vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. 

This organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of their agency. This is because I did not provide written consent for them to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: DISCOVER BANK
State: MS

Complaint narrative:
XXXX XXXX- {$1800.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. Discover Bank- {$8700.00} XX/XX/year>, sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX XXXX XXXX {$5000.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. 
XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NJ

Complaint narrative:
I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file. 

This situation has caused significant harm to my financial well-being, and I request your prompt action to correct this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-04 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: IN

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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 A SECTION 2 : it also states a consumer reporting agency connot furnish 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 2024-09-04 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express accounts were somehow accessed and used by a third party without my knowledge or approval while I was dealing with a serious illness and not able to fully focus on my finances. The accounts became past-due without my knowledge, and Ive gone back and forth with the various companies where my cards were used. The largest charges came from one company and after reaching out to them they agreed to refund all the charges and mark them as fraud as well as have their credit card processorXXXX XXXX send me receipts of the refunds. I did in fact receive these refund receipts from XXXX, but this has now been months since the first refund request and no further communication or refunds have come. I reviewed both my American Express XXXX XXXX XXXX card and my XXXX XXXX American Express charge card and found several other charges that werent authorized by me. I went through each charge and found that all charges not completed with the physical card were fraudulent. All charges that werent either swiped or completed with tap to pay were not authorized by me and should be taken off my account balance. I have attached copies of the refund receipts to this complaint. My XXXX XXXX XXXX XXXX ends in XXXX and my XXXX XXXX card ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted this company to let them know that I do not owe any money to them. This information is an error.

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 2024-09-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/year>

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 2024-09-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/year>

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 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/year> {$4100.00} Jefferson capital XXXX XXXX XXXX I never had a XXXX account, this company is under litigation for data breach .My information has been compromised.Please remove this account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. This organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of their agency. This is because I did not provide written consent for them to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).

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 2024-09-04 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: IN

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 A SECTION 2 : it also states a consumer reporting agency connot furnish 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 2024-09-04 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: IN

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 A SECTION 2 : it also states a consumer reporting agency connot furnish 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 2024-09-04 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.

Complaint narrative:
This is my numerous requests to tell you that I am a XXXX XXXX XXXX XXXX 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2024-09-04 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.

Complaint narrative:
This is my numerous requests to tell you that I am a XXXX XXXX XXXX XXXX  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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I was contacted by someone on XXXX who introduced me to crypto.com and XXXX trading. They guided me through a series of transactions, starting with depositing money into my bank account. I was then instructed to purchase crypto.com assets, transfer the funds to a bank account they provided, buy bitcoins, convert them into XXXX, and deposit the funds into a XXXX XXXX for trading or betting purposes. 

They continuously urged me to deposit more funds, promising higher returns. Unfortunately, after investing approximately {$31000.00} ( plus bank fees ), they disappeared, leaving me with {$29000.00} in debt. 

I have already reached out to crypto.com to raise my concerns, but my request for assistance was denied. I am now seeking your help in this matter. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NJ

Complaint narrative:
I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file. 

This situation has caused significant harm to my financial well-being, and I request your prompt action to correct this matter.

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 2024-09-04 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: NJ

Complaint narrative:
I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file. 

This situation has caused significant harm to my financial well-being, and I request your prompt action to correct this matter.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 % accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of the counts being deleted otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are 100 % incorrect and I demand them to be REMOVED immediately

Company response to consumer: Closed with non-monetary relief