vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: 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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX, XXXX, MI, XXXX Telephone number : XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my XXXX XXXX report : XXXX the victim of identity theft and I dont recognize XXXX or more of the inquiries on my report. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

I appreciate your prompt attention to this matter, and await your reply. 

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX, XXXX, MI, XXXX Telephone number : XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my XXXX consumer report : Im the victim of identity theft and I dont recognize one or more of the inquiries on my report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

I appreciate your prompt attention to this matter, and await your reply. 

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 non-monetary relief
Consumer complaint received 2024-01-17 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: TN

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.

has violated my rights. Or a 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 2024-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Oasis Legal Finance Holding Company, LLC
State: NM

Complaint narrative:
As of XX/XX/XXXXXXXX XXXX XXXX  the company admits in exchanges on the XXXX XXXX XXXX website to being in breach of our original contract and admits to improperly classifying my case as a simple wrongful termination rather than a complex combination of wrongful termination, personal injury, and XXXX harassment that has resulted in two years of ongoing medical treatment and me being unable to work reliably. Despite refusing since XX/XX/XXXXXXXX XXXX  to provide the remaining XXXX they promised to disperse 30 days after the initial XXXX installment in XX/XX/XXXXXXXX XXXX they also refuse to release me from their contract and admit to interfering in other settlement advance companies attempts to create a contract with me by requiring a buyout.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, we purchased for a total of {$30000.00} worth of XXXX XXXX prepaid ( {$500.00} and {$1000.00} values ) cards as gifts to our employees. I kept several for myself. We bought it from XXXX and the link where these cards offered is XXXX XXXX XXXX XXXX XXXX XXXX 
I had unauthorized charges on two cards. 
I activated two cards ( for {$500.00} and for {$1000.00} ), by calling the number on it on XXXX XXXX or XXXX and then using the {$500.00} card, I made an online purchase for {$97.00} on XX/XX/2023. When I tried using the same card on a different vendor within the next few days, it was declined. Then I logged on to see its balance and apparently there were two additional charges were made by vendors I never heard of, and it was spent to the exact XXXX  of its balance left ( {$400.00} ) after my purchase. First charge was made on XX/XX/2023 for {$190.00}, and the second on XX/XX/2023 for {$200.00}. I called XXXX number and disputed the charges and they opened up a case. Today, I received an email from company called INCOMM ( www.incomm.com  ), saying my dispute was denied. Before this denial email, I had also called XXXX XXXX Credit Card customer service number since we paid for these gift cards with our XXXX Credit card. I explained them our issue but they said they can not help us and we have to deal with XXXX. 
The second card ( {$1000.00} ) I had activated, apparently was spent to the penny before I can even use it. So I had also opened a case for that as well but did not hear back about that case yet. We feel that this is a very big scam. Somebody, somehow can now the exact balance of your card and possibly making fraudulent charges to the exact balance on the cards once they are activated on the phone. I am attaching the Statement ( with an image of the card ) of the {$500.00} card with XXXX charges on it. And only the {$97.00} is authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I pulled my 3 Bureau credit report and noticed an incorrect name on my report. After investigating, I noticed that the incorrect name was displayed on my JCPenney bills and statements. I then determined the incorrect name on all 3 bureau credit reports derived from my JCPenney account. 
On XX/XX/XXXX, I reported the error to JCPenney by requesting an investigation. They then stated that i would only be able to file and Identity Theft claim to correct the information. Although the case was not necessarily Identity theft is was an incorrect error on their part. They opened the claim on XX/XX/XXXX using claim number XXXX. After 60 days nothing was corrected by JCPenney. I then sent a dispute to the three credit bureaus and also to JCPenney on XX/XX/XXXX. After now 30 days, JCPenney has flagged my account and changed the comments to " Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were removed from this account : Consumer disputes - reinvestigation in progress Consumer disputes this account information. 
Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to this account : Consumer disputes - reinvestigation in progress. 

This dropped my credit score XXXX XXXX I sent JCPenney a copy of my Identification which shows a clear spelling of my Government Name ( enclosed in this file ) On XX/XX/XXXX I received a letter from JCPenney addressed to the incorrect name stating that my claim to correct my name was denied. 

They stated the claim was denied because i benefited from the card. I am fully aware of that but that does not negate the fact that this account is in violation of FCRA Rule 623 that says : Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

JCPenney has violated my rights and if this account is not removed from my credit reports then I will be filing a lawsuit in 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/year> I received a letter stating that my new AAA Visa from Comenity was under security review and I had to submit several documents verifying my identity. That same day, I submitted a copy of my electric bill, the front and back of my drivers license, and the front and back of my signed social security card, which satisfied the criteria that Comenity was requesting. Today I received a letter stating that the account has been permanently closed due to continued security concerns, but did not provide any additional information. After calling Comenity, I was originally told that the documents I submitted did not meet guidelines. I asked to speak to somebody who could give me further information as to what guidelines were not met, as I was very careful when I submitted everything to ensure that it met the criteria that had been outlined. I was transferred and spoke to a representative named XXXX who, after being put on hold for about 10 minutes, came back and stated that he also could not find any additional information, just that there were continued security concerns, and he was also unable to provide me with any contact information to reach out to get any further information. 

After research, it appears that this is not an uncommon thing to happen to people who attempt to add the virtual card to their XXXX XXXX, which I had attempted to do at the prompting of Comenity once I got the approval notification. However the card itself was never used, so there were no purchases that could prompt a security review. Additionally, the phone number that the verification text was sent to is the phone number provided on my application, as well as the phone number I have on record with several other Comenity accounts that I actively have and have never had issue with. 

At this point, I would either like the card to be reinstated, or else the history of the inquiry and the card to be removed from my credit report. I have a hit not only for an inquiry, but I also now have a card that has shown as open for less than a month, which significantly impacts the age of my credit accounts. I would also like additional information on what prompted my card as a security concern so that I can ensure it does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a 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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX there was a charge to my Citi card for {$74.00} and I immediately notified Citi of the charge. I was told to not worry, and that they ( Citi ) will take it off my account. Two days later, XX/XX/scrub>XXXX  another charge for {$59.00} was charged to my account. And again I called Citi and notified them, and again I was told to not worry, they will take it off my account. One month later, I was billed for the charges I had called them ( Citi ) about. And I was told I am responsible for those charges. Citi gave me the name of the company making the charges to my account ; XXXX XXXXXXXX XXXX. I explained to Citi that I do not know the company and I don't know how they got my card information, and I did not receive any package from XXXXXXXX XXXX XXXX. 

I ordered a XXXX XXXX from XXXX XXXX XXXX and it is suppose to a free gift from XXXX. When I was billed {$74.00}, I contacted XXXX, and they ( XXXX  ) said the email was not from them. I did receive the XXXX XXXX which I immediately return to sender without even opening to know the content. 

I have explained all these to Citi, I even wrote letters to Citi. They simply ignored all my letters and insist I pay for the fraudulent charges on my account. 

Please I need your help.

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 2024-01-17 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: OH

Complaint narrative:
Per the F.C.R.A as a federally protected consumer I am now opting out any and all authorizations I the consumer may have given you written and unwritten verbal and nonverbal per 15 USC 6802. I also am opting out any and all authorizations given to report to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: OH

Complaint narrative:
Per the F.C.R.A as a federally protected consumer I am now opting out any and all authorizations I the consumer may have given you written and unwritten verbal and nonverbal per 15 USC 6802. I also am opting out any and all authorizations given to report to a third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
I made a payment on my credit card, and I just realize they did not give me the service I pay for, so I contact Amex they say they can't do the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent several disputes trying to get this info. Resurgent refuses to provide the credit card agreement that i would have been provided when applying for this card. They also will not send over the written application with my signature as the original creditor couldn't get this either. When i originally reported this identity theft to them, they closed the account and removed from my credit then i guess sold this to Resurgent. This account is fraudulent and is on my credit. I want the documents proving this is my debt ( as they don't exist ) so that i may file a claim/police report for this and need those documents. If they can not supply, this needs to be closed and removed from my report. If they can, i can file my identity theft claim and police report and can supply this to get this closed and removed. I had several accounts in XXXX  that were opened in my name and this is the last one i have been trying to get taken care of. Resurgent has refused to supply the documents required to validate. Not to mention, i was never given the 30 days of dunning to dispute originally or i would have disputed at the very beginning!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am bringing to your attention a non-compliance issue with the Fair Credit Reporting Act ( FCRA ) concerning Experian 's reporting of an account linked to my XXXXXXXX XXXX account ( Account Number : XXXX ). After disputing the account due to concerns of fraudulent activity, I requested proof of the dispute resolution, specifically a scanned copy of a XXXX tracking number associated with the correspondence. Experian has consistently failed to provide this crucial information despite repeated requests. Additionally, there is evidence of further non-compliance as Experian received a second round of dispute letters on XX/XX/XXXX, responding on XX/XX/XXXX, surpassing the mandated 30-day period. I strongly believe Experian 's actions violate FCRA guidelines and have submitted this request to the Consumer Financial Protection Bureau ( CFPB ) to provide evidence of the timeline discrepancy.

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