vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. XXXX XXXX XXXX disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely XXXX and TRANSUNION This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX actions. 4. **Exclusion of Transaction and Experience Information : ** XXXX XXXX XXXX included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by XXXX XXXX XXXX has caused significant financial and emotional distress, disrupting my life. Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.

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 2024-01-17 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: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. XXXX XXXX XXXX disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely EXPERIAN and XXXX This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX actions. 4. **Exclusion of Transaction and Experience Information : ** XXXX XXXX XXXX included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by XXXX XXXX XXXX has caused significant financial and emotional distress, disrupting my life. Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.

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 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/24 about XXXX I woke up to two texts that were sent to me about XXXX and XXXX XXXX  saying I added two different individuals to my XXXX account. I immediately check my account and saw five transactions to these two individuals. I called the bank to report these transactions as fraud. Asked them to stop the payments as they were still pending. Had them close that account and open a new account. Had them send me a new debit card and had them close the XXXX account. They told me their investigation would take 10 days. On XX/XX/24 the transactions were added to the new account and allowed to go through. On XX/XX/24 I still hadnt heard back from the bank. I called to get a status on their investigation and was told they denied my claim. Reason being it was done online so I had to have authorized the transactions. I asked to appeal the decision because I did not authorize the transactions and was told the decision was final and they couldnt do anything further. 
Transactions were as followed. 
Three XXXX  payments to XXXX {$200.00} for Tyres, {$200.00} for Fixing & {$130.00} engine  check. And two XXXX  transactions to XXXX {$200.00} for pancakes and {$200.00} for steakhouse. Five transactions totaling {$930.00}.

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 2024-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: IL

Complaint narrative:
" Absurd Customer Service Response Time '' I have been an Afterpay user for more than a year and it's more than fair to state that I have been responsible with my repayments as reflected in my spending limit. It might have not been perfect but it's quite stellar. On XX/XX/2023, I have reached out to Afterpay stating that my privacy has been compromised and I needed to cancel/freeze and shall be issued with new bank cards for at least 7 to 10 business days, thus, asking them to move my payment dues.. Unexpectedly, no one was responding after 24 hours, after 2 days, after 4 days and even if I e mailed them separately, nobody was there to attend my concern. There is not even a phone hotline for faster response which is absolutely ridiculous. My dues became late and I started piling more and more messages to them, and to no avail. I even used one card of mine even if i was advised to never use any of them until all has been fixed, just because I was too paranoid to even have a few days late in payment. Until a week after, someone responded, screened me and responded back again after a day and even though I have already mentioned and reiterated the important concerns I have, agent XXXX seemed to be more concerned of their policy than catering a need to a customer who has been waiting for more than a week. The agent stated to the effect of, " they could not do anything about the past due arrangements or to move payments because basically, it's already in the past and they just responded ''. Which to me is horrifying. I'm not certain if XXXX has been trained or she's the only customer service agent under Afterpay 's wing. It's also noteworthy that this complaint is not new at all, I have read numerous concerns all over the internet and filings submitted to FTC as well. It is indeed my responsibility to take care of my dues and I am not even demanding to cancel them or write them off, what I was asking is for someone to consider the situation as it is also stipulated in your guidelines about experiencing cancelled cards. Nobody handled it and my spending limit has now reached to XXXX. XXXX did not even move any payments for tomorrow since my request covered up to 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: VA

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I would like the inquires to be deleted because I did not authorize these companies to run my credit this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I paid {$1000.00} on XX/XX/XXXX. {$830.00} was put towards one debt for XXXX villa apartments and was paid in full. The remaining payment of {$160.00} was added towards a remaining balance for another debt at XXXX apartments. I then called back the same day and asked to just pay the remaining balance owed in full. The gentleman then told me the remaining total was {$140.00} with 10 % off original balance of {$510.00}. I didn't question it, as I requested to pay the remaining amount. He then told me that my account was closed and paid in full and that he would email me a receipt. I also received a confirmation number for payment. 

Today, XX/XX/XXXX I checked my credit report and saw I had a remaining balance for {$270.00} for Genesis Management. I then called Genesis and asked why I had a balance of {$270.00} when I was told my account was paid in full and closed. They then stated to tell me they made an error and needed to collect {$270.00}. I do not believe that is fair, I called to pay the full amount and was given the amount of {$140.00} as the remaining balance. They are refusing to close my account until I pay the {$270.00} and will not allow me to speak to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
My information was sold and bough illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attchaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
* XXXX XXXX XXXX XXXX Bank {$650.00} *Midland XXXX XXXX XXXX XXXX Bank {$640.00} XXXX Funding XXXX XXXX XXXX bank XXXX XXXX {$510.00} *Merchants Acceptance {$470.00} * Capital XXXX {$840.00} * Macys/Citibank N.A {$1100.00} XXXX XXXX {$760.00} *Capital XXXX {$470.00} * Capital XXXX {$470.00} *One Main {$20000.00} * XXXX XXXX XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX was the original collection agency for XXXX XXXX XXXX XXXXXXXX XXXX they have had it since XX/XX/XXXX that was sold to Capio Partners which I was never notified and they have it listed as a new opened collection dated XXXX 

They have two new open collections account dated XX/XX/XXXX For XXXX XXXX XXXX XXXX that XXXXXXXX XXXX XXXX  has had since XXXX. I would like for them to correct the date on my credit report from when they bought the debt from XXXXXXXX XXXX XXXXXXXX to the original date of XX/XX/XXXXXXXX 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: SC

Complaint narrative:
I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG.

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: SC

Complaint narrative:
I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG. 

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.

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 2024-01-17 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: Block, Inc.
State: MD

Complaint narrative:
Subject : Formal Complaint Against CashApp for Unauthorized Charge by Merchant ( XXXX  ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CashApp regarding an unauthorized charge made by the merchant " XXXX  '' on my card. The details of the incident are as follows : XXXXXXXX XXXXUnauthorized Charge : XXXX On approximately XXXX XXXX XXXX XXXX made a charge on my card without my authorization. I promptly filed a dispute on XXXX XXXX XXXX after the charge was made. 

XXXX. XXXXDispute Filing : XXXX I initiated the dispute process as soon as the item posted. To support my claim, I provided emails indicating that I was not aware of signing up for any subscription and explicitly requested the cancellation of such subscription. 

XXXX. **Email Evidence : ** The emails in question are time-stamped, clearly stating my objection to the subscription and insistence on its cancellation. Despite my multiple requests, the company assured cancellation only after the item was shipped. 

XXXX. XXXXProduct Return : XXXXXXXX  Subsequently, I refused and returned the product, emphasizing my disagreement with the subscription and requesting a refund. 

XXXX. XXXXCommon Sense and Timeline : XXXX I ordered a two-month supply, but not even one month passed before I was charged again. This occurrence highlights a failure in common sense, as I had clearly communicated this is a one-time purchase which furthermore demonstrates my non-consent to any ongoing subscription. 

I kindly request your assistance in investigating this matter and ensuring that appropriate action is taken against CashApp for allowing an unauthorized charge by XXXX. I believe this incident raises concerns about consumer protection and the need for accountability in financial transactions. 

Please find attached relevant documents, including the disputed charge, emails, and proof of product return. 

Thank you for your prompt attention to this matter. I appreciate your efforts in upholding consumer rights and ensuring a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation