vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: NC

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX ( ACCOUNT # XXXX ) XXXX BNK ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) XXXX PREMIER ( ACCOUNT # XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) XXXXXXXX XXXX ( ACCOUNT # XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-10-25 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: OH

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  Bankruptcy Account Number : XXXX has violated my rights. Or 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 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 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KEYCORP
State: OH

Complaint narrative:
my cards was charged after id was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: OH

Complaint narrative:
I have first progresses Secure credit card never missed a payment. I have it on auto pay. 
This was an missed payment reposted it was a already paid on time I contacted their customer support and they promise me to correct the error Until now they did not correct it And Allegedly the late payment was on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-25 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXXXXXX XXXX XXXX # XXXX Closed Accounts XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Imagine you have ( for example ) XXXX reward points associated with your JPMNChase credit card, and you want to transfer them to a travel partner of Chases, such as XXXX or XXXX. 

You cant, unless you shell out for a {$95.00} per year travel card like their XXXX card. My complaint is that this is the practice in effect for the Chase Freedom Unlimited card. They should either loosen that restriction, or remove the false promises of Freedom and Unlimited from the name of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute with Truist Credit card back in XXXX ( the only dispute on the account and only dispute I ever had with them. ) after 2 weeks of filing the dispute I contacted truist for an Update every week for 5 weeks straight. ( until 7 weeks after filing the dispute ) each time they have advised me that they have no updates and no further information to provide me and I have to patiently wait till I receive mail. 

after 6 weeks of the dispute I was calling them and emailing them begging them to know what is going on but nobody that cared and that can provide me any word on it. meanwhile, I do not have access to my money and never received a credit. 

This dispute is very straightforward and no delays needed on it. I sent to truist bank direct proof from the actual person that I paid to showing that he himself is admitting that he scammed me and that he didn't provide me with the service that I paid him for. 

I never received any work or services he was supposed to provide me and he himself is admitting to it and agreeing to it. 

I provided them with all this clear proof and a full detailed message showing them my conversations with the person. 

at the same time that I opened this claim with Truist I also opened one with XXXX XXXX XXXX since there was 2 charges on that credit card also tot he same individual and the same situation. I provided XXXX with the same exact proof and documents on the same day I gave it to Truist, ( back in XXXX ) and they have closed this claim and returned me my money still back in XXXX 

I can not simply understand that we are now 3 months later, this dispute is still not resolved, not only it isn't resolved but there is nobody to talk to and where to get any answers or any updates, nobody to acknowledge anything, the money not accessible, and simply sitting in the unknown. 

I filed a XXXX complaint with Them 2 weeks ago in which I received a response that it is being reviewed and a email address of a person at Truist that I can reach out for further updates. I emailed that person twice in past 2 weeks and no response. this is truly a big shame!!

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Dear American Express Customer Service, I hope this letter finds you well. I am writing to demand that you reopen my account immediately due to the adverse actions taken against me, which I believe are illegal and fall under the category of security fraud. 


As a long-standing customer of American Express , I have consistently maintained a positive credit history and fulfilled my financial obligations in a responsible manner. However, I was shocked to receive a notification stating that my account has been closed and my credit usage has been denied. 
" Adverse action is defined in the Equal Credit Opportunity Act and the FCRA to include : a denial or revocation of credit. a refusal to grant credit in the amount or terms requested. a negative change in account terms in connection with an unfavorable review of a consumer 's account 15 USC 1681a ( k ) ( 1 ) '' ftc.gov I firmly believe that these adverse actions are unjustified and in violation of my rights as a consumer. Denying me the right to use my credit without any valid reason or explanation is not only unfair but also potentially damaging to my financial well-being. 

I demand that you reopen my account immediately and reinstate my credit usage privileges. It is imperative that you rectify this situation promptly to avoid any further harm to my creditworthiness and financial stability. 

However, I do understand that I have a past due balance of little over {$5000.00}. I'm prepared to make this payment as soon as I receive notification that my card has been reopened and is ready for use. I'm also requesting that all previous monthly statements be sent out to my address on file. I'm aware that you have already sent these out, but they have been misplaced and for that I apologize. 

Please be advised that failure to comply with this demand may result in legal action being taken to protect my rights as a consumer and seek appropriate remedies for the damages caused. I trust that American Express, as a reputable financial institution, will handle this matter with the utmost seriousness and professionalism. 

I kindly request that you acknowledge receipt of this letter within 5 business days and provide a written response addressing my demands and concerns. I expect a prompt resolution to this issue. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution and the reinstatement of my account. 

Sincerely, XXXX, XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: GA

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 has violated my rights. Or 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 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 2023-10-25 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: FL

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 XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$76000.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$15000.00}. I am a victim of identity theft and I never opened this account. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since XXXX I have informed Oportun Inc. that there are discrepancies in the reports it is issuing to the CRA agencies, I also asked that it disclose all the information regarding the increases in the XXXX that I was charged, and so far I have not received any response. 
They continue to report incorrect and incomplete, marking charge-offs on incorrect dates especially when payments have been made to the account. I asked them to investigate and even dispute it with XXXX and they have only limited themselves to confirming that the account is verified and compliant, but they still do not confirm when the final payment date or the closing date occurred. I paid them everything, I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: IN

Complaint narrative:
I have recently reviewed my credit and have found that their our many errors and accounts that do not belong to me : I do know that my ex wife had my personal information, however Im unclear as to who actually used my information for these accounts that arent mine. I have went to the police and filed a report and have contacted each bureau but havent gotten a response from the appropriate Dept as of yet :

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LEXISNEXIS
State: OH

Complaint narrative:
MY INFO WAS STOLEN AND CREDIT CARDS CHARGED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy. 

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a certified letter to TransUnion and XXXX XXXXXXXX XXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XXXX XXXX in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX XXXX Account # XXXX charge off date XXXX XXXX XXXX  Partial Account # XXXX charge off date XXXX XXXX XXXX Appliances partial account # XXXX Charge off date XXXX XXXX However I wasnt notified of the status being updated from being charged off to being active again. The accounts were removed and they are now showing on my credit. 

In addition, I did not give TransUnion or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since 2018, I have filed disputes to request the removal of a XXXX on my credit report. The responses has been ignored and have not been address by Experian. This has became detrimental in me securing employment and housing. I am enable to rent a dwelling and ascertain full-time employment.

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 2023-10-25 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 HONDA FINANCE CORP
State: CO

Complaint narrative:
I am writing to complain to AMERICAN HONDA FINANCE about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation