vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I requested a legal name change on American Express credit card on about XX/XX/, and it was not process because I was told I requested the name change on an old closed account, which is not even shown inside of my online account. After I received a mail around XXXX XXXX XXXX I put a new online request withe the same new Driver 's License. And it turned out they did not receive my second online request. To be safe, I mailed a signed name change form along with my new driver 's license, my new social security card and my name change court decree to American Express around XXXX XXXX XXXX. After I learned they didn't receive my second online request today on XX/XX/, I put a third online request, suggested by the customer service and uploaded my new driver 's license, my new social security card and my name change court decree. I still do not understand I only have one active American Express card, and only One card shown inside my online account, how come could I requested a name change on an old card closed a year ago. On the third request, I screenshotted the confirmation as attached, it's definitely requested on my current active card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to formally dispute and request the removal of late payment entries on my credit report associated with the XXXX XXXX account, which opened on XX/XX/XXXX, with an outstanding balance of {$690.00}. The specific late date entries I am disputing occurred from XXXX XXXX XXXX XXXX XXXX I have been in contact with XXXX XXXXXXXX regarding this matter, and they have acknowledged that an error was made in their statements during that period. Consequently, they have agreed to rectify the situation and remove the inaccuracies from their records. I am seeking your assistance in updating my credit report to reflect the corrected information and remove the aforementioned late dates. This adjustment is crucial for maintaining the accuracy of my credit history and overall financial standing. I appreciate your prompt attention to this matter and request that you notify me in writing once these corrections have been made to 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 2023-12-27 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: FL

Complaint narrative:
I have consistently disputed the inaccuracies in the provided information with XXXX and TransUnion ; regrettably, the matter remains unresolved to date. The items listed do not pertain to me and are a consequence of unauthorized fraud that I did not authorize. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Tried to use the card and it gets declined. Called Amex over the issue and they said just use the card elsewhere, but it doesn't work anywhere. Customer service was unwilling to help. 

XXXX indicates this issue is widespread, Amex is selling broken cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
They allowed these people to take over my My screen walk me through stuff because I thought that they were a chime agent then they drained my account and hung up. They got all my info I caught on to it within min I called chime and they aye not doing mouthing haven't even reached out to this thievery person. They are intercepting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: MN

Complaint narrative:
I disputed a collection account. Experian did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. Experian is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' Experian does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent Experian in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' Experian never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Experian is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of XXXX XXXX XXXX  reporting to my consumer 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 non-monetary relief
Consumer complaint received 2023-12-27 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: MA

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 : Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX 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.

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 2023-12-27 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: MA

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 Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX 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.

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 2023-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a {$40.00} XXXX XXXX XXXX XXXX  ( Activation fee was {$4.00} ) as a XXXX gift. Card was purchased at XXXX on XX/XX/23. I have the receipt. I tried to use it on XX/XX/23 it was declined. Attempted to activate the card by calling XXXX at ( XXXX ) XXXX ; system did not recognize the gift card. I called ( XXXX ) XXXX, I was on hold for about XXXX minutes. Finally spoke with a customer service rep by the name of XXXX, I told her what had happened. She asked me to provide her with the Gift Card number, the expiration date & the security code as well as the XXXX ID number that began with a XXXX. She got back to me & stated that the gift card was not in the system. I asked her what was my next step. She told me that I WOULD NEED TO GIVE HER MY PERSONAL ID INFORMATION & the original receipt. I told her that I was not stupid to provide her with my personal information. I asked her where she was located ; she told me So. XXXX. Asked her the name of the company where she worked. She told me INCOMM CREDIT CARD SERVICES. I then went to XXXX where the gift card was purchased ; unfortunately, they were unable to do anything. I called back a XXXX time on XX/XX/23 and spoke with rep XXXX. He told me that I would need to mail a copy of my driver 's license. He gave me incident # XXXX. I want to understand. why does another country want my XXXX? That is personal information & if provided could cause potential fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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 writing to bring to your attention a matter of serious concern regarding my personal information and credit report, which involves violations of MULTIPLE provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. 
TransUnion is a for-profit company, and while you are regulated by the law, you are not a government entity. You are getting paid to collect and store NPI ( non-public personal information ) which is racketeering and identity theft. I have NOT authorized TransUnion to collect any information on behalf of my estate, XXXX XXXX XXXX. Please furnish any agreement stating otherwise. XXXX, as defined by XXXX XXXX XXXX, a pattern of illegal activity carried out as part of an enterprise that is owned or controlled by those engaged in the illegal activity. 
Having a subscription or a fee to obtain NPI to be used in any manner unauthorized by the man or woman is illegal. You are a non-affiliated third party who then provides information to another non affiliated third party. Section 502 ( c ) of the GLB Act strictly limits the reuse of information, that of which you are again in clear violation of. 

