vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts listed below have violated Federal 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 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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts listed below have violated Federal 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT 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 non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXXXXXX XXXX XXXX. I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle. Below I attached a screenshot of a letter that was uploaded to the documents portion of my online account. Only the notice of intent to sale was uploaded and sent. I was not made aware of the actual sale date, time and location.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX at around XXXX XXXX $ of fraudulent debit transactions hit my husband 's and I 's joint checking account in XXXX separate individual charges ( a XXXX $ charge associated with XXXX XXXX, a XXXX $ charge associated with XXXX XXXX and a XXXX $ charge associated with XXXX XXXX ) associated with my debit card. All of these charges happened about XXXX minutes of each other including further attempted charges that Regions fraud prevention finally stopped. We immediately notified Regions of these fraudulent transactions and requested a new debit card and for the current debit card to be permanently removed from our account within XXXX minutes of this taking place. We were notified by Regions that we could not dispute these transactions until they posted to our account though. On XXXX the charges posted to our checking account, and we disputed them with Regions. Regions refunded us all XXXX $ dollars of fraudulent charges on XXXX and XXXX. On XXXX we received a letter from Regions dated XXXX stating that XXXX of the fraudulent charges would be charged back to our account ( the XXXX $ and XXXX $ XXXXXXXX XXXX charges ) on XXXX. It is important to note that to my knowledge I never had an XXXXXXXX XXXX  account and upon requesting statements from this XXXXXXXX XXXX account they show XXXX $ monthly totals and an inactive account from XXXX till the date of this incident. My husband and I have since reported this to local law enforcement and completed a police report regarding identity theft. Regions is now not cooperating with our requests for documentation showing the further charges that were attempted on our account on XXXX that did not go through and were blocked by regions fraud prevention. Regions is also attempting to charge XXXX $ of charges to our account on XXXX which we did not authorize and immediately reported as fraudulent.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not enter into an informed agreement. I first made a decision prior to receiving an agreement. There was NOT two consenting parties in this agreement.

I was UNINFORMED on basic facts such as I needed two consenting parties to make the agreement, I needed an understanding of what was in the agreement as it was NOT conspicuous nor clear of what I agreed too especially since I did not receive the agreements until after the 30 day period, I was supposed to be able to make an inform decision. I did not know the cost to me of what may come from this credit. I did not know the subject of the agreement when I made a decision.

It is a person of whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness OR if there is no such evidence of indebtedness by agreement. Meaning on the face of that uninformed decision there needed to be evidence I owed them prior to receiving the card so they created an agreement I was unaware of and would not receive without informing me in order to create false debt.

Because of the uninformed decision the contract and agreement was null and void at the beginning.

15 USC 1643 ADEQUATE NOTICE. 
Basically says that XXXX should have made sure I 100 % understood the terms and agreement as well as received the information prior to signing up for it. Not only did I not actually sign anything by hand but by clicking a button that XXXX themselves used a electronic signature they themselves created for me in place of my own signature, by I was unable to receive any information prior.

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 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
CHASE RESTRICTED MY CHECKING ACCT. ENDING IN XXXX ON XX/XX/ without notice, explanation, violation of Prvacy Act, by branch officer by forcing military type " drilling '' tactics on a vulnerable Mississippian forcing me to leave without filing a claim or looking into accounts activity. I've had NO cash since XX/XX/XXXX making me physically sick which is documented. Since i have not had access I don't know what or what has not been done, what's been hacked,? I know Chase will do nothing! They treated me as if I was the Hackers doing this to myself. IAccussing me of giving my password to Hackers when i told him repeatedly that i DID NOT. GIVE ANYTHING TO ANYONE! 
got a copy of these bogus checks that are comical that anyone would spent anytime on them at all! Chase thinks that I " running some kind of check fraud scam I guess! l. See camera footage. 
IM A VICTIM I'M NOT HACKERS ON DARK WEB!!! 
AS OF YESTERDAY, MY SSA HAS BEEN HACKED & DIRECT DEPOSIT CHANGED TO GO TO HACKERS ON XX/XX/XXXX. ALL THANKS TO CHASE NOT BEING TRANSPARENT WITH ME SO I COULD PROTECT WHAT LITTLE I HAVE LEFT. Chase is working with the Hackers not the victims or consumers! 
Discrimination on the Vulnerable because I live pay check to pay check or because I wear a metal leg to walk with or a came ... doesn't make me any different then anyone else. Why treat me differently?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and any inquiry.

