vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: PA

Complaint narrative:
Complaint Details : Summary : I am filing this complaint to report violations of the Gramm-Leach-Bliley Act ( GLBA ) by XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with Equifax without my consent and in violation of privacy provisions under the GLBA. Equifax also violated consumer protection laws by accepting and using this unauthorized information. 
Details : 1. Nature of Information Shared : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under 15 U.S.C. 6809, which includes " personally identifiable financial information. '' 2. Unauthorized Disclosure : XXXX XXXXXXXX XXXX XXXX reported this payment history to Equifax without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The Gramm-Leach-Bliley Act requires financial institutions to protect the confidentiality and security of XXXX and to provide consumers with privacy notices explaining how their information is collected, used, and shared. XXXX XXXX XXXX failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the Act. Equifax, by accepting and using this information, also failed to ensure compliance with privacy standards. 
Specific Consumer Laws Violated : 1. 15 U.S.C. 6801 ( GLBA ) : Protecting the confidentiality of XXXX. 
2. 15 U.S.C. 6802 ( GLBA ) : Providing privacy notice and opt-out options.

3. 15 U.S.C. 6803 ( GLBA ) : Initial and annual privacy notices.

4. 15 U.S.C. 1681b ( FCRA ) : Permissible purposes for consumer reports. 
5. 12 U.S.C. 5531 ( Consumer Financial Protection Act of 2010 ) : Prohibiting unfair practices.

6. 15 U.S.C. 45 ( Federal Trade Commission Act ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both XXXX XXXX XXXX and Equifax, the total fines for each entity would be : XXXXviolations XXXX XXXXper violation= {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: PA

Complaint narrative:
Complaint Details : Summary : I am filing this complaint to report violations of the XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with XXXX without my consent and in violation of privacy provisions under the XXXX. XXXX also violated consumer protection laws by accepting and using this unauthorized information. 
Details : XXXX. XXXX of XXXX XXXX : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under XXXX XXXX. XXXX, which includes " personally identifiable financial information. '' XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX reported this payment history to XXXX without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The XXXX XXXX requires financial institutions to protect the confidentiality and security of XXXX and to provide XXXX with privacy notices explaining how their information is collected, used, and shared. XXXX XXXX XXXX failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the XXXX. XXXX, by accepting and using this information, also failed to ensure compliance with privacy standards. 
XXXX XXXX Laws Violated : XXXX. XXXX XXXX. XXXX ( GLBA ) : Protecting the confidentiality of XXXX. 
XXXX. XXXX XXXX. XXXX ( GLBA ) : Providing privacy notice and opt-out options. 
XXXX. XXXX XXXX. XXXX ( GLBA ) : Initial and annual privacy notices. 
XXXX. XXXX XXXX. XXXX ( FCRA ) : Permissible purposes for consumer reports. 
XXXX. XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) : Prohibiting unfair practices. 
XXXX. XXXX XXXX. XXXX ( Federal Trade Commission XXXX ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both XXXX XXXX XXXX and XXXX, the total fines for each entity would be : XXXX $ XXXX XXXX {$6000.00}

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 2024-06-22 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: CA

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-22 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. 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-22 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: GA

Complaint narrative:
XXXX XXXX XXXX of Late Payment Entries Under FCRA Sections XXXX and XXXX I am writing for the XXXX time to dispute the accuracy of late payment information listed on my credit report. I believe these entries have been reported inaccurately and request a thorough investigation into these matters as stipulated under the Fair Credit Reporting Act, specifically under Sections XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX Date of alleged late payments XX/XX/XXXX XX/XX/XXXX The payments were made on time. There was no instance of late payment as reported. 

Under FCRA Section XXXX, I am requesting a re-investigation of the aforementioned entries. Section XXXX requires furnishers of information, like XXXX XXXX XXXX XXXX to provide accurate and verified data to consumer reporting agencies. 

I kindly request that these late payment entries be corrected or removed if found inaccurate. Please complete your investigation within the statutory XXXX period and inform me in writing of the outcome. 

Thank you for your attention to this important matter. I look forward to your prompt response and the resolution of my dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: TrueAccord Corp.
State: OR

Complaint narrative:
Something in my name was purchased from a company called XXXX XXXX in the amount of XXXX  XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called True Accord which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly XXXX credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. XXXX is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and XXXX is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!

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 2024-06-22 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: Affirm Holdings, Inc
State: OR

Complaint narrative:
Something in my name was purchased from a company called XXXX XXXX in the amount of XXXX XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called XXXX XXXX which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly XXXX credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. XXXX is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and XXXX is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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 2024-06-22 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: IL

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after 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 explanation
Consumer complaint received 2024-06-22 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 2024-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I did a new deposit on my saving account ( Citi Bank ) XX/XX/XXXX for XXXX, I tried to do a new deposit for same quantity XXXX all from my checking account logged previously ( Checking account from XXXX  XXXX XXXX ), I noticed founds from last deposite return on checking account XX/XX/XXXX, I tried to enter to Citi app where appears blocked my account, calling to Citi they affirm account was blocked XX/XX/XXXX, weird because I entered and tried to do deposit on XX/XX/XXXX, they said until a physical letter arrive to my home ( 5-10business days ) they can not do anything even mention reason to block my account ; checking the amount on the account ( by phone ) gives me the quantity available before XX/XX/XXXX, I have waiting for 16 business days with 5 calls during this period trying to get a new letter or more information, I offered go directly to bank but they said you can not do anything, you need to wait, they do not care about my money or the service, they are not offering a solution. I need help, please.

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 2024-06-22 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: 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 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 2024-06-22 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 explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had my Wells Fargo bank account compromised and XXXX took from the account through a XXXX transaction falsely added by the intruder and who also used my mothers name to mask the fraudulent information used to receive the funds. I contacted Wells Fargo and followed up with them roughly a week later. They told me that transaction was done in good faith and that the claim I established with Wells Fargo had been closed with no way of reopening. I filed a complaint through Wells Fargo and listed several details to prove that what was done in my bank account was not done by me. They responded that the information provided would not help the case further as the case had been closed by the fraud investigation department of Wells Fargo and essentially told me that I was out of luck. I done almost all of the preventative measures in order to secure the account but it still got infiltrated. The infiltrator also added a phone number to my account that has been declared as malicious by another banking institution. I know this because the same scenario almost happened two months ago that the same individual tried to get into my account but Wells Fargo intercepted the transactions and contacted me to create a new account number, debit card number, checks, username, and password. Wells Fargo knew this phone number had been linked with fraud back then and helped me prevent any actions against my account. Fast forward to now and that same fraudulent phone number and individual got into my bank account and did financial damage to me and Wells Fargo never contacted me about any of the multitudes of changes that person done to my account within minutes of getting into it. And further more, told me that I could do nothing about it because the transaction was, in apparent, good faith

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 2024-06-22 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: MS

Complaint narrative:
Someone stole my identity and got loans in my name. This has been going on for ar least 3 years. I have a pretty good idea of who. XXXX XXXX, XXXX XXXX and a few more ppl. I even think they got our daughter involve which XXXX is my child father. XXXX XXXX I have never got a loan for only my car. LNDING FUND I know nothing about XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX, & Equifax continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, Experian, & XXXX continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX  they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.

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