vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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 received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 U.S.C 1681. 

Account name : progressive insurance Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account date : XX/XX/XXXX Account address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account dateXXXX Account name : XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX. XXXX Account # : XXXX 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 an 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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 U.S.C 1681. 

Account name : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account date : XX/XX/XXXX Account name : XXXX. XXXX/XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX. XXXX Account # : XXXX 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 an 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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Citibank account in XXXX XXXX I enrolled into direct deposit and the day my XXXX direct deposit hit in XX/XX/2023 my account was randomly closed due to fraud I called and they said a letter was sent, never received a letter to resolve issue. Now my money is stuck in the wind

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, has the incorrect address for my current address and I have tried multiple times unsuccessfully to correct it and they still have the wrong address : Correct address is XXXX XXXX XXXX XXXX  XXXX, FL XXXX. 

Transunion has not deleted the XXXX XXXX account # XXXX that was opened on XX/XX/XXXX and date of last activity in this account was XX/XX/XXXX which they also have incorrect, Transunion has reported the date of last activity as of XX/XX/XXXX which is incorrect as this account was charged off years ago. This account is XXXX XXXX XXXX and I need them to delete this account, I have sent multiple letters last one was just sent prior to this complaint as well as I had sent one on XX/XX/XXXX. Under the Fair Credit Reporting Act, debts can only appear on your credit report for 7years. After that period is up, the debt can no longer be reported.

I have tried to deal with Transunion directly but I have not gotten any results. If they do not delete this from my credit report after this investigation I will report this to the FTC. As they are violating my rights.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Please accept this letter as notice that you are in violation of negligence and false reporting by selling the contract without taking you to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. According to the FCRA Section 1681e of the FCRA requires that CRAs follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and provide to third parties.

Failing to follow procedures has put me in situations where I have lost credit opportunities, higher interest rates, denial of credit, and non-economic damages such as emotional distress. Ruining my reputation and character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please accept this letter as notice that you are in violation of negligence and false reporting by selling the contract without taking you to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. According to the FCRA Section 1681e of the FCRA requires that CRAs follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and provide to third parties.

Failing to follow procedures has put me in situations where I have lost credit opportunities, higher interest rates, denial of credit, and non-economic damages such as emotional distress. Ruining my reputation and character.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CADENCE BANK
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received an application from my bank, USBANK, I have been a customer for almost 3 years. My credit is good, and I do have a fraud alert on my credit reports. At first, they denied me and they pulled my credit. Then they sent me a text, asking for a home address. I faxed them my Drivers License and my Lease agreement, WHICH IS VALUABLE information. They never got my fax. I waited and never heard from them, and then called back because they finally sent me a letter saying they needed to Authenticate me. My reference number is : XXXX. On XX/XX/XXXX, I resubmitted my information via a digital fax, and got a receipt that it was delivered. Then I never heard back from US BANK. Today, I called them to find out what happened. They closed my application which was 45 days. They never even alerted me saying that I was trying to get through. When I spoke to XXXX, the supervisor at their North Dakota branch, I said I wanted to locate my data. She said they never received anything. I said, I wanted her to go to the fax and find my fax and show me they will destroy my documentation, because she refused to give me an extension and said they would need me to re-apply AGAIN. She said she couldn't because my application expired. I said, okay, so where is my information which is very private. I said I wanted her to go find it and that I could email her the confirmation. She couldn't be bothered. She said too bad, they do not have a way to find it. She didn't even try. And so now my drivers license and address arrived at the confirmed Fax number that belongs to USBANK. How is this acceptable, that they have no accountability for losing my private information. I did ask them about how I can do this more securely and they offered no option. I'm filing a complaint because they have my materials and I want accountability. It is not acceptable to just have lost my paperwork when I know it was confirmed. I will submit the receipt. I want the bank to find my paperwork. And I want them to provide me a credit card without repelling my credit this is their mistake not mine.

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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Date Reported : XX/XX/2023 Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Original Amount Owed {$75.00} Amount {$75.00} Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX MA XXXX XXXX I never signed a contract with neither of these companies. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company refuses to obey consumer protection laws, which is negatively harming my nonpublic personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
Account name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX   Account # XXXX, has violated my rights. 

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

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am composing this statement on my behalf. Recently I discovered fraudulent accounts on my credit reports. According to fair credit reporting these accounts have violated my rights. According to section 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my reading instructions. 15 U S C-section 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, not later than four business days after the date of receipt. It has been 30 days and the company has not done so after receiving notice that I am a victim of identity theft. I've requested the deletion of these items as soon as possible.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am composing this statement on my behalf. Recently I discovered fraudulent accounts on my credit reports. According to fair credit reporting these accounts have violated my rights. According to section 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my reading instructions. 15 U S C-section 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, not later than four business days after the date of receipt. It has been 30 days and the company has not done so after receiving notice that I am a victim of identity theft. I've requested the deletion of these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
First I received a email from XXXX so I login and see an inquiry from unknown company called Zions Debt Holdings LL so I immediately contacted XXXX you asked them about this and I asked for this to be removed from my credit report because I have any knowledge of these people with in few they Zions Debt Holdings LL sent me a text message violation of my right on as a consumer to In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MD

Complaint narrative:
I've tried several times to have Discover prove that this debt is mine which is required by the FCRA. Discover has yet to provide proof.

Company response to consumer: Closed with non-monetary relief