vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am being taken advantage of as a consumer by Experian. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.

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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUSSRQ Holdings, LLC
State: GA

Complaint narrative:
I have repeatedly requested written verification from Oliphant regarding this account. They have repeatedly failed to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Synovus Bank
State: PA

Complaint narrative:
I am writing to file a formal complaint against First Progress regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/year> I notified First Progress that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated XXXX parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with First Progress.

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that First Progress has continued to furnish my non public personal information to nonaffiliated 3rd parties and consumer reporting agencies without my consent.

The unauthorized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm.

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that First Progress complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like me.

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by First Progress. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation. 

see enclosed letter sent to the Creditor- First Progress

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB, ) I, XXXX XXXX, am writing to lodge a complaint regarding American Express Company 's request for my personal information and their compliance with the Dodd-Frank Act. 

In response to a letter from American Express dated XX/XX/2024, I have provided the requested personal information, including a copy of my Florida driver 's license and a recent bank statement. As a conscientious consumer, I understand the importance of providing accurate information for my protection and record-keeping purposes. 

Additionally, I am aware of the Consumer Financial Protection Bureau 's role in safeguarding consumers from unfair or deceptive trade practices. I believe that as a consumer who has submitted applications ( " Securities '' ) to American Express, I am entitled to credit for the value and consideration I have provided. 

I am eagerly awaiting the delivery of my requested American Express credit cards ( 1 ) Blue Cash Everyday ( 1 ) Platinum Card and expect American Express to comply with the Dodd-Frank Act to avoid any violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My account and information were hacked by several companies. Last year Back of America, my account was hacked, money was stolen and transferred out of my account and my information was changed. I called, my money was returned weeks later but obviously my information was stolen and damage done. 

With credit karma, same thing. My account was hacked and information changed and stolen. Nothing big was done. I just had to verify my identify to get access back to my own account. I did that. Damage done, information changed and stolen.

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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have repeatedly requested written verification regarding this matter and my requests have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This past summer, I went to XXXX on vacation. Our flight was supposed to leave on XX/XX/XXXX, but the flight got cancelled by the airline due to mechanical problems. The airline automatically rebooked us on another flight to XXXX the following day ( XX/XX/XXXX ). I already had made hotel reservations along with a car rental reservation and after I found out that we wouldn't be arriving in XXXX until the next day, I got to work shifting all of the reservations forward by XXXX day ( example, if original reservation was for XXXX, I had to shift it forward a day to the XXXX... etc ). I reserved several of the hotels through XXXX, and when I called XXXX on the phone to explain the situation, it was determined that the easiest way would have been to just book new reservations with the correct dates and have the original ones cancelled. For this reservation in particular, it was a hotel in XXXX. The original reservation was from XX/XX/2023 to XX/XX/2023 for {$390.00} and I made a new reservation with the correct dates which was from XX/XX/2023 to XX/XX/2023 for {$430.00} with the understanding that the {$390.00} would be refunded ( based on the conversation I had with XXXX over the phone. I've also attached email communications with XXXX where I sent proof of flight cancellation. I later found out a week or so later that XXXX refuses to refund the {$390.00}. I filed a dispute with my credit card ( XXXX  XXXX XXXX ) which was through Bank of America and the past few months have been nothing but stress and anxiety. First it got denied because they didn't have enough documentation when I never got an email asking for me to send specific documents and the communication was terrible. I made numerous phone calls and spent a lot of time being transferred from XXXX department to another. About XXXX weeks ago I sent in additional documents and today I got a letter how the claim was denied. It is ridiculous how I should be expected to pay for a hotel that I did not use and Bank of America cares more about the merchants than they do about their customers. Based on the conversation I had with XXXX on the phone, I had the understanding that if I made a new reservation with the correct dates, which I did and paid {$430.00}, the {$390.00} would be refunded, and it is not fair that through their deceptive business practices, I should be the one that has to suffer. The flight cancellation was made by the airline, NOT me and it was totally out of my control. Also, the way Bank of America handles the dispute process is horrible. Please help me get my money back

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 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.

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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am being taken advantage of as a consumer by Equifax. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
Heights Finance is a loan provider claiming they deposited a loan in my bank account. Although I applied for a loan of {XXXX} there was no deposit and now they're asking for {$XXXX which is not the original loan amount. They refuse to verify any deposits and have simply resulted to ignoring the request for proof. Finally, no funds were deposited to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I received notice about an alleged debt reporting on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practice Act ( FDCPA ) validation of the debt section, 15 usc 1692g, I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefore I demand VALIDATION and VERIFICATION of this alleged debt.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation, as it is my right to request information because the burden of proof is on you to prove to me that I own this alleged obligation. You have 14 days pursuant to UCC Article 9-210 to provide this information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You must respond within 15 days as mandated by law, or face potential fines up to {$1000.00} for non-compliance. 
Please send me the detailed procedures taken when obtaining the investigation results for : 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 2024-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2023 I visited XXXX, XXXX from XXXX XXXX, CA. I made a charge at a local butcher shop using my Capital One checking account debit card. In XX/XX/2023, when I was back in XXXX XXXX I saw another charge for the same Capital One account. I disputed the charge within 5 days. 

Capital One now tells me that the card was verified with a chip. This is impossible since I and the card were thousands of miles away at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm asking the credit bureau to fix the negative status on these accounts. My husband handled the bills, but since his passing in XXXX, I wasn't aware of the steps. Despite talking to the banks and them agreeing to update the status, the credit bureau verified the information. I've tried multiple times to dispute and get proof, but there's been no response, violating the FCRA. Please delete the late dates as they're unverifiable and causing distress after my husband 's death in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
XX/XX/2018 Amount {$4000.00} i dispute it item

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CarMax, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
The below statement shows the interest is higher than expected as it is higher than what is going to principle. At this rate I will never get this loan paid. This was for XXXX XXXX  that went onto my house and the company filed bankruptcy then my loan was purchased by the loan agency below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
See the attached document ( s ) /letter.

16 CFR 313. Privacy of Consumer Financial Information ; 16 CFR 313.1 Purpose and Scope ; 16 CFR 313.7 Forms of Opt-Out Notice to Consumers ; Opt-out methods; 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

16 CFR 433.3 Exemption of sellers taking or receiving open-end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).

16 CFR 444.2 Unfair credit practices.

Privacy Act of 1974.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm asking the credit bureau to fix the negative status on these accounts. My husband handled the bills, but since his passing in 2019, I wasn't aware of the steps. Despite talking to the banks and them agreeing to update the status, the credit bureau verified the information. I've tried multiple times to dispute and get proof, but there's been no response, violating the FCRA. Please delete the late dates as they're unverifiable and causing distress after my husband 's death in 2019.

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