vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-24 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:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-24 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:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Contacted all three credit bureaus and advised them i didnt do any credit inquiries. Was told they would dispute it. Nothing was done. This is all the all the inquiries that was on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
I UPLOADED PROOF O F IDENTITY AND ADDRESS ALONG WITH FTC AFFIDAVIT : identifies as information that resulted from an alleged identity theft, not later than 4 business days after ( BY LAW EQUIFAX, XXXX and XXXX IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
I UPLOADED PROOF O F IDENTITY AND ADDRESS ALONG WITH FTC AFFIDAVIT : identifies as information that resulted from an alleged identity theft, not later than 4 business days after ( BY LAW XXXX, XXXX and Experian IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of 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 2024-08-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I purchased a {$100.00} American Express Gift Card from XXXX on XX/XX/year>. On XX/XX/year> I was in the XXXX, New Jersey hospital for some XXXX  tests and while waiting, I went on the American Express Gift Card website to check my balance and saw I had {$67.00} available. When my tests at the hospital were complete, I went to XXXX XXXX and attempted to use my card. It was declined several times. When I went back to my car, I checked the site again and saw a charge was processed for the {$67.00} to a XXXX XXXX located in XXXX, Florida. I immediately called American Express and reported the fraudulent charge and was given a Reference : Case Number that I will gladly supply to you if necessary. On XX/XX/year>, I received the following correspondence from American ExpressXXXX Dispute Resolution ; We've completed our investigation of your American Express Gift Card dispute and want to share our findings. Your dispute is declined. We take concerns from cardholders very seriously. After a thorough review of your account, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed. This denial is unacceptable to me, and I will exhaust any and all means to be made whole. For too long companies like American Express has gotten away with this illegal behavior and I am not okay with this and I'm hopeful with your help, you will be able to help not only me, but other victims in my unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After making claim number XXXX regarding a fraudulent transaction in my debit card caused by a phishing attack, the bank decided to freeze and initialite an account closure. 

I called the bank, and they told me the reason for this is because i have no SSN, but my account was open in 2016 when the SSN was not mandatory. 

Another employee told me that as i open the account in 2016, i have the right to keep it open with no SSN. Also i never had a debit card claim or fraud with this bank in the past. 

So i think the reason for the closure is not the missing SSN, is just to dont resolve my debit card claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: MI

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-08-24 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
I checked my XXXX credit report this morning, it stated that I had XXXX more account attached to MOHELA, of all different totals, but adding up to my original and CORRECT student loan balance of {$17000.00}. It has caused my credit score to decrease and I am very upset. XXXX and XXXX are showing my correct credit report of only XXXX student  loans, Mohela.com is showing that I also owe a balance of {$17000.00} which is correct and studentaid.gov is also showing the same total. I need this resolved as soon as possible. XXXX definitely is having issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have received a copy of my credit report from Experian that currently still show inaccurate information. I have sent 3 requests to Experian for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from Experian states that alleged public record verified per data furnisher. Experian have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. 
I demand you to remove this item below : 1 ) XXXX  XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date : XX/XX/XXXX XXXX ) XXXX  XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date : XX/XX/XXXX Please find attached documents : XXXX XXXX United States Bankruptcy XXXX XXXX XXXX XXXX Georgia letter 2 ) Georgia Drivers License 3 ) Georgia XXXX XXXX XXXX ( light bill ) Please Pay By : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) Experian - Dispute

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 2024-08-24 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: OR

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of several accounts on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681 ( 5 ), all information on my credit report must be 100 % accurate across all three credit reporting agencies. Any discrepancies or inaccuracies must be corrected, or the account must be removed from my report. 
The following accounts have inaccuracies that I believe are in violation of these statutes : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request that these accounts be reviewed and updated to ensure that all information is accurate or, if necessary, removed from my credit report. Should you fail to address these inaccuracies within 30-45 days, I will proceed with legal action to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Please confirm receipt of this letter and inform me of the actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear EXPERIAN, I am writing to dispute the following inaccurate information that is currently listed on my credit report. Please see the details below for each account that requires correction or removal : 1. **Inquiry : XXXX** XXXX Dispute Reason : Unauthorized Inquiry - Relevant Law : 15 USC 1681b - Details : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX. **XXXX  XXXX XXXX Acct XXXX XXXX XXXX ** - Dispute Reason : Late Payment - Relevant Law : 15 USC 1666b 3. **XXXX  ( Acct XXXX XXXX XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 4. XXXX XXXX  ( Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 5. XXXX XXXX ( Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 6. XXXX XXXX Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 Please investigate these matters and remove or correct the inaccurate information as soon as possible. I have included copies of my credit report and relevant documents to assist with the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am in excellent standing with my card in payments and have never paid my bill late. 
The last few weeks ( XXXX XXXX, XXXX to present ) when I have tried using my card it is declined due to the expiration date. My card does not expire until XXXX. 
This has happened paying for my insurance over the phone, on XXXX XXXX, and several other vendors online.

I have called UMB Visa over and over to get this fixed and all they have done is give excuses telling me : You are entering the wrong expiration date, its only with XXXX XXXX, its a problem with your device, etc. etc. 
This can not be true as I have used phone payment, XXXX XXXX, and several other vendors were declined. 
Previously, many months ago, this same Visa cancelled my card for absolutely no reason, verified by my bank, who phoned them to straighten it out, she actually listened to our phone recording proving they were absolutely not suppose to cancel my current card number at the time. It was purely fraudulent behavior by UMB Visa.

They are dishonest and need to be held accountable for their fraud and horrible illegal treatment and hassling of innocent hard working people. 
I believe I am being hassled for paying my balance every month and earning many points they have to pay me for. 
I want them counseled and I want my card situation fixed with no further hassles for me. I do not have time to deal with them every other month. They should not be allowed to continue this fraud.

Company response to consumer: Closed with explanation