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 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
what is happening now is that I want to opt-out exercise my no discloser law 15USC 1692cc 15USC 6801 15USC 6802 According 15usc 6802 i want all accounts deleted and dont want to disclose my info.

It was congress that state each financial institution has an afffirmitive and continuing obligations to respect the privacy of its customers and to protect the security and confidentiality of those customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and any inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I've highlighted the inconsistencies and inaccuracies in the account information provided from the three credit bureaus : XXXX, XXXX, and XXXX. 

Date Opened : There is a discrepancy in the Date Opened across the XXXX bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Last Reported : There is a discrepancy in the Last Reported date between XXXX and the other XXXX bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : There is a discrepancy in the Date Last Active across the XXXX bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These inaccuracies and inconsistencies may violate the Fair Credit Reporting Act ( FCRA ) provisions. In particular, they violate Section 611 ( a ) of the FCRA, which states that a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate when a consumer disputes the accuracy of information in their credit report.

Given that the collection agency has verified the inaccurate information, the credit bureaus are now in violation of Section 623 ( b ) of the FCRA, which requires a furnisher of information ( in this case, the collection agency ) to conduct an investigation upon receiving notice of a dispute from a consumer reporting agency and report the results back to the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I have called and have sent certified letters to all XXXX credit agencies letting them know that the addresses are not complete. They are in all XXXX agencies abbreviated or incomplete. According to the FAIR CREDIT ACT all information needs to be precise and exact no abbreviations are permitted.

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 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was with Washington Mutual from XXXX until XXXX when chase took over my account- which I held for over 14 years. Never had any issues, over drafts or fraud. Was part of Chase private client services and thought we were the ideal customer. 
XXXX received a letter informing me that my personal bank accounts would close effective XX/XX/XXXX. 
Tried calling, tried going to the bank, reached out to my private banker. NO ONE COULD GIVE ME ANY REASONS OR ANSWERS. There is no process to appeal or gain more information. I am a part owner of a law abiding and legitimate business operation with XXXX plus employees and over {$120.00} XXXX in annual revenues. I have received large wire payments as distributions from my business over the years and I am an accredited investor who has wired money into several real estate business transactions. Again, all are reported via our taxes ( of which we paid over $ XXXX to the Federal government in XXXX ). 
Without any reason given, I have no recourse for keeping/ maintaining my accounts. 
It created a huge hardship and sent us scrambling to reconnect to a new bank and set up auto payments with various vendors/ mortgages etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
A special promotion with Synchrony Care Credit. If I don't pay off my balnce by XX/XX/XXXX Care Credit is going to add the accrued interest based on the original amount instead of what is left over ( {$1000.00} plus ) back into the remaining balance. I applied for a special XXXX XXXX balance transfer card with 15 months no interest. Care Credit is blocking the transfer because they said it is illegal to pay a credit card with a credit card and Care Credit is blocking the transaction. I have called and called Care Credit and they keep saying the same thing. XXXX XXXX said they transfer balances all day. Care Credit allowed me to transfer their balance to my XXXX XXXX years ago but now they are. 
Please help

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and any inquiry.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I have alot of fraudulent opened and reported accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : Personal Loan Company Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off 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 non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX You are in Direct Violation of The Fair Credit Reporting CAPITAL ONE has violated several of my rights! 

15 U.S.C 1681 section 602 A. Clearly states that I have right to my privacy.

15 U.S.C 1681 section 608 A. Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation