vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

****I DEMAND THE PROCESS AND PROOF OF YOUR INVESTIGATION****

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 2023-12-24 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: GA

Complaint narrative:
XXXX XXXX XXXXAccount XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

****I DEMAND THE PROCESS AND PROOF OF YOUR INVESTIGATION****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: GA

Complaint narrative:
I no longer live at the address listed on my credit report, and I no longer have the employer listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: GA

Complaint narrative:
I no longer live at the address listed on my credit report, and I no longer have the employer listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: FL

Complaint narrative:
A credit reporting agency MUST PROTECT my Nonpublic information by federal law, which Equifax obviously failed to do! According to 15 USC 6801 Protection of Nonpublic Personal Information ( a ) Privacy Obligation ( b ) financial institutions safeguards ( 1 ), ( 2 ), ( 3 ) was not followed by Equifax which VIOLATES MY CONSUMER RIGHTS! 15 USC 1681 Eb Maximum Accuracy of the consumer, Equifax has also not followed this which violated me as a consumer. I AM A VICTIM OF EQUIFAXS DATA BREACH and ALL of my information has been IMPACTED by Equifax! I have been disputing collections that do not belong to me, updates on information that doesnt make sense, inquiries that I have not authorized, wrong addresses, phone numbers, names, employment information even though proof has been sent numerous times via certified mail or its then removed and replaced and given a hard time to get corrected again, wrong account numbers, wrong amounts for the past few years and now I know the reason for it all because of you Equifax ! Equifax has been in violation of 15 USC1681n Civil Liability for Willful Noncompliance and violation of 15 USC 1681i-Procedure in case of disputed accuracy, description of reinvestigations they have have NEVER MAILED to how investigations were conducted or proof an investigation actually has taken place upon request on numerous occasions, if there is no proof then the account shall be deleted but Equifax chooses to leave in on my consumer report anyways because its how they make money, at my expense! I have been severely impacted by this situation and defamation of my character due to reporting FALSE INFORMATION. I have been denied for credit cards, houses, XXXXXXXX XXXX XXXX, due to Equifax. I refuse to put anymore time, money, energy into dispute letters that are not properly investigated, ignored or some type of stall tactic.We have passed the stage of investigations for 30-60 days, you Equifax had your chance to make this right, this is my last attempt for you to finally do the right thing ALL 3 collection accounts, charge off XXXX XXXX XXXX XXXX and XXXX that shouldnt even be reporting that have been updating through the years due to this breach, amounts I do not recognize, account numbers I do not recognize, XXXX charge off, which I have no clue who that company is, which Ive disputed isnt mine numerous times, XXXX its just too much to list as I refuse to spend anymore of my time when Ive disputed everything except my XXXX XXXX which are the only thing that seems accurate ( that Ive noticed so far )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: PNC Bank N.A.
State: VA

Complaint narrative:
I had an account with PNC. Back in XXXX XX/XX/XXXX PNC charged off {$340.00}. Stating they had closed my account. Making my account XXXX. 

On XX/XX/XXXX they reopened my account to reverse provisional credits that were issued in XXXX. Then making my account negative {$760.00}. Then then charged off the {$760.00} on XX/XX/XXXX making my account XXXX balance. Who has then stated and I have documentation the account is CLOSED. 

They sold the debt to a third party who has been contacting me saying I owe them over {$1000.00}. I also have the company I disputed with that I originally received the provisional credits for saying I owe them the money for the credits which I never received and were reversed from PNC. 

