vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights.This account is inaccurate and needs to be deleted off my credit report. The last active XX/XX/XXXX date does not match last reported date XX/XX/XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. The last active date XX/XX/XXXX does not match last reporting date XX/XX/XXXX. A collection account can not report as open account. 

XXXX Account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date of last payment XX/XX/XXXX is 3 months different than date of last active date on account XXXX SHOWS WRONG ACCOUNT NUMBER XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. It shows no monthly payment no past due balance no date of last payment. 

XXXX XXXX account # XXXX has violated my rights.This account is inaccurate and needs to be deleted. The account number is inaccurate on report # XXXXAlso shows no past due amount. 

XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. No date of last payment or past due reported. 

XXXX XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date has no last payment or past due. 

The following addresses are inaccurate and need to be deleted from my credit report XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries has violated my rights and are inaccurate. Needs to be deleted from credit report : XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX collection has violated my rights.This account is inaccurate and needs to be deleted off my credit report. The last active XX/XX/XXXX date does not match last reported date XX/XX/XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. The last active date XX/XX/XXXX does not match last reporting date XX/XX/XXXX. A collection account can not report as open account. 

XXXX Account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date of last payment XX/XX/XXXX is 3 months different than date of last active date on account XXXXALSO SHOWS WRONG ACCOUNT NUMBER XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. It shows no monthly payment no past due balance no date of last payment. 

XXXX XXXX account # XXXX has violated my rights.This account is inaccurate and needs to be deleted. The account number is inaccurate on report # XXXX shows no past due amount. 

XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. No date of last payment or past due reported. 

XXXX XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date has no last payment or past due. 

The following addresses are inaccurate and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following inquiries has violated my rights and are inaccurate. Needs to be deleted from credit report : XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Credit Card offers Chase Offers on their credit cards as a Cash Back incentive to spend money. You have to tap or click on the promotions which gives you a green check mark on it. You have to use that particular credit card. Then you make a transaction with the retailer offering that promotion. 

I have the Chase XXXX card which contains an annual fee of {$95.00}. I tapped on the XXXX XXXX  and XXXX XXXX Chase Offer promotion before making the transaction. It expires on XX/XX/2022. " See full offer details & terms below '' " Earn 15 % back on your XXXX XXXX stay when you spend {$100.00} or more, with a {$38.00} back maximum ''. On XX/XX/2022, I approved XXXX charging my Chase XXXX XXXX {$240.00} for one night at XXXX XXXX and another night at XXXX XXXX. I should receive {$76.00} cash back. I made the transaction before the promo expired. 

First attempt, they said that I didn't activate the promotion. I did and shared screen shots as proof. Later, they responded saying the back office marketing team doesn't approve this promotion. 

Second attempt on XXXX, I told them that I uploaded valid proof of the issue. Before making this charge of this promotion is confirmed. They said they have no record of this call and only record of another dispute matter. They told me that they can put in another request but doesn't guarantee any outcomes. I spoke with Chase Credit Cards supervisor and can't go any further than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TN

Complaint narrative:
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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- CAPITAL ONE WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TN

Complaint narrative:
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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE 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 2022-10-03 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: 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 Account Name XXXX XXXX XXXX  # XXXX, Account Name - XXXX XXXXXXXX XXXX  # XXXX, Account Name - XXXX XXXX  # XXXX, Account Name - XXXX XXXX XXXX  XXXX  # XXXX, Account Name - XXXX  / XXXX XXXX # XXXX, Account Name - XXXX 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.

15 U.S.C 1681c. ( a5 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 an 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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist Bank in XXXX, SC cashed thirteen forged checks on XXXX, XXXX  totaling {$6100.00} from my checking account. Then they cashed another one for {$3400.00} on XX/XX/2022, putting my acct into overdraft ( which I had never used before ). It was obvious that the signatures on the checks were not mine. The checks were very old BB & T checks stolen from a closed compartment in my locked car in my driveway of my house on my property during the night, along with several neighbors who were also robbed. I went to bank and reported the problem XX/XX/2022 after I saw my bank statement. I filed a police report with XXXX Police the same day. I was reassured by the bank employee that I would be reimbursed, but it might take some time. 
The police detective became frustrated with the bank for not cooperating with their investigation and subpoenaed the bank. On XX/XX/2022 I received a letter from Truist Fraud Claims saying that because of my negligence in safeguarding my checks, Truist denies my claims for reimbursement. I asked for a review and received the same denial letter XX/XX/2022. Truist said they were trying to recover my funds, then later said they could not because the thief used a XXXX XXXX They denied responsibility for not recognizing forged signature and cashing all 14 checks because of the XXXX XXXX also. 
Now I am told that they can not recover the funds or trace the money. But I can wait 180 days and see if something comes up! 
Bank manager at Truist said they often deny claims because their guidelines are different from other banks. Police detective said he has never seen a bank deny reimbursement on an obvious fraud claim. {$9500.00} is a lot of money and more than I had in my account. I am now having to make payments on the overdraft account! 
Please help me. I am XXXX years old with an adopted XXXX year old, retired, living on my social security and dwindling savings.

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 2022-10-03 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: AZ

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


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



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 2022-10-03 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: AZ

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


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



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 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I started receiving emails from the company UPGRADE saying that I was just steps away from receiving {$3500.00}. Stating this is a reminder that we still need the following items so we can finish the final review of your loan : Bank Statement or Voided Check The problem is, I have never contacted, emailed, submitted anything online or anything, period, to UPGRADE at any time. I have enough credit and credit cards and have no need for anything of this nature. 

I called UPGRADE on XX/XX/2022, at XXXX XXXX. The representative had all my information, DOB, SSN, Address, Phone Number, and email address. I have never provided this company with any of that information. Especially my DOB or SSN. I asked how they got my information and the representative tried to put it off on me, that I must have gone online or was a member of XXXX XXXX. 

The company, UPGRADE, has obtained my personal financial information and personal identity without my permission. This is FRAUD in the making. This is an unacceptable business practice, and illegal. 

I am filing a formal complaint to you, the XXXX and the CFPB, on UPGRADE, as I want this investigated and the appropriate measures taken. This is identity theft!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX this account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX this account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Numerous times I have contacted Comenity to get assistance in restoring my online access as I have been locked out. All the agents do is send me a generic link to the main page and tell me to log into my accountas if I havent already done that twenty times before. Its been two months of me attempting to contact them to restore my access and all I get is the run around. Now I have no access to my statements and keep getting late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: FL

Complaint narrative:
Complaint US BANK SECTION 1 : US BANK claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put US BANK on notice. 

I gave US BANK an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXXXXXX XXXX XXXX XXXX XXXX aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. US BANK never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).

SECTION 2 : US BANK has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. US BANK admit that I am the original creditor and source of the credit being utilized. 

XXXX. US BANK leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. US BANK reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. US BANK pay for all fees and fines associated with this matter. 

XXXX. US BANK pays me {>= $1,000,000} in damages. 

XXXX. US BANK is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.

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