vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: IL

Complaint narrative:
I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. XXXX : XXXX days late XX/XX/2023 & XXXX XXXX XXXX days late. 
Experian : XXXX days late XX/XX/2023 and XXXX XXXX XXXX days late. 
XXXX : XXXX XXXX XXXX days late and XXXX XXXX XXXX days late, XXXX XXXX XXXX  days Late and XXXX XXXX XXXX days late.

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 2024-04-10 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: MI

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it.

Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that EQUIFAX is in violation of 15 U.S. Code 1681b ( a ) ( XXXX ). EQUIFAX did not remove the following accounts in accordance with the written instructions of the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-10 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2024-04-10 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 Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-04-10 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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-04-10 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: IL

Complaint narrative:
Did not consent to unauthorized inquiries the inquiry was not authorized. 
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 2024-04-10 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: 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 Account Number : XXXX Account Name : XXXX   XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-04-10 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: IL

Complaint narrative:
I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 
XXXX : 30 days late XX/XX/2022 & XXXX XXXX 60 days late. Experian : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. XXXX : XXXX XXXX 30 days late and XXXX  60 days late.

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 2024-04-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I purchased an American Express gift card at the store. And I have been trying to use it, but every time I do. It is declined except for on XXXX XXXX. It charged me XXXX cents, but it also declined my purchase. And I can not use this card anywhere. It is not working at all. But it says it's active and there's money on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-10 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: IL

Complaint narrative:
Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXXXXXX XXXX XXXXXX/XX/2023 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 2024-04-10 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 Account Number : XXXX Account Name : UNKNOWN ACCOUNT Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-04-10 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: NH

Complaint narrative:
It has come to my attention that accounts accompanied by an FTC report are not being removed, despite this being mandated under FCRA section 605b. Should the accounts listed below, which are inaccurately reported due to fraudulent activity, not be removed, I am prepared to initiate legal proceedings through my attorney. My preference is to avoid legal action, so I urge compliance with the law. The accounts in question, opened fraudulently without my consent or knowledge, include : XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX. If these accounts are claimed to be accurate and verifiable, I request copies of any related documentation bearing my signature, which I believe does not exist. Without such documentation, I formally request the immediate deletion of this information from my credit file. For your reference, my new FTC number is # 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 2024-04-10 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: MI

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it. 

Whereas, I of age, of majority, give this herein notice to all, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that EQUIFAX is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). EQUIFAX did not remove the following accounts in accordance with the written instructions of the consumer : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: MI

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it. 

Whereas, I of age, of majority, give this herein notice to all, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that EQUIFAX is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). EQUIFAX did not remove the following accounts in accordance with the written instructions of the consumer : XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief