vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XX/XX/XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENTS 5. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS 6. XXXX  XXXX XXXX LATE PAYMENT Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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 2022-12-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My gift card had its balance depleted although it was in a sealed envelope in my home. I contacted AmEx Gift card XXXX to report the fraud and was told to contact the XXXX XXXX XXXX at XXXX. I did this and XXXX identified the account of the individual who used the funds. I was told that AmEx GC has to file a chargeback. AmEx GC refuses to do anything further. They won't even take my name. I want my funds issued to a new card but they will not do this. I am being pushed off on the other party with hold times in excess of 30 mins for each call. XXXX  can not reissue the card so it seems that AmEx does not want to return my funds or do anything but blame the merchant. AmEx will not do file a chargeback or file a dispute with XXXX. Please help. I am a victim of fraud but no one wants to help despite the identity of the person commiting the fraud now being known. I have no assoication with the person and have no online connection with him. Why is the victim pushed around when I helped identify the fraudlulent individual by pointing out the transactions with XXXX? This should be black and white - fraud identified and funds received. I have the card and I can verify EVERY number associated with the card to prove I am the cardholder and the one the sealed gift card was given to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I sent a letter on XXXX XXXX to remove personal information that I don't want on my credit report. The tracking numbers are XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to the Fair Credit Reporting Act 15 USC 6802, no financial institution is supposed to share my personal information to any third party people. These are clear violations of my federally protected consumer rights.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, 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:
I sent a letter on XXXX XXXX to remove personal information that I don't want on my credit report. The tracking numbers are XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to the Fair Credit Reporting Act 15 USC 6802, no financial institution is supposed to share my personal information to any third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, 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 ( FCRA ) these creditors have violated my rights for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: PA

Complaint narrative:
This is a XXXX ACCOUNT.. THEY LOCK MY ACCOUNT THST I USE FOR MEDICAL .. Money is taken from pay check. Communication XXXX., there over {$2000.00} in the account they lock up make it hard to pay for medical bills and XXXX  bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I XXXX XXXX want to submit a formal complaint against Mercedes Benz Financial. I have a leased vehicle " XXXX  XXXX XXXX  ''. On XX/XX/2022 I took the car to the XXXX XXXX dealership concerned with the way the vehicle was driving. I was advised that the engine was defective and the Cylinder head is gone, therefore I the consumer, the lessee is responsible to pay {$12000.00}. The fact that I leased the car should not make me responsible for such. It is obvious this is a manufacturing problem, hence this is a two year old vehicle. This was a failed resolution for Mercedes Benz and did not accurately diagnose the problem. The dealership absolutely attempted to extort money and create more of a financial burden. Furthermore perpetuating untrue statements about what was truly going on with the vehicle. I don't believe the dealership mechanics knew what the issue was concerning the car. 
I have been a loyal customer and don't believe this dealership is being honest about the resolution of my vehicle. 
Based on my research I believe it could be a spark plug issue not a cylinder head.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: OR

Complaint narrative:
Two purchases were made on my chime credit builder account. I contacted the merchant they have no records of any transaction being made so I contacted chime bank to file a dispute. They said they can not even start the dispute till the charges have settled and are not pending, which could take up to seven days and then they can start the dispute and choose whether to give me my money back or wait until the dispute is settled, which could take up to 90 days the charges were made fraudulently, and they are not helping me out at all they just keep telling me to wait weeks so maybe in 90 days I can get the money back that was taken out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account updated ASAP : XXXX XXXX XXXX XXXXXXXX

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation other loans not mine XXXX XXXX XXXX FCRA Violation other loans payments never late XXXX XXXX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Violation collections not mine 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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violation personal information not mine XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation other loans not mine XXXX XXXX XXXX  FCRA Violation other loans payments never late XXXX XXXX XXXX  FCRA Violation auto loan not mine XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific information in my document coming about because of the wrongdoing. The items 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 the fraud or extortion. XXXX request of you to remove the following items : XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  Inquired on XX/XX/2022. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to a stolen identity. If you can not prove that the disputed items are accurate and belonghs to me, immediately remove the disputed items from my Credit File as soon as possible.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, 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:
I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were LATE and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and late, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, 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:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and Account # XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, 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:
accordance with the Fair Credit Reporting act XXXX XXXX  # XXXXXXXX XXXX XXXX  and Account # XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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