vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: 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.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested written confirmation that the subject collections be removed, as they are direct violations of the Fair Credit Reporting Act, in that the alleged collections did NOT arise from any credit transaction, and should not be reported on any credit report. The bureaus failed to comply, and the misrepresenting collections remain on these credit reports. 
Further evidence of the collections not arising from any credit transaction includes the following : - No reported high balance.

- No reported Credit Limit.

- No contract was signed or otherwise agreed to.

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 2024-03-16 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. My information is being furnished to third parties who are non affiliates of XXXX XXXX XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I am now aware that XXXX XXXX XXXX XXXX XXXX are furnishing my information to credit agencies. XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I did not consent, agree, or give instructions to XXXX XXXX XXXX to give my information to credit agencies the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information nor my written consent. Any and all authorization to Transunion and XXXX, XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX XXXX XXXX XXXX XXXX, never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of XXXX XXXX XXXX XXXX XXXX XXXX  reporting services.

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 2024-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
I never received my tax refund check from XXXX. After spending months going through the IRS and US Treasury Dept, I was mailed form FS 1133 from the Treasury Dept showing my check was cashed. Someone hand wrote, in print, my and my wifes name and the words for deposit to chime only. The date, time, and confirmation of the deposit are shown on the check. Did someone open an account in my name? If so, what information did they use. Did they ask for any ID? Or did they deposit my check into an account that doesnt even have my name on it? Once again, did anyone actually look over the check information? XXXX was not able to provide me with any information relating to this deposit or if there was an account opened in my name because the information I gave them ( my actual information ) doesnt match what they have on file. This is a sham bank. Ive filed a report with the FTC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: FL

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 2024-03-16 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:
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 2024-03-16 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: PA

Complaint narrative:
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ) .However achieve personal loan is reporting there account after I disputed it without to see you notating the fact that I disputed it causing me injuries.

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 2024-03-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX my personal checking account was compromised. There are about 11 charges that occurred on this day that I did not make. I filed a dispute against these transactions with Wells Fargo, and they responded that they are denying the claim. Informed them that my personal debit card remained in my possession the entire time, and i never misplaced it. Wells Fargo told me that during their investigation they found no evidence of fraud and that the card was physically present at each purchase and a Pin Number was entered. Amongst these charges are charges from Restaurants in New York and Florida & California. I live in Texas, It would be impossible for me to make purchases in four different states all in the same day. I really thought that wells fargo would see that this is an obvious case of fraud, and return my money, but they have refused and I really need some help. here are each of the disputed transactions 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 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 explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XXXX to XXXX XXXX XXXX of {$1100.00} XX/XX/2024 wad declined. Three times same day. Within minutes received email from Marcus to verify my charge and my response was sent back to the question button they directly emailed to me and I selected " yes ''. I also called shortly after that email and was disconnected multiple times after my voice was heard. 
I then began a chat with a Marcus.com representative. I was told to change my " password '' on my account and that would clear up issue. I proceeded to do that and changed it. And, I heard nothing back from them. The following day I tried to use my card at a XXXX gas station in my area and was " restricted '' before even pumping my gas. I found this odd as I just slipped card into pump credit card slot. ( I then used my other XXXX  credit card to pay for my gas of {$28.00} no problem paid ) A few hours later I went on my personal computer and went to Marcus.com. I saw a " declined -Account Status '' XXXX XXXX Auto/Commuting {$170.00}. Interesting. My gas was paid from XXXX card and was {$28.00}. 
I chatted again that following evening and was told excuse after excuse. Was also told I need to use their Mobile app. I have proof of chats that if I change password on Marcus it would clear issue. Now, I am told I am restricted. I have payed my bills on time for entirety on this account and never incur any late fees & I believe there's more going on here. Discrimination maybe? I have a credit line up to {$19000.00}. I can not use this card as they have me locked on specific purchases. Can not depend on Marcus. Customer service is horrible. As they know I've used card less since last year they put me through same scenario. My XXXX is dependable and customer service is fantastic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: HW Holding, Inc
State: TX

Complaint narrative:
I own a home that I purchased in XXXX and have lived there since purchase. When trying to refinance said home in XXXX, it was brought to my attention that there was an apartment and eviction on my credit from XXXX. I have never had an apartment. I filed police report and identity theft report with federal trade. Alerted all bureaus. It remains on my credit report with out any response. Its extremely damaging and I need help getting the information removed. Its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a notarized affidavit of account validation to Experian via certified mail. XXXX XXXX, 2024 Experian returned with competed investigation XX/XX/2024 via email. 
Today I just submitted a notarized affidavit for method of verification via certified mail XX/XX/2024 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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: LA

Complaint narrative:
Company name Unifund Lic account number XXXX I dont know what this is for they have called me 100 times and 2 months 48 voice mails

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My son, XXXX XXXX, had an ACH deposit into my account on XX/XX/XXXX for {$40000.00}. The issue was that the deposit had my son 's name and not my own, so after a few days SoFi had frozen the account due to a violation in account terms ( no 3rd party deposits ). Several calls were made to SoFi 's fraud department to explain the problem and to seek a resolution, but I was told that the issue was still " under investigation '' and that a representative would call back shortly for more details.

I had not received any phone calls from SoFi during the next two months ( XXXX, XXXX, XXXX ), so we- my son and I - called SoFi back to provide further contact for my son and his employer should they need to verify employment, check deposit numbers, etc. The SoFi staff reiterated that the case was still under investigation and that a SoFi team member would contact us with updates shortly. 

In XXXX, having not received any calls from SoFi, my son called SoFi asking for their legal department information so we could see what steps we would need to take should we require legal counsel to get involved or file a formal complaint. My son was informed that there was no legal department, and no supervisor for the fraud department to contact to review the case. He was told to call the security team with the business department manager from his place of employment, and that should be sufficient to get details to the investigation that they would need. Again, he was told that someone from the security team would call me with updates shortly. They never did. 

In XXXX, having still not received any calls from SoFi, we ( my son, the business department manager of his company, and myself ) called the security team to request an update and provide any further information they may need - we were not asked to do this or prompted to, we had done so on our own initiative. The SoFi agent didn't ask any questions or give us any updates, but we provided further details such as the ACH transaction ID, when the deposit was made, and the contact information for the business and the business office manager. This was on XX/XX/XXXX around XXXX. 

It is now XX/XX/XXXX, we have yet to receive any calls or requests for more information from SoFi, and we are considering legal action at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/24 I attempted to make a purchase using the XXXX XXXX feature for SoFi bank, moments after it got declined they also decided to freeze my account. I immediately called SoFi and they told me they dont know when it will get unfrozen and to just monitor my account. I have called many times during this month trying to fix this problem and all they respond is with just keep monitoring your account. I haven not been able to receive direct deposits or access any of my money in the Savings or Checking account. SoFi customer service is truly disappointing and i just want this fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: DISCOVER BANK
State: CA

Complaint narrative:
i recently reviewed my credit report and noticed a recent 1 late payment reporting on my account for XXXX XXXX. I as never late for. 

I have been doing research on consumer laws and FCRA law 1681 states that the consumer reporting agencies have a duty to report 100 % accuracy. I have never been late. 

please investigate & provide proof with statements showing this late payment was late. If proof can not be provided I demand this late late be UPDATED TO PAID AND ON TIME which is right since I wasn't late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Experian Information Solutions Inc.
State: FL

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 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT

Company response to consumer: Closed with explanation