Fast forward to XX/XX/XXXX. I transferred a XXXX XXXX deposit to my bank which at the time was changed. I believed it was going to my debit card as all my other XXXX XXXX deposits do. It was accidentally sent to PNC. Keep in mind this account has been closed since XXXX and I still have the debt collectors whom PNC sold the debt to still contacting me. I notified PNC who at first said they would send it back. After a week goes by I call them back and they stated I owed them money and they are keeping it. The account is closed. No deposits should be going through. I asked for updating documents stating they received this amount and reflecting from the new debt collector, I received nothing. I told them they sold the debt that it is my money and needs to be returned, I received nothing. I only received a copy of statements reflecting a XXXX balance and charged off made back in XXXX. I contacted XXXX  about this. Heard from PNC in an email and by phone. I asked that all correspondence be put in writing to me as I dont want anything done over the phone. I want it all documented. I asked for my money back Im told theyre trying to figure out a way to put it in an email because they continuously tried to call me to explain to me I guess the situation, so its weird. They wont send me an email what they want to tell me on the phone, Im unable to even log into this account because its close XXXX XXXX will not do anything about it and theyre keeping my XXXX dollars. What they are doing is illegal its not right if you close my account and you sold the debt, nothing shouldve gone in that account. My taxes didnt even go in that account. The account is closed. I tried to withdraw the money from the PNC account to my new bank account. It said it was closed, somebody needs to help me because this is a scam and its not right. I now have two collection agencies contacting me for the same thing someones not communicating with somebody and theyre stealing money please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have sent numerous certified letters requesting debt verification and validation. This is not my account. I called Transworld and they reported that last transaction was in 2012. I requested a copy of signatures on receipts. I have received threats from agents of transworld Systems Inc that I had a warrant for my arrest if I dont pay them. I receive calls from XXXX to XXXX XXXX .. Im currently seeing a XXXX due to transworld Systems harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Out of the blue Synchrony Bank decreased my credit limit from {$2400.00} down to {$1600.00}, which is ridiculous and how can they do this, I pay over the minimum payment every month. Never had a problem until just this year 2023. I do not agree with this decision, I do not know where they are getting there information, but I have XXXX XXXX on my phone and my credit is checked daily so I know where I stand every day, for Synchrony to do this is not right and I want the credit limit returned to {$2400.00} like it was it was at {$2400.00} for about 2 years and suddenly they want to decrease for reasons that are preposterous! This company has not been easy to deal with since I have had them, but I want to keep the credit card because it is a Sam 's Club Elite Mastercard and can be used anywhere it is just synchrony banks reasons for decreasing the credit limit. None of my bills are late, there no derogatory or delinquent accounts that show up in XXXX XXXX which is updated daily nor is there any delinquent or derogatory accounts on XXXX, which I check regularly as well and my own bank monitors my credit and no delinquent or derogatory accounts through my bank so I do not know where Synchrony is getting their information, nor do I care because it is not accurate as I said my credit is checked regularly and nothing is bad on my credit my score is a XXXX for XXXX and XXXX for XXXX and XXXX for XXXX, which I just checked today, XXXX XXXX, 2023. I want this decision to decrease my credit limit down reversed immediately, I have never paid the bill to Synchrony Bank late and it is always above the minimum payment as it is with my other credit cards, none of them are late, they are all in good standing.

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 2023-12-24 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: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement. 

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

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 2023-12-24 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: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as Equifax, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, XXXX, Experian, XXXX, XXXX XXXX XXXX  XXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
un-authorized inquiries 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I placed a Security Freeze on my XXXX XXXXSagestream Consumer Report back on XX/XX/XXXX. If there is a XXXX XXXX placed on my consumer report, then XXXX XXXX does not have the authorization to share my consumer report or any information on my report with third parties. On Tuesday, XX/XX/XXXX, I received a credit denial letter from XXXX stating that they obtained information from one or more consumer reporting agencies as part of their consideration of my application. The notification listed XXXX XXXX XXXX XXXX, XXXX and SageStream , LLC as their sources of reporting agencies. I have attached two documents : Proof that my XXXX XXXX Consumer Report has an ACTIVE SECURITY FREEZE since XX/XX/XXXX and Proof that XXXX XXXX/SageStream were listed as sources of consumer reporting agencies that provided my report under an ACTIVE SECURITY FREEZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
please delete unauthorized inquiries 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