vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: MI

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 account number:XXXXXXXX XXXX XXXX account number:XXXX XXXX  account number : XXXX, XXXXXXXX XXXX XXXX XXXX account number : XXXX, XXXXXXXX XXXX account number : XXXX, XXXX XXXX XXXXXXXX account number : XXXX, XXXX XXXX account numberXXXX 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 2023-05-03 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: MD

Complaint narrative:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXXXX/XX/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 2023-05-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: NC

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 explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I log in beginning of this month and I see an offer so I Upgrade and start moving some spend to make sure to hit the free night reward, a week later I recieve an email with the same targeted offer XXXX hilton points for the surpass, So I call help desk and they say they don't see my original web offer applied, agent tells me since I have i valid email offer and its only been a week they can just rollback my initial upgrade and I can just accept the email after a day or so to get my upgrade offer as planned after a few days the targeted email offer is not working, I call in and at first they say offers come and go but when I point out that the targeted email says valid till XXXX, the agent opens a case, on XX/XX/XXXX I call in and the agent reads from case that they will honor the upgrade offer, all I have to do is submit proof of the email and valid code, I get the docs request email, upload screenshots and am told that I will recieve a call back in a few days and as long everything is as detailed I will recieve my upgrade offer sonce i recieve no follow since the XXXX, on XX/XX/XXXX I call in and ask about my case and the agent reads off the notes that my case was actually closed as of the XXXX somehow before my last contact with Amex, with the offers team saying they are not responsible for ensuring offered promos are valid, worse yet the agent sees no notes regarding what the last agent went over or the documents submission request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Please see attached file. Selene has advised cfpb letter dated XX/XX/2023, paragraph 4, quotes On XX/XX/2023, Selene received XXXX XXXX XXXX XXXX for Loss Mitigation assistance this is not true, I want evidence of the package for loss mitigation assistance they say Selene received on XX/XX/2023. 

My first application for assistance Selene made income error amount different than in my income form application.!!!! Replys to cfpb Selene explained no errors on their behalf, well they did I found out when replys to the bureau the bureau sent me documents and I caught their errors. 

Please review all my closed complaints, you will find all my complaints. I need help!! Investigate Selene Finance a little deeper. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NC

Complaint narrative:
account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning.

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credit card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ).

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.

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 2023-05-03 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: NC

Complaint narrative:
account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning.

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credi
t card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ).

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.

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 2023-05-03 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: NC

Complaint narrative:
account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning. 

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credit card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ). 

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: SC

Complaint narrative:
I recently opened an account with XXXX XXXX and noticed that a late payment ( 30 day ) was placed on my credit report. I called XXXX XXXX and they found it and could only give me information that the card ended in XXXX. That account does not belong to me. I was asked for my social and date of birth and it did not match my information as well. I need this item removed from my credit report ASAP as it does not belong to me.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax XX/XX/2023 Confirmation # XXXX Equifax has not resolved my issues on my credit report. 

wrong address and various information. 

I also requested a full credit report from Equifax in which they did not send. 

I requested last year back in XXXX my XXXX free credit report with all the pages in which they did not send out to me. 

Equifax should be closed down for lies as they resolved my issues in which how did you resolve my issues with out sending a credit report nor fixing any information to the problems. 


send a complete credit report with all the pages to my credit file and stop playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a dispute on this with the consumer credit reporting agencies. My understanding a settled account can not be listed as a charge-off on the credit report. Currently, this is reporting as a charge off with the following comments : Payment after charge off/collection settled-less than full balance. However, the settlement agreement that was emailed and the completion made no reference to this being listed as a charge-off. I need the credit file to be updated exactly as promised or deleted if it can not. I have attached the emails showing the promises made by opp loans once I completed the settlement. I feel like the company is negligent in how they updated the information because it should have been updated as agreed in the settlement offer.

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 2023-05-03 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: DISCOVER BANK
State: TN

Complaint narrative:
Disputed XXXX XXXX firm for {$1200.00}. XXXX XXXX took my money and did not represent me in a case with XXXX XXXX. She never contacted XXXX. The attorney did not give my file back. The attorney did not return my money after she fired herself on XX/XX/XXXX. 

Discover Card told me to upload a letter from XXXX showing that the attorney did not contact them for representation of me. XXXX never heard of this attorney or firm. 
Discover Card told me to upload any emails I have from the a XXXX attorney showing XXXX XXXX did not give them receipts and invoices I gave her to give to them. 

I did all of the above, yet Discover Card is not doing what they said and they are being hostile toward me. I have been a good paying customer with Discover Card since 2014. I expect more from Discover and I expect respect and to be treated with dignity and honesty. I expect my credit card company aka Discover Card to believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these items are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$42000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$21000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Docket Identifier 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 2023-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my dissatisfaction with the results of the reinvestigation of my dispute that I submitted to XXXX/Equifax/XXXX  XXXX XXXX XX/XX/2023, through the CFPB portal. [ Account XXXX. All is being investigated by the FTC ]. Despite my efforts to bring to your attention the inaccurate information appearing on my credit report, including the XXXX XXXX account that I have disputed, I was disappointed to learn that the only action taken was to update my address and add a telephone number. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Furthermore, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

These violations have caused undue stress and financial strain on my life, and I demand that they be rectified immediately. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Therefore, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX account completely removed from it. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

Reporting of inaccurate information is a serious matter, and I urge you to take swift action to rectify this issue. I believe that the following CFPB codes may be relevant in this matter and I request that you consider them when reviewing my dispute : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA, and Section 1681b of the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act the XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information.

Company response to consumer: Closed with explanation