vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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: AZ

Complaint narrative:
To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Equifax and was surprised to find a hard inquiry that I did not recognize or authorize. As reference please see the inquiry below : XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned company to access my credit report. Additionally, I have never given Equifax my consent to furnish this information. This inquiry on my credit report is a clear violation of my consumer rights under 15 USC 1681b ( c ).

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiry from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
EXPERIAN did not follow XXXX XXXX compliance laws and guidelines when reporting on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against TransUnion credit reporting agency for violation of the Fair Credit Reporting Act ( FCRA ) and my privacy rights as a consumer. 

Specifically, TransUnion has failed to report my personal and account information with accuracy and fairness, in violation of U.S.C. 1681e ( b ), which requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, TransUnion has allowed hundreds of promotional and account review inquiries to my account without my explicit written or oral consent, in violation of U.S.C. 1681b ( c ) ( 1 ), which states that credit reporting agencies may only furnish a consumer report for " permissible purposes. '' This affects my ability to utilize the banking system fairly and hinders the permissible purposes of consumer reports by law. 

Additionally, TransUnion has violated my privacy rights by allowing unauthorized access to my account information, in violation of U.S.C. 1681b ( a ) ( 3 ), which states that credit reporting agencies may only furnish a consumer report to " a person with a legitimate business need. '' The burden of proof is on TransUnion to provide the most accurate information, as stated in U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Therefore, in light of these violations, I am requesting the following actions be taken by TransUnion : Immediate deletion of multiple repetitive addresses reported, to my current legal address ( i.e., XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX ) Deletion of all outdated employment history being reported ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) Deletion of all unauthorized promotional inquiries and account review inquiries Deletion of any third-party supplemental information that violates my privacy rights by law I am also requesting that TransUnion take XXXX action to correct any other inaccuracies or violations of my privacy rights as a consumer, and to ensure that all future reporting of my personal and account information is done with accuracy, privacy, and fairness as per the U.S.C. 1681e ( b ) and U.S.C. 1681b ( c ) ( 1 ) Thank you for your 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 non-monetary relief
Consumer complaint received 2023-01-15 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: ERC
State: IN

Complaint narrative:
XXXX doesn't like to respond to my dispute ( XXXX ). The other bureaus deleted immediately upon investigation XXXX just responds ( if at all ) with generic XXXX. response letters about not understanding what I want. It is sad that i've had to send SO MANY LETTERS I actually know what the letter will say before I open the envelope - and it won't be about the investigation they did but the XXXX investigation they failed to provide this consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: VA

Complaint narrative:
TRANSUNION did not meet METRO 2 Compliance Guidelines when reporting on my consumer 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 2023-01-15 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: AZ

Complaint narrative:
To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Experian and was surprised to find hard inquiries that I did not recognize or authorize. As reference please see the inquiries below : XXXX XXXX  on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned companies to access my credit report. Additionally, I have never given Experian my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.

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 2023-01-15 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:
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 name : # XXXX, Account name : # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MA

Complaint narrative:
I put down a deposit to be able to qualify for a discover card and the company promised to return the deposit after months of proper use in which I had. Discover said they sent out a check via mail even though I had paid my deposit from a debit card. They stated they would send out another check a month ago and now has no answers to me still not receiving my deposit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX, Regions Bank inquiries about unauthorize use of complainant 's Regions debit card. 

The Complainant traveled to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gas pump # XXXX, on XX/XX/2022 at approximately XXXX pm to purchase fuel. At which point, he bought fuel at pump # XXXX for an approximate total amount of {$9.00} using his Regions Bank Visa debit card. That same day, he noticed a {$69.00} charge pending on his debit card in the transaction detail section of Regions online services, from XXXX XXXX XXXX XXXX MO XXXX. See the XXXX XXXX of XXXX document titled " Transaction Detail '' below on XX/XX/2022, after receiving notice that payments were no longer pending and the amount of {$69.00} was final. The Complainant immediately dialed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but was unsuccessful in resolving this matter with the XXXX XXXX employee. This employee will be identified in the complaint as ( XXXX XXXX. The Complainant is owed an apology for interfacing with an ignoramus employee ( XXXX XXXX. XXXX XXXX, XXXX XXXX is the epitome of XXXX 's definition of ignorance. For the love of XXXX, again this employee will be identified in this complaint as ( XXXX XXXX. 
The XXXX returned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, to obtain the gas pump number for this complaint. The following incident was observed by the complainant, as shown in the photos below : Pump XXXX was not open to the public at the time. The pump 's arm was covered in plastic, as shown in the photo below. The complainant also observed pump # XXXX displayed the same price as was charged to his Regions Debit Card on said date XXXX days later. 
In summary, the Complainant immediately demands that his Regions Debit Card be returned of the overcharged funds of {$60.00} and again an apology to deal with such ignorant employee. You can reach me at the address above if you have any questions about this request. The official submission of material synopsis of the event led to XXXX XXXX XXXX XXXX XXXX MO XXXX, as described above, overcharging my debit card of the said amount ; see attached photo titled Transaction Detail. Please note all affixed materials are made part of this complaint and will be used to justify the claim of overcharge on Complainants visa debit card ending with XXXX, as stated above. 

The top prosecutor in Missouri tried to settle this dispute but couldn't because the vendor didn't respond the way the complaint asked him to. However, Regions Bank exerts considerable influence in attracting the vendor 's attention, but more needs to be done.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX is reporting an Account on my Consumer Report without my Consent. Experian and the Reporting company known as XXXX XXXX services is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 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: Experian Information Solutions 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Amex Platinum Credit Card needs to be closed. I called AmEx 's customer service three times. The customer service told me that I have paid off all the debts. But suddenly one day I received a report that a credit card was overdue. My credit score suddenly dropped over 70 points. I complained to them and they did an investigation and wrote me last XXXX saying they would correct the error and update my information with the credit department. But until now, they've done nothing. My credit score was severely damaged by their mistake and this issue has to be fixed. They also sent me a {$1.00} check as an apology, which I felt discriminated against me. I don't need money, I need my credit score back fast.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 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: IL

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer 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 2023-01-15 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: SC

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 record 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