correct name and mailing address is below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ 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 2024-07-14 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of information that BRCLYBANKDE has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for BRCLYBANKDE to furnish my information to creditors or obtain my information from other sources.

Upon reviewing my credit report, I have noticed entries that suggest BRCLYBANKDE has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from 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 2024-07-14 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2024-07-14 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I came to check my credit and Ive seen and got a email about capital one and XXXX XXXXXXXX XXXX I have no idea what these are about because I never had a credit card and or anything from XXXX in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I leased a 2023 XXXX XXXX in XXXX of 2023. I noticed in XXXX the lease payments had not been reported. I contacted Honda financial and they told me they are reporting the payments and to contact the credit bureaus. I was confused because I was under the impression this was the finance companies responsibility. I then contacted the dealership and they agreed ( with me ) that it should be reporting on my credit. They advised me to call Honda financial back. They then advised me to give them XXXX  days they will need to reset the reporting. As of today, there is not any reporting on my lease payments and it has been XXXX months since I leased my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi, All three credit agencies have incorrect personal information on their website, which can lead to sensitive information going to individuals and addresses that do not belong to me. 

My legal name is : XXXX XXXX XXXX. Please remove all other variations and incorrect spelling or arrangement of my name. I have one name, so only one name should be on my credit report.

I have only one address which is below. Please remove all other addresses and variations of address. I don't want sensitive mailing going to an address where I do not collect mail or live. This is how identity is stolen. 

My true and correct name and mailing address is below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ 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 2024-07-14 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of information that CB/EXPRESS has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for CB/EXPRESS to furnish my information to creditors or obtain my information from other sources.

Upon reviewing my credit report, I have noticed entries that suggest CB/EXPRESS has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
At the XXXX XXXX XXXX on XX/XX/year> I was approached by XXXX XXXX and we set up an appointment with XXXX XXXX to attend a seminar concerning timeshare I attended a timeshare presentation on XX/XX/year> at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX for XXXX XXXX. XXXX and XXXX told me they would run a soft credit check to see what I would qualify for if I got approved and was interested in their product. I declined their product and the credit card. The next day I was sent an email that a credit card was being sent to my house.

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 2024-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of information that CAPITAL ONE has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for CAPITAL ONE to furnish my information to creditors or obtain my information from other sources. 

Upon reviewing my credit report, I have noticed entries that suggest CAPITAL ONE has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: RI

Complaint narrative:
I was contacted by the company called. XXXX XXXX XXXX XXXX XXXX Their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This debt collector has harassed me. They have called multiple times stating I owe them {$8400.00}. I explained to them I needed proof of this statement because I moved from the apartment located in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXn XX/XX/2021. The debt collector company then proceeded to state that I never returned the keys to this apartment complex. I stated I didnt have the proof but a few months later I found the letter I had signed when I returned the keys. I disputed via XXXX and provided this proof and also attached the paper by the school provided to me the same day I took my kids out of school. There hasnt been any response towards this proof I provided. I called and explained to them I did a dispute with PROOF and they removed the debt from my XXXX credit but then they put it back.

Company response to consumer: Closed with explanation