15 USC 1681a emphasizes the importance of maintaining accurate and up-to-date credit information to promote fair lending practices and protect consumers ' rights. INCORRECT SPELLING OF MY NAME, ADDRESS, CHARGED OFF ACCOUNTS, LATE PAYMENTS, AND MUTIPLE HARD AND SOFT INQUIRIES. I did NOT complete a Social Security Administration Form XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. Any violation of this act can result in severe penalties under 15 USC 1681n, which includes statutory damages. Invoice is attached.

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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XXXX XX/XX/2023, I was the victim of Identity Theft of my personal information and banking information of my Bank Account at USAA. From XXXX XXXX to XXXX XX/XX/2023, an unknown person impersonated as a USAA Customer Service Representative and armed with extensive knowledge of USAA 's Security Procedures was able to obtain my entire debt card information including XXXX security code and XXXX ( XXXX ) digit pin along with answers to my security questions. They contacted me using the actual USAA XXXX number that their contact center uses and proceeded to deposit multiple fraudulent checks of {$4500.00} in my account and then withdraw it quickly with a newly created account from XXXX XXXX XXXX  they made with my stolen debt card information which occurred within a 3 day span. USAA has determined that I was held responsible for the fraudulent transactions in my account after I requested XXXX investigative reviews, a representative from their fraud department to contact me so I could pass on information to help find the scammers, spoke with a spokesman for the company 's CEO 's Office and Executive Committee Three times and was assured a fraud department representative would call me to discuss the matter on XXXX XX/XX/2023 which did not happen. I was not initial instructed on how to go about disputing the fraud charges until I spoke with the XXXX  customer service representative days afterwards who actually helped and they froze my main joint bank account I've have with my wife and the end of the month VA XXXX pension funds I needed to pay for my family 's housing, food and utilities Until I pay the negative balance created from the fraudulent transactions I didn't commit. Note : I've been a member of USAA for XXXX  years, Banking with them for almost XXXX  years and I'm a XXXX  XXXX XXXX  Veteran and XXXX  XXXX  XXXX  XXXX. Never done anything illegal nor attempted to as a customer yet they still are holding me accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I have consistently contacted the company pertaining to the matter at hand. They have continued to using threatening tactics and even have stated that they do not and will not remove the debt thats not mine. I do not of the vendor that has hired the company nor where is it even located as I have never even been in the State of reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: SC

Complaint narrative:
Experian, the reporting agency unlawfully used principal 's personal identifying information in an unauthorized way, by committing fraud and misrepresenting principal 's intent without principal 's consent. Experian fraudulently placed the following " personal statement '' on principal 's credit report, claiming to be the principal, without the consent and authorization from principal or agent for principal, and without attempting to obtain such consent and authorization from the principal or the agent for the principal : " PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR XXXX  YEAR BEGINNING XXXX. '' This is an unlawful and gross unauthorized use of personal identifying information, in what I believe to be a long going series of discriminatory, fraudulent, false, deceptive and misleading business practices as well as privacy crimes, in order to negatively effect the principal in question 's free exercise of his rights in commerce, and to unjustly gain from keeping a certain demographic of consumers in lower scores than should actually reflect by using these said unlawful practices. 

The principal had recently notified the CFPB and reporting agencies of unauthorized inquiries on the principal 's credit report. In what I believe to be discriminatory retaliation, and what I know to be fraud, and unauthorized use of PII, instead of Experian immediately removing the unauthorized inquiry, Experian, fraudulently placed a fraud alert on the principal 's credit report without the principal 's or the principal 's agent 's consent, and wrote it from the vantage point as if the principal wrote it, and disclosed further personal identifying information of the principal without the principal 's consent. This fraud upon the principal is clear, and the fact that, Experian, did not remove the unauthorized inquiries yet, as of this notice, is further prime facie evidence deceptive practices, showing they are quicker to do an unlawful and fraudulent act, before they carry out their fiduciary duty to protect consumer 's privacy, and conduct business strictly within the intentions of the United States of America Congress Assembled, outlined in the provisions of the Fair Credit Reporting Act, and other applicable enacted statutes and regulations. 

This notice will stand as an addition to the record of the ongoing series of discriminatory events regarding Experian, and other reporting agencies involved, compiled for private action.

Company response to consumer: Closed with non-monetary relief