vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2024-12-08 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: FL

Complaint narrative:
There are some inquiries that I do not recognize and I did not do them. I would like to know if you can eliminate them XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>

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 2024-12-08 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: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that the account listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure this account is removed from my credit report immediately to mitigate the impact of this breach. 
Account to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/year> - {$1900.00}

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 non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX sold me three tickets to a XXXX XXXX performance at the Florida Theatre in XXXX. I paid {$370.00} for the XXXX tickets using my AMEX card. The tickets were not accepted at the Florida Theatre box office where I was informed that the XXXX tickets are illegally sold and invalid. The actual value of the three tickets is {$150.00}. XXXX merely `scalped ' them. i.e. sold them for more than their face value. 
This is illegal in Florida. 

I explained this to American Express with supporting documentation and asked the XXXX charge to be canceled. American Express insists that I pay the {$370.00} charge even though the three tickets sold by XXXX were not accepted at the performance venue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I cant get a second, updated copy of my credit report in a year I need for a legal proceeding. The only options they give me for a full report is the free credit report option, which Ive already used this year, or call their automated voice input system. I cant get past the automated system which only uses voice input. Ive had speech therapy and I have an unusual pitch range, kind of between male and female that obviously this system has not been trained on. So it cant understand me and it hangs up on me. I have no way to contact customer service without this automated voice system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: FL

Complaint narrative:
Since my husband passed away, I have had a difficult time finding work. I thought I had a job lined up recently but it fell through. Therefore, I temporarily didn't have sufficient money to make my Sezzle payments. On XX/XX/year>, I contacted Sezzle using the Conversation option, which represents itself as a web chat. I asked to revoke authorization to debit my bank account. 

No chat agent ever responded and over {$200.00} was debited. I had to borrow money from my children to avoid becoming overdrawn. I attempted again today to turn off autopay so I can manually make upcoming payments. 

I was told Sezzle could not do that, only I could do reschedules ( not what I asked ) through the app. This is a violation of the law. 

I am going to repay me debts but I can't afford to pay it now. I have a new job starting soon which will help me catch up. I want autopay turned off and {$100.00} of the monies that were debited between XX/XX/year> and today so I have money to live off of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that the account listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure this account is removed from my credit report immediately to mitigate the impact of this breach. 
Account to be blocked and deleted : XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/year> - {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that the account listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure this account is removed from my credit report immediately to mitigate the impact of this breach. 
Account to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/year> - {$1900.00}

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
No contractual obligation to agency and agency never contacted me back Account charged off No 1099C not received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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:
No contractual obligation to agency and agency never contacted me back Account charged off No 1099C not received

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 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I kindly request that this account be removed ( capital one ) from my credit report immediately. Please investigate this matter and provide written confirmation of the results. If additional documentation is required, please let me know promptly. 

Thank you for your attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX Account name : Capital one Account number : XXXX Account type : Credit card Account charge off balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A {$7500.00} balance transfer that I had requested was posted on XX/XX/XXXX. For this transaction I was charged a 5 % fee with a promised promotional 0 % APR for 12 months. The balance transfer went through with no issues and I continued to use the credit card for new purchases regularly in the months following thinking that I would be able to pay off the new purchases each statement as normal while applying any excess to the promotional balance transfer balance. It is also relevant to include that at that time I had four active " plans '' as part of the " MY CHASE PLAN '' program that were posted on my XXXX statement totaling {$3100.00}. 

Now it is XX/XX/XXXX and I am finding on my last two posted statements that Chase is applying any payments that I make in excess of the minimum payment to the 0 % APR promotional balance transfer balance of {$7500.00} first, and charging me interest at 27.49 % APR for any new purchases that I make. I believe that this is a violation of the Credit Card Act of 2009 which requires credit card companies to apply payments in excess of the minimum payment amount to higher interest balances first. 

I contacted Chase with these concerns on XX/XX/XXXX by phone. They stated that the reason they are applying the payments so is because my credit card terms stipulate that I may only have one active promotion at a time, and the four " MY CHASE PLAN '' offers that I had summarized before were already active and therefore negate the balance transfer that had already posted to my account with the 5 % fee applied. I am also confused as none of this was disclosed to me clearly in terms that I could understand and the balance transfer that I had requested had clearly been accepted and posted to my account with fees charged accordingly. Additionally, I had four " plans '' active at the time which seems to contradict what Chase was saying about the card terms only allowing one promotion at a time.

Clearly I would have never initiated the balance transfer had it been disclosed to me honestly how future payments would be applied. Now, not only am I out the 5 % fee they charged me for the balance transfer, but I am continuing to pay the extremely high standard APR on balances that I didn't plan to carry as I had expected my payments to apply to the higher interest balance first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This is the same incident I reported in my previous case regarding rental applications made fraudulently under my name out in Colorado. The original debt was with XXXX  XXXX ( whatever that is ) and the previous collections agency has just turned this collection over to the next debt collector. The amount they are looking for has increased to {$200.00}. The current debt collector is Transworld Systems Inc ( tsi ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never visited Colorado and never had any dealings with XXXX XXXXXXXX. Someone has stolen my identity, which is possible because my employer ( Department of Veteran Affairs ) has had multiple data breaches over the last several years that we have been warned about. The debt collector wants me to provide them with all kinds of personal information, but I'm hoping the CFPB can help, because I don't want even more of my data out into the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Letter to remove inaccurate reporting of CREDIT INFORMATION To WHOM IT MAY CONCERN : I received a copy of my credit report and found the following items to be errors. Here as follows are items being report as ( CHARGE OFF ) in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charge off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON 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 non-monetary relief
Consumer complaint received 2024-12-08 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: KY

Complaint narrative:
In accordance with the Fair Credit reporting act.The list of accounts below has notated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Acct # XXXX, XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # 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 non-monetary relief
Consumer complaint received 2024-12-08 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: KY

Complaint narrative:
In accordance with the Fair Credit reporting act.The list of accounts below has notated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX  Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, last verified, closed date, and last payment. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, date of last activity, balance Owed, and creditor type. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, includi

ng : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unv
erifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief