vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: Kikoff Inc.
State: TX

Complaint narrative:
According to section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies like XXXX and XXXX to carry out their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information.

The term " Furnisher of information to credit agencies '' refers to a financial institution, as defined in the Act. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that consumer reporting agencies can only furnish a consumer report if they have written instructions from the consumer in question. In this case, neither the financial institution nor the consumer reporting agencies ( XXXX and XXXX ) have my consent or written instructions to furnish my information. 

Furthermore, section 6802 ( b ) ( c ) of the Act specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' failed to inform me about this right.

Additionally, section 1681C ( a ) ( 5 ) of 15 USC states that consumer reporting agencies are prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ). It is evident that the actions taken by XXXX, XXXX, and the " Furnisher of information to credit agencies '' go against these regulations. 

Therefore, I hereby revoke any and all consent given to XXXX, XXXX, and the " Furnisher of information to credit agencies, '' whether it was verbal, non-verbal, written, implied, or otherwise. It is essential that these entities respect my rights and adhere to the provisions outlined in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to file a formal complaint against TRANSWORLD SYSTEMS INC, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
TRANSWORLD SYSTEMS INC, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone number, XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that TRANSWORLD SYSTEMS INC has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against TRANSWORLD SYSTEMS INC to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold TRANSWORLD SYSTEMS INC accountable for their unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: TN

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. in addition, the open dates, date of last activities and much more are also incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 


Equifax Account name XXXX  XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX  - XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This debt collector Credit Collection Service and there client XXXX XXXX have illegally collected a debt claiming to be charging for insurance allegedly rendered to me. When this collection popped up on my report I was aggravated as I take great care of my credit report so I called them and paid it on the spot. 

I reviewed my records and realized they are charging me for insurance for a property I had already procured insurance through a different insurance company. Therefore not only did I not owe them the money I paid them, the negative reporting on my credit reports is not fair, accurate, or legal. I have attempted to dispute this with the creditor and the credit bureau and they refuse to even respond to my request for written itemization of this debt, and even worse refuse to acknowledge my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$200.00} Amex prepaid gift card. I attempted to buy a gift card at XXXX, XXXX, and other large online merchants. It was rejected at all. I was also unable to add it to my XXXX XXXX wallet. 

I called customer service, and they said there weren't any issues. I called 2x more and there was no help. They agreed to send me a new card for {$200.00}. 

They sent another card for {$190.00} and it has all the same issues. It's unusable and it feels like a tactic just to hold onto the cash with no help on how to use it at the nation 's largest retailers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 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: MI

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 1

5 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 2024-03-18 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: MI

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 2024-03-18 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: MI

Complaint narrative:
I have reviewed my credit profile and identified items that I have disputed. I have notified the companies that I was opting out and notified them that my privacy has been violated. The accounts below I am demanding be deleted because I have notified the companies that I am opting out of any of the below accounts being reported also I didn't give any of the companies written permission to furnish any of the below data. 
XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX My privacy has been violated. Accounts being report has violated the Privacy Act of 1974. I also have sent each company a notice to opt out. The federal law 15 USC 6802 ( b ) Opt out In General A financial instituition may not disclose non public personal information to a nonaffilated third party unless- I never gave any consent for any of my personal information to be shared.

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 2024-03-18 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: MI

Complaint narrative:
I have reviewed my credit profile and identified items that I have disputed. I have notified the companies that I was opting out and notified them that my privacy has been violated. The accounts below I am demanding be deleted because I have notified the companies that I am opting out of any of the below accounts being reported also I didn't give any of the companies written permission to furnish any of the below data. 
XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX My privacy has been violated. Accounts being report has violated the Privacy Act of 1974. I also have sent each company a notice to opt out. The federal law 15 USC 6802 ( b ) Opt out In General A financial instituition may not disclose non public personal information to a nonaffilated third party unless- I never gave any consent for any of my personal information to be shared.

