vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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:
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, {$32000.00} XXXX XXXX XXXX XXXX : XXXX, {$32000.00} XXXX XXXX XXXX XXXX : XXXX, {$32000.00} 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.

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. 



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 Acct # 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 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 explanation
Consumer complaint received 2024-02-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : XXXX I have disputed this multiple time an provided proof this is not my account an also these Credit Inquiries XXXX XXXX , XXXX, XXXX XXXX XXXX I never applied or inquired about these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This debt company seems to either change names several times or has sold and resold this debt. When I previously contacted them, they could not verify any information related to the debtor or the debt. The dates update with each acquisition of the debt or transfer of the debt ( {$530.00} ). This can not be verified and must be removed from my credit report. I emailed them to discharge this debt if they could not verify the debt in early 2023 and they refused. I am again requesting they verify the debt and the details, therein or discharge the debt and remove it from credit reporting. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Tried to get my free credit report from Experian several times within the last month and could not gain access. 

Tried to obtain my free Experian credit report through XXXX and could not gain access to it. 

Experian requested that I created an account, which I created with my email address XXXX as the username. But everything I tried going to the next step error message states : Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. 
Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT, All I want is to obtain my credit report online. 

I called XXXX only to be told wait 72 hours and called back, because system lock file. ; I call back XXXX three days later and the automated system would not connect me with a live person. 

Felt that the automated telephone system purposely had me going through different prompts that prevented me from speaking to a live person. 

As of today, I dont have access online with Experian to get my free credit report or to file a dispute.

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 2024-02-24 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:
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 : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was stuck at work XXXX my son was the last kid to leave school that day.. Citibank blocked my account said multiple suspicious activity was going on my account nobody contacted me or emailed me or asked me for proof nothing just hold my money and work check from XXXX to XX/XX/XXXX they were taking money out of my account without my acknowledgement nor did I give permission to do so we now in the end of XXXX me and my son are homeless and sometimes no food to eat for the day because of this they failed to tell me the reason but tell strangers my personal information about my account and they hung up on me refusing me a supervisor at this point I feel like thats very XXXX behavior especially when a business cant show you proof of something they are holding my money XXXX  for is ridiculous and now we going in XXXX yet no one contacted me about 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 monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
My information was stolen and my account was used for fraudulent charges. I disputed them. Was refunded than the redacted the refunds. Now my deposits never line up and my available balance keeps lowering. They are XXXX. Key bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 2024-02-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 2024-02-24 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2024-02-24 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:
I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or any affiliation with. I have contacted all XXXX credit bureaus and requested verification of these accounts with no formal response. 

I have the right to privacy and have not given any written consent for this information to be reported to my profile which is in violation of 15 USC 1681 Furnishing accounts to my credit report that are a result of identity theft is in violation of 15 USC 1681 C-2 I requested that all fraudulent addresses be removed from profile to prevent fraud accounts being added to my profile under my identity. The information is impacting my credit negatively.

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 2024-02-24 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: OH

Complaint narrative:
I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or any affiliation with. I have contacted all XXXX credit bureaus and requested verification of these accounts with no formal response. 

I have the right to privacy and have not given any written consent for this information to be reported to my profile which is in violation of 15 USC 1681 Furnishing accounts to my credit report that are a result of identity theft is in violation of 15 USC 1681 C-2 I requested that all fraudulent addresses be removed from profile to prevent fraud accounts being added to my profile under my identity. The information is impacting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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:
Checked my credit report and XXXX XXXX XXXX has put XXXX tradelines on my credit report. Each entry states balance of {$1000.00} and the other of {$990.00}. These accounts were opened on the same date of XX/XX/2022 and closed on XX/XX/2022. I have never had a XXXX account. The accounts need to be deleted immediately. I have also reported to the FTC as fraudulent accounts.

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 2024-02-25 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: FL

Complaint narrative:
Checked my credit report and XXXX XXXX XXXX has put XXXX tradelines on my credit report. Each entry states balance of {$1000.00} and the other of {$990.00}. These accounts were opened on the same date of XX/XX/2022 and closed on XX/XX/2022. I have never had a XXXX account. The accounts need to be deleted immediately. I have also reported to the FTC as fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: FL

Complaint narrative:
Checked my credit report and XXXX XXXX XXXX has put XXXX tradelines on my credit report. Each entry states balance of {$1000.00} and the other of {$990.00}. These accounts were opened on the same date of XX/XX/2022 and closed on XX/XX/2022. I have never had a XXXX account. The accounts need to be deleted immediately. I have also reported to the FTC as fraudulent accounts.

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 2024-02-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
I have an American Express Bluebird Account which is solely used as a direct deposit account for my monthly XXXX XXXX benefits. On XX/XX/XXXX, I received XXXX emails from American Express, the first XXXX stating that my account was temporarily locked, and immediately after that, another email stating that was account was suspended supposedly because of a violation of the Bluebird Member Agreement Section 22D. I immediately called Customer Service at the number listed on the back of the card, and was told that there was some type of attempted deposit of {$80.00} ( approximate amount as I can not remember the actual amount ), which was in violation of their policies. However, I have had this card for over 5 years now, and there has never been a deposit into that account except by XXXX XXXX. I have never authorized any other type of deposit, and I don't even know how to do that even if I wanted to. I informed the Customer Service rep of this, and she stated that she would " escalate the issue with Account Protection Services. '' Since that phone call, I have not had any response from anyone at American Express. No phone call, no letter, no email. I still receive weekly balance notices, and the current balance as of XX/XX/XXXX is {$180.00}, which is exactly what it should be with my monthly XXXX XXXX deposit for XXXX, and the cash withdrawals and authorized bill payments. There is no evidence of any type of additonal deposits on that account, which was also verified by the customer service rep. As this represents my only income, I was unable to purchase groceries these past XXXX weeks. At this point, all I want is for them to contact me and issue me a check in the amount of {$180.00} which is my current balance. I have made arrangements with XXXX XXXX to direct deposit the XX/XX/2024 payment into a newly opened checking account here at a local bank, so I will end my relationship with American Express. However, I am in dire need of my money, and I don't quite understand how a bank can just unilaterally close a person 's account, restricting them from their own money, especially without a phone call with an explanation as to why, and when I can expect my remaining balance to be sent to me. Anything you can do to help me would be greatly appreciated. Thank you!

Company response to consumer: Closed with non-monetary relief