vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: VA

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.

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Had an 18 month CD with American Express Savings Bank at a prevailing interest rate. 

Received a letter by mail notifying me that the CD had been automatically renewed on XXXX XXXX XXXX with the following terms of 1.0 %, well below market rates. Market rates are presently in the 5 % range for 18 month CDs. The letter was dated XX/XX/XXXX and arrived in my mailbox XX/XX/XXXX. I immediately called American Express and was told the grace period had expired and was unable to withdrawl without penalty. Even after spending the next two weeks ( with three additional phone calls and faxed form ) my money was still in the CD. Finally, with penalty, it was closed.

First, i have never had a CD automatically renewed at such a below market rate. To me that is a scam to enroll people into below market rates Second, to receive notification after the grace period is ridiculous and i should have been able to close the CD without penalty. 

I find American Express Bank to being engaged in deceptive and irresponsible practices. 

I have closed all my accounts and will never do business with them again, and feel i should be reimbursed the penalty of closing an account that was financially abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, the unverified and unauthorized items must be removed. 

Inquiries such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-18 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: DISCOVER BANK
State: FL

Complaint narrative:
To Whom It May Concern, I am writing this letter to formally dispute the information contained in my consumer report, as provided by your agency. After a thorough review of my report, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent. This discovery raises serious concerns as it appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party without affording me the opportunity to opt-out, as mandated by law, is a direct infringement on my privacy rights. Upon meticulous examination of the report, I observed that specific accounts are being reported without my explicit written consent. It is essential to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. I specifically refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. As of now, I have not provided such written consent, and I request documentation to substantiate my consent, thereby ensuring compliance with this legal requirement. Failure to provide evidence of my consent could be interpreted as a violation of my rights under the FCRA. I am under the belief that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft. In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within five ( 5 ) business days from the date of this letter. I emphasize my right to a fair and accurate credit reporting process, and the swift removal of this account from each credit bureau is crucial to rectifying the reported inaccuracies. Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. I anticipate your prompt attention to this matter and the resolution of my dispute within the specified timeframe of five ( 5 ) business days. Non-compliance with the provisions of the FCRA may result in further legal action. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this identity theft report in response to the derogatory remarks that Wells Fargo BANK and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with Wells Fargo Bank. However, Wells Fargo is reporting a fraudulent account to the credit reporting agencies with a balance of {$19000.00}. 
Date opened : XXXX Immediately after I noticed this account, I contacted Wells Fargo. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that Wells Fargo can remove the fraudulent and derogatory remarks they report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: OH

Complaint narrative:
My credit report dated XX/XX/XXXX, at TransUnion contains Inquiries that I never authorized, nor did I do business with these companies The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX XXXX XXXX XXXX so that I can file my taxes accordingly. This Pathways account is reporting inaccurate adverse information. Also, XXXX XXXX XXXX XXXXXXXX has taken over ownership of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The XXXX XXXX XXXX XXXX is reporting information that does not coincide with the original contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, the unverified and unauthorized items must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code 1681b ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person, rights violated due to no written authorization. PRIVACY ACT OF 1974, VIOLATION OR PRIVACYXXXX 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 explanation
Consumer complaint received 2024-02-18 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: MS

Complaint narrative:
I recently checked my credit report and noticed some inaccurate accounts reported and hard inquiries that I am not aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: MS

Complaint narrative:
I recently checked my credit report and noticed some inaccurate accounts reported and hard inquiries that I am not aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft I need you to delete this erroneous account at once please I didn't ever give written permission for any credit reporting agency the right to report this account please provide you with the proof that I gave you written instructions to report negative items on my consumer report I didn't give you written permission to do thats defaming my character its slandering my name you making me look like a bad person that I don't pay my bills that's actual damages this is defamation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: VA

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.

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: VA

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.

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: OH

Complaint narrative:
My credit report dated XX/XX/XXXX, at TransUnion contains Inquiries that I never authorized, nor did I do business with these companies The following inquiries were not authorized by me : XXXX XXXX XXXX XXXXXX/XX/XXXX ; CXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX  XXXX XXXX XXXX so that I can file my taxes accordingly. This Pathways account is reporting inaccurate adverse information. Also, US DEPT OF ED/XXXX has taken over ownership of account # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: OH

Complaint narrative:
My credit report dated XX/XX/XXXX, at TransUnion contains Inquiries that I never authorized, nor did I do business with these companies The following inquiries were not authorized by me : XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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/XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX that I can file my taxes accordingly. This XXXX  account is reporting inaccurate adverse information. Also, US DEPT OF EDXXXX has taken over ownership of account # XXXX, # XXXX, and # XXXX from XXXX XXXX the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: KY

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  have Violated My Rights : Account Number : XXXX 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 an 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. 

Attached below are the documents submitted showing the filing of the report. The Credit Bureau 's have not addressed the fraudulent account opened with XXXX on XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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.
State: GA

Complaint narrative:
Dear CFPB, This letter is in regards to the errors in my credit ATTENTION : EQUIFAX XXXX XXXX I received notice from my broker while applying for a home loan that my consumer report is showing that I am an Authorized signer for a XXXX XXXX  XXXX XXXX that has a debt amount for {$3.00}, XXXX. I have no recollection of being a signer for this Bank Card nor do I have any accounts with this company. In my attempt to rectify this issue, I found the phone number of the bank and asked to speak with a representative. I was told that I was not listed in their system as a signer nor do I have an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: MD

Complaint narrative:
This company is reporting a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Improper use of privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: UPGRADE, INC.
State: NY

Complaint narrative:
Improper use of privacy

Company response to consumer: Closed with explanation