vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 has violated my rights. Or list of inquiries 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 2024-02-03 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: GA

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-03 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
A person reached out to capital one and said that they were me. They provided a fake image of my drivers license and gained access to my account. Somehow he found out my home address, phone and email and then changed all of those things on my account without my consent, thus locking me permanently out of my account. In trying to gain access to my account this person changed the information back nearly XXXX times in XXXX hours. A company as large as capital one would benefit immensely from XXXX factor authentication, or a more concrete way of verifying identity. The fact that this was flagged on my account as a problem and the person used this same method nearly XXXX times to gain access is troubling. Also, many of those times was while I was on the phone with Capital one saying NO please do not let anyone besides me into the system. I also asked them to put notes saying do not let a person change the phone to XXXX anything in that area code, and the system allowed this person to change it back to his name, phone and email many different times. Please provide feedback to Capital one that they need to change their authentication process immediately for fraud protection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
Here is a brief description of the incident. On XXXX XX/XX/XXXX, I had visited XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked the store associate to create my free account. While creating a free account I was asked by the store associate to provide details about my SSN and other information. On asking if this would impact my credit score, she said no it would not. I asked her why this is required since I am only creating an optional free account, she assured me that it is just the policy. However, on the application, I did not fill my income details correctly, since I did not want to apply for anything at all except for a free account. Days later I received a letter which mentioned my application for XXXX XXXX issued by XXXX XXXXXXXX XXXX was rejected based on lack of account information. On XXXX XXXX, I saw that there was a hard inquiry done on my Equifax account. 

I had never asked for creation of a XXXX card issued by XXXXXXXX XXXX My Credit score was impacted due to this. Keeping this in mind, I have raised an identity theft fraud report and will be sending the report and relevant documentation to Equifax and XXXXXXXX XXXX I am disputing the hard inquiry that was done against my credit account. 

On XXXX XXXX XXXX XXXX XXXX told me that it would undo the hard inquiry that was raised against my credit report and would inform Equifax. However, it is currently XXXX XX/XX/XXXX and Equifax has reported that it has not received any kind of communication from XXXXXXXX XXXX. I have recorded audio calls as a proof for this. In view of this, I am raising this identity theft report so that my issue is resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
This is the follow up request Dated XX/XX/2024. I see that until now I dont receive any responses about information on my credit report which is incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance XXXX : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX XXXX Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
I tried to send a wire from my checking account after going through the verification process they told me I needed to upload my license which I did then they said I need to send verification form notorized which I did now they blocked my phone number I cant call the bank I cant talk to anyone I cant use my card I cant access my money {$5300.00} plus dollars nothing they just robbed me and are acting like Im the bad guy when they just stole every XXXX I got

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have given instructions to aid advantage in the past to opt me out from Sharing my information unfortunately for some reason this information continues being Update it on my XXXX consumer credit report this information is a fraudulent information that I have disputed with the CFPB in the past, aid advantage has been sending me an Incomplete Promissory note without the Wet signature contract, so, I am writing to exercise my right to opt out of the sharing of my nonpublic personal information with nonaffiliated third parties. Please take note of the following instructions regarding this information sharing and sales policies. Under 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XXXX XXXX XXXX from requirements of 433.2 ( a ) Also. I'm asking for the Opt-Out Request I hereby request that aid advantage do not disclose or reserve the right to disclose my nonpublic personal information to any nonaffiliated third-party Categories of Information Please identify all the categories of nonpublic personal information that you currently disclose or reserve the right to disclose, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of Regulation P. Additionally, specify all the categories of nonaffiliated third parties to which this information is disclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: AZ

Complaint narrative:
Experian credit report lists several inaccurate items. I reached out via telephone and agent refused to assist.

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/24 at XXXX XXXX I received an email from my bank stating it looks like a lender recently checked your credit report. I then signed on to my bank account to review the alert because I know I have not requested to open any new credit card or loan. My bank states their was a credit check done today XX/XX/24 by AMEX. It then gives options to dispute. I contacted the number it gave for XXXX XXXX. I spoke to a XXXX at XXXX XXXX who states he put a fraud alert on my account that would apply for 1 year and then transferred me to the fraud department who I spoke with XXXX who states it will take 72 hours to complete process of dispute. He then told me I should also file complaint with XXXX which then directed me here. He also told me to call Amex. I advised there was no number on my banks website listing. He advised to go directly to their website for a contact number. I went Amex website and called the my credit guide number XXXX since no other number matched my concern. I spoke to XXXX today XX/XX/24 at XXXX XXXX. She asked for my email to verify of any accounts were opened using that email and she stated there was none found. She did not try to check their system any other way. She put me on hold to see best way to handle my situation. When she came back on the line she stated she would be transferring me to the disputes department at XXXX. I spoke with XXXX who said he was with XXXX? He stated he did not see any hard inquiries on my report at the time. He stated he will mail a copy to me for my records which I should receive within 7-10 business days. 

I still am very concerned that someone has my information and will continue to make inquiries that will affect me or may even actually open a credit card in my name. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 XXXXeven 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 2024-02-03 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2024-02-03 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries XXXX 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been calling and writing Experian since XX/XX/XXXX. I have requested a comment stating Account disputed by XXXX XXXX meets the FCRA. First I never ever disputed this account. Everytime I call about the removal of this comment they open a dispute. I have not requested a dispute on my credit report at all. These last XXXX weeks I have called every day. And each time I am told that it will be removed and then they send a copy of the report through email. And each time I review the emails I still see the statement under comments just above XXXX  XXXX. Each time they open a dispute it hurts me and is pushing my closing date back. XXXX XXXX, is not disputed nor have I ever disputed it. Then they opened a dispute on XXXX XXXX. I never disputed it either. They also created a dispute concerning my name which has been the same since XXXX XXXX. Not changed! I have been lied to daily several times a day. The dispute department never acknowledge they made a mistake but one rep blamed the previous one and assure it would be removed. But it does not.Even with a witness to all these statements. I have been lied to I have hung up on, I have been told there is not a supervisor in the dispute department. I haven told there is no legal department. I have been stressed out and XXXX because of this. I am trying to close before I have XXXX. And I have been fighting with Experian to remove this comment for several months. Every time I call them they open a dispute instead of requesting the removal.

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