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

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 &

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed by 2 different people taking money out my checking and savings account using XXXX transfers. Both transactions of {$1700.00} each were taken out of my account from 2 different people claiming to be from Bank of America fraud department. They even called from the " XXXX XXXX Bank of America fraud phone number 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 2024-01-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received a pre-paid Amex gift card on XX/XX/XXXX for {$100.00}. I tried to use the gift card online and in person at two different vendors- XXXX XXXX on XX/XX/XXXX ( on line ) and on XX/XX/XXXX ( in person ) and XXXX XXXX on XX/XX/XXXX ( on line ) - both of which say they accept Amex as a form of payment. I ensured the purchase amounts did not exceed the remaining balance on the card. Each time I tried to use the card, I received a declination message from the vendor, and a {$0.00} transaction fee charged to the card. Amex website now shows the active card balance of {$99.00} as a result of these transaction fees. 

I called Amex customer service, and the representative stated these two vendors do not accept Amex gift cards at this time, which is not in line with the vendor policy of accepting Amex as a form of payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2024-01-01 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: Cascade CISS Holdings, LLC
State: TN

Complaint narrative:
I have sent certified letters to the credit bureau 's in concern about these inquiries. 
The last date I sent letter out was in the month of XXXX, XXXX. 
XXXX. XXXX ( never applied for an account here ) XX/XX/XXXX XXXX XXXX ( never applied here ), XX/XX/XXXX XXXX. Xactus / XXXX XXXX  ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXXXXXX XXXX  ( should have only ran my credit one time, Its two ( Remove one ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( never applied for a mortgage until XX/XX/XXXX ). not mine XXXX XXXX ( I have a n account with them, but haven't applied for anymore loans since XXXX, they're showing it as a vehicle loan and it's a regular loan. it needs to be changes. 3rd time requesting this. 
XXXX. XXXX XXXX ( never applied ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) I did a settlement offer with them, the last representative lied to me and stated that once I paid the last payment, which was over {$1000.00} that it would be removed off my credit report. She lied about it, and I tried to dispute it because they couldn't provide me with signed paperwork, cause there are a third party, a company that buys individual accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: William D. Meeker Enterprises, Inc.
State: TN

Complaint narrative:
I have sent certified letters to the credit bureau 's in concern about these inquiries. 
The last date I sent letter out was in the month of XXXX, XXXX. 
XXXX. XXXX ( never applied for an account here ) XX/XX/XXXX XXXX XXXX ( never applied here ), XX/XX/XXXX XXXX. XXXX / XXXXXXXX XXXX  ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXXXXXX XXXX ( should have only ran my credit one time, Its two ( Remove one ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) 8. CIC Mortgage XX/XX/XXXX ( never applied for a mortgage until XX/XX/XXXX ). not mine XXXX XXXX ( I have a n account with them, but haven't applied for anymore loans since XXXX, they're showing it as a vehicle loan and it's a regular loan. it needs to be changes. 3rd time requesting this. 
XXXX. XXXX XXXX ( never applied ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) I did a settlement offer with them, the last representative lied to me and stated that once I paid the last payment, which was over {$1000.00} that it would be removed off my credit report. She lied about it, and I tried to dispute it because they couldn't provide me with signed paperwork, cause there are a third party, a company that buys individual accounts.

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

Complaint narrative:
As a federally protected consumer I am now opting out of any and all authorization, I the consumer did not give XXXX, XXXX, Transunion, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, nor XXXX XXXX XXXX my written unwritten verbal and nonverbal consent to furnish my information per 12 CFR 1016.7 ( h ) 15 U.S. Code 6802 ( a ) ( 1 ) ( B ) 15 U.S. Code 1681 ( b ). 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX are not maintaining reasonable procedures. I want all charge offs deleted for being certificates of indebtedness and late payments removed for being transactions per the Privacy Act of 1974 5 U.S. Code 552 ( a ). I also want all hard inquiries removed, all phone numbers deleted besides XXXX XXXX XXXX XXXX  due to inaccuracies, have all addresses removed for being a non-mailable address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX, and student loans removed per 34 CFR 99.31 and The Famiy Educational Rights and Privacy Act 20 U.S. Code 1232 ( g ) because my written consent was not given in order for you to release my information. I expect compliance per 15 U.S. Code 6805 - Enforcement

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 2024-01-01 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: VA

Complaint narrative:
As a federally protected consumer I am now opting out of any and all authorization, I the consumer did not give XXXX, Experian, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, nor XXXX XXXX XXXX  my written unwritten verbal and nonverbal consent to furnish my information per 12 CFR 1016.7 ( h ) 15 U.S. Code 6802 ( a ) ( 1 ) ( B ) 15 U.S. Code 1681 ( b ). 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. I want all charge offs deleted for being certificates of indebtedness and late payments removed for being transactions per the Privacy Act of XXXX 5 U.S. Code 552 ( a ). I also want all hard inquiries removed, all phone numbers deleted besides ( XXXX ) XXXX due to inaccuracies, have all addresses removed for being a non-mailable address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, and student loans removed per 34 CFR 99.31 and The Famiy Educational Rights and Privacy Act 20 U.S. Code 1232 ( g ) because my written consent was not given in order for you to release my information. I expect compliance per 15 U.S. Code 6805 - Enforcement

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023, file a dispute with XXXX regarding a XXXX XXXX bankruptcy that was sent to TransUnion, XXXX and XXXX I was informed by XXXX that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records XXXX is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! XXXX is a corporation that does not follow the law. also, XXXX along with XXXX are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over 6 disputes to XXXX and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated 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 non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023, file a dispute with XXXX regarding a XXXX XXXX bankruptcy that was sent to XXXX, XXXX and Equifax I was informed by XXXX that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records XXXX XXXX in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! XXXX is a corporation that does not follow the law. also, XXXX along with Equifax are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over 6 disputes to XXXX and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated XXXX XXXX

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

Complaint narrative:
As a Federaly proteceted Consumer I ama now opting out of any and all Authorization ( s ) I the consumer may have give you written/Unwritten and Verbal or Non Verbal, Per 15 USC 6802 .

Under USC 522 ( a ) : The consumer doesnt have to furnish any SSN to any Authority other than an official Government Agency .

Under 17 CFR 424 any company that is under the SEC COMMISION or Contracted with is not allowed to to Solicit and ( or ) Commit Language fraud under this Law.

Under 15 USC 1681 Accuracy and fairness under this law has been violated.

Under IRS Publication 4681 any Charge offs are considered Income.

Income is not allowed to be reported upon a Certificate of In debtness under this provision of the Law.

It is illegal to report any and all Transictions or History under the Privacy act of 1974. 

Failure to comply will result Civil Liability for any and all Corprations in violations of these laws. USC 1681 ( N ).

All future Authorizations have now been Rescinded immediatly.

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 2024-01-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
After my previous complaint Citizens Bank removed previous charges and interest but for no reason in a new statement charged {$3.00} interest on " purchases, '' which does not make any sense. No interest on " purchases '' should be charged!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 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: WI

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights under 15usc1681section 602 States that I have the right to privacy 15usc1681 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written instructions.Under 15usc1666 ( b ) States a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 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.

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are 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 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have received 3 emails from CHIME regarding a credit/debit card that I never applied for. The last email says it is being mailed to an address that I no longer have. I called customer service and the first question they ask is my social security number, which I will not provide. But even without entering the number, the call then says, okay now enter your birthday. Seems suspicious to me. I do not feel comfortable entering that information with a company I know nothing about. I am afraid this card will be used fraudulently. Please investigate and advise. Thank you

Company response to consumer: Closed with explanation