vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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 ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX credit card 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 2024-04-04 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I contacted Early Warning and requested to opt out and they denied my request stating that they do not fall under the FCRA rules and regulations. They would not provide a written denial to my request only a verbal denial. 

I have a right to revoke and rescind any all contracts with any party sharing my information and I am exercising this right now. I revoke any and all agreements you might have with any party and forbid you to report my information without my consent per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
WF BANK NA Account Number : XXXX Date of open : XX/XX/2020 Please correct/update this inaccurate information 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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I have tried to call several times and get placed into forbearance as I have now served over 10 years and have the necessary payments. Ive been told 2x now I could be placed into forbearance while the number was under review but I havent been and I can never get a hold of them in a timely manner as well as when I do, it gets escalated and I get put on hold for eternity. 

I want forbearance. I want my money back that is post submission of my documents since I should no longer be paying. I dont have time to deal with this terrible servicer as Im STILL SERVING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Your agency is in violation! 
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.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - UNEMPLOYED WITH INCOME Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.

Your agency is in violation!

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.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase claims of a missed payment through their payment plan process invalidly caused my credit score to go from a XXXX on XXXX. XXXX to a XXXX on XXXX XXXX an outrageous XXXX point decrease then several more reports after the initial first one over the next 2 weeks. Why so many reports? why a decrease to that degree? All within a two week span how is this even possible? On top of that Chase was suppose to take the money out which they didn't automatically, I had issues with the plan in the month of XXXX when they sent me emails saying they hadn't received funds but they really did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: GA

Complaint narrative:
XXXX claims of a missed payment through their payment plan process invalidly caused my credit score to go from a XXXX on XXXX. XXXX to a XXXX on XXXX XXXX an outrageous XXXX point decrease then several more reports after the initial first one over the next 2 weeks. Why so many reports? why a decrease to that degree? All within a two week span how is this even possible? On top of that XXXX was suppose to take the money out which they didn't automatically, I had issues with the plan in the month of XXXX when they sent me emails saying they hadn't received funds but they really did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
This company calls me speak out loud a social security number and asks if thats my social and asks if I live at an address they provide. They speak my social security number out loud every time? What happens when they call a wrong number and give away my social, my name, and my address?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I have had my XXXX XXXX XXXX  for 3 years fell upon hard times along with the maintenance of the car. I became severely upside down in the loan due to a few late payments and the fact the blue book value of the car in good condition is XXXX. My car is in less than good condition with a offer of XXXX to trade it in. I have attempted to leave the truck outside my garage for pick up however the plates are expired and tickets was being issued. i tried calling the repossession line the wait is so long i always hang up as Im always busy and on the go. I did not want to give up my truck however trying to make payment arrangements was always such a task as well, ive even had a representative ask if i could borrow the money from someone. This kind of practice of upside down loans and recovery should be illegal. this isnt a new loan and ive paid a good majority of it based on the value of the car. ive had to change my number because of the harassing phone calls and now emails. I am the single mom of XXXX XXXX working a regular job just trying to survive as we all are, id like to give this car back and have my loan adjusted or keep the car at a decent pay off rate either way the way they do business is alarming to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it

has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
( b ) Opt ou

t ( 1 ) In generalA 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
In accordance with the fair credit report, an act XXXX XXXX XXXX account # XXXX has violated my rights.

15 u.s.c 1681section 602 A. States i have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 It also stays a consumer reporting agency. Can not furnish an account without my written instructions.

I didnt give them 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 2024-04-04 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: IL

Complaint narrative:
In accordance with the fair credit report, an act XXXX XXXX XXXX account # XXXX has violated my rights.

15 u.s.c 1681section 602 A. States i have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 It also stays a consumer reporting agency. Can not furnish an account without my written instructions.

