vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: MD

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$680.00} and list of Inquiries. 


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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :

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 2024-03-04 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX I dont have a contract or agreement with this bank, This Company was not authorized to do business in the state of Delaware XXXX XXXX  account open ) Attached is Proof that a UCC1 was not filed and or I do not owe this company anything. 

XXXX XXXX XXXX I do not have a contract or agreement with this company, This Company do not have a license to do business in my State ( Delaware ) at the time set account was opened Attached is Proof no UCC1 was filed and i have no liens. 

XXXX XXXX XXXX XXXX XXXX I do not have a contract or agreement with this company. 
I have ask for Licensing and contract and or agreement that gave this company my private and personal information without my consent 15 USC 1681b Inquiry XXXX XXXX XXXX I have not applied with this company I have no account with this please remove this from my credit report. 

You XXXX are reporting inaccurate information and by doing so are harming my god given to the pursuit of happiness. 
Please stop reporting non mailable addresses on my report my Correct and the only mailable address is C/O XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Delaware XXXX You have more than one Name being reported and also missed spelled versions of my name. My name is XXXX XXXX that is the only name I want reported on my credit report. 
I am a victim of identity theft attached is a police report. You have 4 days from the date you receive this information to delete, block, and fix these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXXXXXX I dont have a contract or agreement with this bank, This Company was not authorized to do business in the state of Delaware XXXX XXXX  account open ) Attached is Proof that a UCC1 was not filed and or I do not owe this company anything. 

XXXX XXXX XXXX I do not have a contract or agreement with this company, This Company do not have a license to do business in my State ( Delaware ) at the time set account was opened Attached is Proof no UCC1 was filed and i have no liens. 

XXXX XXXX XXXX XXXX XXXX I do not have a contract or agreement with this company. 
I have ask for Licensing and contract and or agreement that gave this company my private and personal information without my consent 15 USC 1681b Inquiry XXXX XXXX XXXX I have not applied with this company I have no account with this please remove this from my credit report. 

You XXXX are reporting inaccurate information and by doing so are harming my god given to the pursuit of happiness.

Please stop reporting non mailable addresses on my report my Correct and the only mailable address is C/O XXXX XXXX XXXX XXXX XXXX, Delaware XXXX You have more than one Name being reported and also missed spelled versions of my name. My name is XXXX XXXX that is the only name I want reported on my credit report. 
I am a victim of identity theft attached is a police report. You have 4 days from the date you receive this information to delete, block, and fix these items.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
I recently applied for auto insurance and the reporting agency has reported that I have excessive claims and thief on my drivers record which is either true, they say that it is causing me for a high premium and getting denied ; I have a great driving record. Someone is reporting miss information about me. 
please have Lexis Nexis to stop reporting false information about me and delete my file, I do not want them to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NJ

Complaint narrative:
XXXX XXXX ACCT XXXX XXXX DATE OPEN : XX/XX/2019 {$0.00} ... ... ... ... .Reported late in the past but i was never late.

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 2024-03-04 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: NJ

Complaint narrative:
XXXX XXXX ACCT XXXX XXXX DATE OPEN : XX/XX/year> {$0.00} ... ... ... ... .Reported late in the past but i was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NJ

Complaint narrative:
XXXX XXXX ACCT XXXX XXXX DATE OPEN : XX/XX/year> {$0.00} ... ... ... ... .Reported late in the past but i was never late.

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 2024-03-04 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: PA

Complaint narrative:
XXXX  XXXX is reporting ino accurate info. someone stole my identify and opened a fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX  XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
This is a very strange situation. My ex husband claims he met a Chase private banker while playing a video game called XXXX. I noticed my banking app had " XXXX XXXX  '' on it and I also received a XXXX XXXX debit card. This also meant when I went into a branch for anything, I could ONLY speak with a XXXX XXXX XXXX. This may all sound petty, however, this is a breach of privacy, as I did NOT authorize this change to my account. 

Qualifications for having a Chase XXXX XXXX  Account : There is a $ XXXX Monthly Service Fee for Chase XXXX XXXX Checking OR {$0.00} when you have at least one of the following each statement period : an average beginning day balance of {$150000.00} or more in any combination of this account and linked qualifying ( a ) deposits/ ( b ) investments OR, a linked Chase XXXX XXXX XXXX account. 

We NEVER had anywhere close to {$150000.00}. I am not sure how/why this change was made... but it is very scary that my account was modified without permission. This instance happened back between XXXX and XXXX, I believe. Chase would not give me any information, as the change was made to my ex husband 's account. Yet my account was still affected, as they were linked some how. This is a huge breach of privacy, and I do believe Chase needs to be held accountable to for this. I am open to providing any additional information you may need. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2024-03-04 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: NV

Complaint narrative:
On XX/XX/2024 I received my tax return on the American Express Serve Card. Immediately submitted payments of {$83.00} for XXXX XXXX and {$64.00} for XXXX XXXX Returned payments. I tried to withdraw money and was able to receive {$500.00} on the XXXX of XXXX and after that I have not been able to receive any money from any ATM. I transferred the remaining funds to my external banking account. I still have not received it. it said XXXX days. Now they are telling that it takes longer. I told them if I don't have it in the 5 days that I would be returning the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NY

Complaint narrative:
I have no association with the listed creditors and did not authorize these inquiries. I request an investigation into these inquiries and their removal from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: DE

Complaint narrative:
Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these 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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have for all of XXXX and XXXX been unable to process ACH transactions online. Whenever I tried to submit an ACH transaction, my business checking account has been locked as part of security fraud protection. I have on several occassion and in much debt talked to the banks IT department, security department, business department, and local branch. Nobody has been able to resolve the issue for me. Instead I have been advised to use in branch wire transactions. Using wire transations have cost more more than {$1000.00} in service fees with the bank ( {$40.00} per wire + {$11.00} mailing fee per wire ). This is in comparison to ACH transactins which are part of the advertised service that come with my account for {$1.00} per transaction. The bank in unable to resolve the issue and is unwilling to waive the incurred wire transaction fees either. The services advertised to me are false advertisement and I have not been provided a reasonable solution to the problem

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
2 CREDIT CARDS, 2 Checking Accounts including my XXXX year old Daughters College Checking account were cancelled zero reason given zero notification by XXXX XXXX XXXX ; and BMO HARRIS NA HAS FROZEN MY NEW CHECKING ACCT. 

SO MY COMPLAINT IS AGAINST BOTH BANKS. 
My credit score is XXXX ; The one checking account I had since XXXX / 43 years!! When it was XXXX XXXX XXXX XXXX XXXX XXXX IL, then XXXX XXXX then XXXX 43 years. Same account ; I had over XXXX $ XXXX in the account in good standing with the Bank, I never {$1.00} of CC INTEREST IN 43 YEARS! l this is WRONG Have you guys READ SOME OF THE OTHER XXXX COMPLAINTS? 
3 OF THEM I ATTACHED FOR YOU BUT THERE ARE Hundreds like them ) ABOUT XXXX XXXX XXXX ON YOUR OWN WEBSITE XXXX ITS APPALLING!!! XXXX should be FINED. I closed the account ( they forced me to do so in person with XXXX XXXX XXXX of XXXX his info attached ) with {$20000.00} and my money has been Frozen by the Bank ; I HAVE NO ACCESS TO MY MONEY FOR 16 Days now Since XXXX, XXXX. I NEED ACCESS TO MY MONEY I HAVE BILLS TO PAY ; Sincerely 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