vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
As per the Fair Credit Reporting Act ( 15 USC 1681 ), it's crucial for consumer reporting agencies like Equifax and XXXX to handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Under 15 USC 6801, financial institutions are mandated to uphold customer privacy and protect their nonpublic personal information.However, despite these regulations, Equifax, XXXX, and financial institutions ( Furnishers of information to credit agencies ) are not authorized to share my private information without my explicit written consent, as outlined in 15 USC 1681 section 604. Additionally, they failed to inform me of my right to opt out of such disclosures, as required by 15 USC 6802.Moreover, they are in violation of 15 USC 1681C by reporting adverse account information without permission, and 15 U.S. Code 1681s-2 ( A ) ( 1 ) by potentially furnishing inaccurate information to consumer reporting agencies. These actions demonstrate a lack of reasonable procedures to avoid violations, as mandated by 15 U.S. Code 1681e.In light of these legal violations and my rights under 12 CFR 1016.7, I am formally opting out of their reporting services.Any charge-off closed account information reported by Equifax, XXXX, or financial institutions ( Furnishers of information to credit agencies ) without my explicit written consent is also in violation of the law, as per 15 USC 1681C ( a ) ( 5 ). This further strengthens my decision to opt out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: MS

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-04 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: MS

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
From XXXX to XXXX I had new accounts opened all the time

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: COOPERATIVA DE AHORRO Y CREDITO HATILLO
State: PR

Complaint narrative:
Someone hacked the credit card I have with this institution. When I made the claim, it took more than 90 days to investigate. And now I am under investigation on my credit report because during the period in which the fraud was being investigated, the institution reported that I did not make the corresponding payments. When I didn't have to do them for research. In addition, they did not pay the interest that the fraud generated.

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 monetary relief
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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

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 2024-04-04 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: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) 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 There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated 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 2024-04-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with purchase agreement to show full ownership of such account and also other documents I may review to see the accuracy of said account. I understand my rights under 15 U.S.C. 1681 Sec. 602 A ; and 15 U.S.C. 1681 A ( 2 ). I was never notified in writing per 15 U.S.C. 1692 prior to accounts being on my credit report within 5 days. Moreover, these accounts violate debt collections and abusive and unfair practices under 1692f ( 1 ) ; in furtherance, 15 U.S.C 6802.

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 2024-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-04 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: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXXXXXX XXXX  XX/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 2024-04-04 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: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: ID

Complaint narrative:
Upgrade credit card company inaccurately reported to credit bureaus that I was 30 days late on a card payment ending in # XXXX, when I was not 30 days late, which Upgrade verified when I called them after seeing the XXXX point decrease in my credit score with XXXX on XX/XX/year>, and XXXXpoint decrease in XXXX credit score on XX/XX/year>. This is the second time this has happened with Upgrade, and then taking forever to have them remove from my credit. The decrease in credit score and time of mine to have to deal with, report, make multiple calls, and endure such a decrease in credit and all the repercussions. Upgrade should not be allowed to keep doing this, FOR FREE, no payback or compensation, or anything affecting them from continuing to do this that affects other people extremely when its an absolute lie that I was 30 days late on a payment not once but twice. This is not OK to take my time that I dont get paid for and take my credit score that now Im not allowed to use for essentials that might be needed. Im submitting screenshot images to verify what Im saying. Also, Upgrade did verify I was not late on any payments 30 days and they also said they didnt report it to credit and told me I had to call XXXX XXXX and XXXX because it was on them after talking with them they absolutely say its not and that Upgrade did report it which I do believe because as I said, this is the second time theyve done this and should not get away with it anymore. My credit score should be risen even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 2024-04-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not give consent or authorize the following inquiry on my credit report : By obtaining my Equifax consumer report on the date below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX  years, or both. 
Below are the Inquiries that I did not authorize : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
I have noticed that according to the Fair Credit Reporting Act, the list of accounts has violated my federal protected consumer rights to privacy and confidentiality in 15 USC 1681. 

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 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 item 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 a reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
On XXXX XXXX XXXX, I received XXXX fraudulent charges across XXXX different credit cards from XXXX different vendor accounts. All told I was assessed {$18000.00} for charges I did not authorize : * AmEx Platinum Card * {$340.00} from XXXX ( XXXX XXXX XXXX ) * {$11000.00} from XXXX  XXXX XXXX XXXX XXXX  ( XXXX XXXX ) * AmEx Corporate Card * {$5600.00} from XXXX XXXX XXXX XXXX ( XXXX XXXX  ) * XXXX XXXX XXXX * {$360.00} from XXXX I immediately contacted each credit card company to dispute these fraudulent charges. Both card companies issued me new cards and initiated fraud investigations. 

After an initial investigation, the charge to the XXXX AmEx account was confirmed as fraud and the charge was reversed. However AmEx has repeatedly refused to confirm the other charges to the XXXX card as fraudulent. Instead they keep re-billing those charges to me. 

To justify this theyve provide documentation from the fraudulent vendor ( s ), however the documentation ( attached ) has no substance. For example the " receipt '' they provide has a description that simply reads any amount ( in XXXX ). My signature is not on it ( despite their claims ), there is no itemized bill, no evidence of any goods or services actually provided. 

All AmEx repeatedly tells me is that since a chip card was used, it cant be considered fraud. This is clearly an incorrect assumption and a flawed policy that those committing the fraud are exploiting. AmEx should be held accountable for having a business relationship with these fraudulent vendors. 

At the end of the day these are unauthorized charges, even though a chip card was present. AmEx advertises XXXX liability for unauthorized charges and they should abide by their promises.

Company response to consumer: Closed with monetary relief