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 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX XXXX in the amount of {$100.00}. **, and I must have hit submit twice because I was charged {$210.00} but the transaction failed to go through due to an address problem. I called Chime Bank Customer Service and was notified there was nothing they could do until the transaction processes. Several days later, I log in to my Chine account and the transaction is not longer listed in my transaction history and my {$210.00} has mysteriously disappeared. I call Chime Customer Service again and after talking to a representative for several minutes I'm told the transaction never happened despite me sending them the screenshot from the vendor showing the failed transaction, a screenshot from the Chine app showing {$210.00} being charged to my account. I ask for a supervisor and the supervisor tells me the same thing despite the evidence I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased digital coins using my checking account. The platform that I used to buy those coins shut down and I did not receive my coins, I reached out to chase to alert them that I was charged but never received the coins because I couldnt access the platform anymore. This is what I think caused my account with chase to close since its the only out of the ordinary thing Ive ever did in my account : File my only claim in my life ; although they still have not given me the actual reason. On XX/XX/2024 is when they closed my checking account. My payroll check reflected on the account on XX/XX/2024 for the amount of $ XXXX. I called them on whats going on with my account and what will happen to MY money in that account. I was initially told to go to a brach and they can issue me a check. I went but when I got there, they said I need to call the customer service again because they can not issue me anything. I called and called practically begging for them to release my own money, even partially as I live paycheck to paycheck and need to pay my bills and buy milk and groceries for my XXXX XXXX XXXX. I was transferred to multiple people with no answer and at one point, one of the representative even said ; you need answers for what? how to feed your XXXX? when all I was asking was give me answers on what happened to the account and when I will receive my own money. The branch manager mentioned that the hold may be due to the claims I made which were a few XXXX dollars but I had $ XXXX there. They are holding my money, its not like theyre paying interest on it, and they get to hold it for as long as they want and an ordinary person like me cant do anything about it. I just have to accept whatever they decide? They lack sympathy and very abusive with their power. They held my OWN money XXXX for reasons they cant even provide, they just keep on saying they will cut off ties due to decision of upper management, thats it. This definitely falls under unfair, abusive standards. JP Morgan Chase did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX, XXXX XXXX I sent XXXX XXXX XXXX a letter requesting a verification for an account that was placed on my consumer report. I received a letter in return for account number XXXX. A XXXX XXXX XXXX from XXXX XXXX XXXX . I wrecked this vehicle and the account was paid off in full but there were two late payments reported to my consumer report. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX, XXXX XXXX I sent XXXX XXXX XXXX a letter requesting a verification for an account that was placed on my consumer report. I received a letter in return for account number XXXX. A XXXX XXXXXXXX XXXX  from XXXX XXXX XXXX . I wrecked this vehicle and the account was paid off in full but there were two late payments reported to my consumer report. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!

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 2024-03-18 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: LendingUSA
State: CO

Complaint narrative:
I got signed up with this company through a tax consolidation company they provided no services for me and actually cost me more money and now they called the tax company they called me told me they were out of business and that I would be refunded. Now they refuse to give me my money back I received no services they cancelled the loan on me and now it's in my credit and no refund please 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 2024-03-18 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I requested a modification as a result of covid and was given a maturity date of XXXX. I purchased my home in XXXX. I filed bankruptcy in XXXX and my lawyer failed to reaffirm my home through my lender. Years later, XXXX XXXX was found guilty of Mortgage Fraud and my loan was sold to Select Portfolio Servicing ; a collection company. Once Covid hit, I lost my job and fell behind on payments. They tried to offer me a payment plan that affords the company to make {$18000.00} in additional interest with an increased monthly payment of {$1400.00} that I could not afford. Upon complaining and threatening to see them in court if they file foreclose, they offered me the loan modification that kept my same interest rate of XXXX yet extended my loan by 21 years. That's absurd. I told them their practices had to be illegal and that I would file a complaint with the government to seek justice. Please look into my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TX

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