I didnt give them written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Motolease, LLC
State: FL

Complaint narrative:
So this was my BBB complaint a 1 month ago- So it's sad to have to come to the BBB to get a response from Motolease/Motorcycle group XXXX So I have account with them that is a LOAN and not a lease, let me add that I am currently 18 days past due on purpose as I will not be making this payment until my issue is fixed and my account manager doesn't even respond to my emails or reach out unless it's about being past due. I have documentation that I have reached out the XXXX as well as XXXX XXXX to get assistance in regarding to the Servicemembers Civil Relief Act AND MOST IMPORTANT is my motorcycle can't be refinanced with another company because they have it stated as a LEASE with the DMV as well as with other finance companies. I have forwarded all documentation via email only so I have proof. I have also submitted paperwork to have the title transferred due to my PCS coming up and the DMV is telling me it needs to be fixed to loan and not a lease. I did a previous loan many years ago with XXXX and had so many issues. When I decided to come back I was assured that " now it's loans they do, not leases '' " they have improved their customer service '' blah blah blah. All I want is my XXXX XXXX XXXX XXXX to be updated on my account as well as my account fixed to note what it is as it took 3 months just for my name change to be fixed. When I called about that they had no idea as to why it wasn't fixed but finally they did fix that one. My loan number is XXXX XXXX XXXX XXXX Maybe I can get there attention here because this is getting ridiculous to just get an update on items, exspecially since I'm constantly getting payment reminders by my account manager but no response when questions are asked afterwards. Also I'm currently XXXX and constantly tell them to contact me by email and my husband keeps telling me they are calling. It's like they don't even read their own notes on their customers. Im over it exspecially during XXXX. 

This will now be my continued complaint as XXXX has removed and reapplied my loan to my credit report XXXX separate times now. The first time they removed it and replaced it back with another lease dinging my credit report down by 20 points. Today they removed and replaced it again with now a XXXX balance as well as not marking it with a lease or loan status. This has caused my credit to go down 50 points now. I have communicated with the company to see how they will fix the problem as well as forcing me to pay the renewal fee of XXXX to the CA XXXX where I do not reside any longer due to the military. They have no response as well as won't compensate me for anything that has taken place. I have XXXX hard inquiries on my report for attempting to refinance but since it's marked as a lease this can not happen. I have all documentation if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One charged me a late fee of {$25.00} on my Capital One XXXX card when I paid it in full on the due date. They said it came in a few minutes late and they are keeping the late fee. I have been trying very hard to get this waived but no one at Capital One is willing to help. They told me someone would be in contact but I have heard nothing. 

I have always paid my bill in full every month and have been a customer for six years. Now Capital One is trying to charge me late fees when I paid my bill on time and in full. I am appalled by this and want to report this XXXX XXXX They are trying to take advantage of their customers by any means necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NJ

Complaint narrative:
Please understand I am the only person writing this with no help from a 3rd party.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. As per the regulations outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative that consumer reporting agencies, such as XXXX and XXXX and Transunion conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. 

As a consumer, I am entitled to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801, which underscores Congress 's stance on financial institutions ' obligation to safeguard customer privacy. Entities providing information to credit agencies, classified as financial institutions, fall under this directive. The Accounts in question are as followed XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to 15 USC 1681 section 604, a consumer reporting agency may furnish a consumer report only upon the written instructions of the concerned consumer. XXXX, XXXX and Transuion and any financial institution furnishing information to credit agencies lack my explicit consent or written authorization to do so. Therefore, any form of consent, whether verbal, non-verbal, or implied, is hereby revoked.

Furthermore, 15 USC 6802 mandates that a financial institution must inform consumers of their right to opt out of disclosing nonpublic personal information to third parties. However, I was never notified of this option by the furnisher of information to credit agencies.

Moreover, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse items of information in consumer reports without authorization. This account being reported without my consent violates this provision.

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to furnish inaccurate information to consumer reporting agencies, and XXXX  and XXXX and Transunion fail to maintain reasonable procedures as required by 15 U.S. Code 1681e.

Furthermore, according to 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, a right I am now exercising.

Therefore, I demand that XXXX XXXX and Transunion and any financial institution involved cease the reporting of my information immediately.

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