vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: LCI Acquisition Inc.
State: PR

Complaint narrative:
. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that they immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This claim pertain to XXXX credit card. I have signed for a 18 months interest fee credit on purchase from XXXX XXXX back on XX/XX/XXXX, which would be due by XX/XX/XXXX. I have made my last payment on this purchase on XX/XX/XXXX, with a deposit of {$2000.00}. However, to my horror surprise, I was charged with a XXXX dollars in interest which I believe is fraudulent. The contract, lack transparence, as no where is to see such charge. Also I have never received any notification from this bank regarding my account and upcoming payments. 
I have tried to settle with the bank over multiple phone calls I made, without a resolution. The agents would have same script answer as there is nothing to do in this situation, so every time I tried to escalate to a supervisor I would be disconectted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

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 2023-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I found that my bank account at Chase Bank had an Unauthorized Charge of {$86.00} for an Antivirus Program, from the XXXX XXXX XXXX XXXX, I did not have plans to renew for a second time. I had turned off automatic renewal option on the XXXX website when I first purchased the program back in XXXX. I notified my bank on XX/XX/XXXX, that I did not authorize this renewal charge of {$86.00}. It was posted from XXXX on XX/XX/XXXX to CHASE BANK, The person that took my call after hours said he could not help me and to call CHASE in morning because of Holiday. Somehow Auto Renewal was turned back on in XXXX website and not by me. I received an e-mail letter on XX/XX/XXXX from Chase stating the {$86.00} was correct and they denied my refund. This internet company downloaded XXXX XXXX XXXX, and also XXXX, and XXXX XXXX for Phone to my computer from their computers without my consent or knowledge On XX/XX/XXXX, they charged my account with Chase Banks Approval on XX/XX/XXXX. I am a XXXX XXXX XXXX woman on Social Security and XXXX, along with Chase Bank, decided that I needed this program and from them. The money came from my Social Security Checking Acc. at CHASE. XXXX at XXXX XXXX had no right going inside my computer and downloading all those programs into it. Please look into this matter as I need my money back. Last but not least, this company in my opinion have bad practices in way of turning back on AUTO RENEWAL, Just my opinion, buyers beware. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 usc 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify account that isnt reporting correctly. 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 inaccura
te.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 usc 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify account that isnt reporting correctly.

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 2023-06-02 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: IL

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX inquired XXXX XX/XX/2022 and XXXX XXXX XXXX XXXX XXXX  , Used XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 
With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

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 2023-06-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting XXXX XXXXXXXX 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 that a consumer reporting agency can not furmish 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 2023-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furmish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX, ORIGINAL CREDITOR XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, we purchased an attraction pass with the merchant, XXXX XXXX, in the total amount of {$200.00} ( Exh. 1 ) for 2 persons or $ XXXX to be used on XX/XX/XXXX, the selected activity date. A week after the purchase, I changed my mind and requested a full refund of the total amount paid of {$200.00}. However, on XX/XX/XXXX, the merchant only issued an arbitrary refund of {$66.00}. 
According to the merchants cancellation policy ( Exh. 2 ), Full refunds will be issued for cancellations made at least 15 days before the selected activity date and a cancellation fee of JPXXXX XXXXXXXX will be applied before the selected activity date. Considering this cancellation policy, the total refund due is {$190.00} ( {$200.00} - {$4.00} = {$190.00} ). Therefore, the merchant still owes the remaining refund of {$120.00} { {$190.00} ( total refund due ) {$66.00} ( amount partially refunded ) = {$120.00} }.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX Credit Card doesn't belong to me XXXX XXXX XXXX ( without prejudice ) Affidavit Of Facts attached.

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 2023-06-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reached out to the department of Education back in XX/XX/XXXX I was told if I submit documentation that I was having extreme financial difficulties to send in my paperwork and they would remove the late payment from XX/XX/XXXX. I sent all the necessary paper work and a letter to explain I was having a mental break down during XXXX. My mother passed away from XXXX XX/XX/XXXX, I was in a XXXX XXXX, I was diagnosed with XXXX in XX/XX/XXXX I was back and forth in the emergency room because they had no idea what was wrong with me. In XX/XX/XXXX my XXXX daughters were in a terrible car accident my XXXX daughter almost lost her eye and needed XXXX  XXXX. I explained this to them I sent in my mothers death certificate and a copy of the accident with my daughters names listed and copies of their birth certificate as proof I was their mother. The department of education still refused to remove the late payment from XX/XX/XXXX. 
I also sent a dispute letter to XXXX, XXXX and Equifax for the following violations : CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
MY RIGHTS HAVE BEEN VIOLATED! FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reached out to the department of Education back in XX/XX/XXXX I was told if I submit documentation that I was having extreme financial difficulties to send in my paperwork and they would remove the late payment from XX/XX/XXXX. I sent all the necessary paper work and a letter to explain I was having a mental break down during XXXX. My mother passed away from XXXX XX/XX/XXXX, I was in a XXXX  XXXX, I was diagnosed with XXXX in XX/XX/XXXX I was back and forth in the emergency room because they had no idea what was wrong with me. In XX/XX/XXXX my XXXX daughters were in a terrible car accident my XXXX  daughter almost lost her eye and needed XXXX  XXXX. I explained this to them I sent in my mothers death certificate and a copy of the accident with my daughters names listed and copies of their birth certificate as proof I was their mother. The department of education still refused to remove the late payment from XX/XX/XXXX. 
I also sent a dispute letter to XXXX, Experian and XXXX for the following violations : CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
MY RIGHTS HAVE BEEN VIOLATED! FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT to be included on my 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 2023-06-01 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.

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 2023-06-01 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: CORELOGIC INC
State: PA

Complaint narrative:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.

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