vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX City, State Zip Dob : XX/XX/XXXX SS # XX/XX/XXXX XXXX XXXX  Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX Account Number : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS 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 non-monetary relief
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX City, State Zip Dob : XX/XX/XXXX SS # XX/XX/XXXX XXXX XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX Account Number : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS 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 explanation
Consumer complaint received 2024-06-02 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called PenFed and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms butt dialed this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of XXXX XXXX 's receipt that was canceled because I caught it this people in New York were trying to buy XXXX dollars worth of cameras at XXXX XXXX with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called XXXX XXXX and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told XXXX XXXX it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE XXXX incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report XXXX things so that's why I'm here thank you to your help in advance

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 2024-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: MO

Complaint narrative:
I moved out of XXXX XXXX at the end of XXXX. There was a verbal agreement that if I vacated by XX/XX/2022 that I would not have any further charges and my remaining deposit would be forwarded to my home of record. I returned the keys and key fob upon the complete removal of all of my belongings from the apartment. The apartment was completely vacated by XX/XX/2022. Since then I have had several collection agencies try to collect XXXX from me. I have received numerous calls in this manner, and none of what they state is true. I adhered to the apartment managers request to vactate the property by XX/XX/XXXX to avoid any collection notices. This XXXX is not being truthful and this is affecting my credit and my rental history. XXXX XXXX is illegally trying to collect a debt that is not owed and taking advantage of individuals such as myself. I was not physically even in the state of California during XXXX through XXXX. I was working in XXXX Washington on a project with the school district and my employer. I can alos provide pay statements which prove this and shows the deciet XXXX XXXX has displayed. XXXX XXXX claims I resided in the apartment through XXXX. This is a flat out lie and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT, THAT IS FRAUDULENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: PA

Complaint narrative:
I recently checked my credit report and I am seeing so many fraudulent inquiries that I did not do. I did not apply for these things and they are affecting my credit negatively and need to be removed immediately. My rights are being violated because these inquiries did not get looked into thoroughly before being placed 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 non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I've got XXXX AMEX virtual rewards gift cards, one is for {$15.00} the other one is for {$10.00}. I've tried many places online and in person to spend these cards. The cards are supposed to work wherever AMEX is accepted in the US. They don't. Ive called AMEX many times over this issue and was told to find a store that don't need my address when using the card. Ive not had a single store ask for it and yet the cards are always declined. I was told by AMEX they do not have a list of places these cards will work at. I was told to just keep trying until I found a place they would work. Got a friendly reminder that the balance will expire in 6 months from the issue date. One support person offered me a refund then said of no we can't do that since this was a reward gift card from Inbox Dollars. I used all my points for these scam cards. It should not matter if cash was used to obtain these or not. They are GIFT cards. Useless as can be. These cards have been nothing but a pain in the rear. Ive wasted many hours trying to resolve this issue. There's many other people with the same issue. AMEX IS STEALING FROM THE CUSTOMERS, IF THEY DONT SPEND THE CARD BALANCE WITHIN XXXX  MONTHS IT EXPIRES. AMEX CUSTOMER SUPPORT IS A JOKE, they read you the same script everytime. Offer absolutely no solution and refuse to give any helpful information. It's impossible to use these fake scam cards. I'm guessing AMEX set it up this way so they could steal peoples money when they can't use these fake cards and figure people will just give up trying eventually. I know {$25.00} Is not much money but it is the principle of it. {$25.00} adds up fast when there's thousands of people getting robbed of their funds. Please help me put a stop to AMEX scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, & XXXX continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX GA XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked all three bureaus- XXXX XXXX XXXX, and Transunion numerous times and through letters to please do the following : 1. Please delete inaccurate names showing on my credit reports that are not my name. XXXX alone showed over XXXX different names that are not mine. I have also filed disputes and they are still appearing. 
2. I have asked for inaccurate or old addresses to be removed from all three of my reports- online, via mobile, and in writing. I have filed disputes and they are still appearing on my reports.

3. I have asked for all derogatory information to be verified as mine. None of the information that is showing as derogatory belongs to me.

4. I have filed countless disputes and sent letters regarding all of these inaccuracies to ensure that the information that is showing on each report ACCURATELY DEPICTS MY CORRECT INFORMATION and not the information of someone else.

5. I also located duplicate accounts with late payment histories from one credit union credit card company that are also not mine. I have never been late on a single payment with any credit card company. 

I have tried so many attempts and would really like some help and assistance to get this right. These inaccuracies have adversely affected me. These inaccuracies have denied me housing and it could deny me future employment or the ability to obtain any future lines of credit should i deem necessary.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked all three bureaus- Equifax XXXX XXXX, and XXXX numerous times and through letters to please do the following : 1. Please delete inaccurate names showing on my credit reports that are not my name. XXXX alone showed over 20 different names that are not mine. I have also filed disputes and they are still appearing. 
2. I have asked for inaccurate or old addresses to be removed from all three of my reports- online, via mobile, and in writing. I have filed disputes and they are still appearing on my reports.

3. I have asked for all derogatory information to be verified as mine. None of the information that is showing as derogatory belongs to me.

4. I have filed countless disputes and sent letters regarding all of these inaccuracies to ensure that the information that is showing on each report ACCURATELY DEPICTS MY CORRECT INFORMATION and not the information of someone else. 
5. I also located duplicate accounts with late payment histories from XXXX XXXX XXXX  credit card company that are also not mine. I have never been late on a single payment with any credit card company. 

I have tried so many attempts and would really like some help and assistance to get this right. These inaccuracies have adversely affected me. These inaccuracies have denied me housing and it could deny me future employment or the ability to obtain any future lines of credit should i deem necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: TN

Complaint narrative:
It has come to my attention that you have reported inaccurate information concerning my Credit Report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 
The inaccuracies on my credit report include but are not limited to 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  These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.

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 2024-06-02 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: TN

Complaint narrative:
It has come to my attention that you have reported inaccurate information concerning my Credit Report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 
The inaccuracies on my credit report include but are not limited to : 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  These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, & Equifax continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, XXXX XXXXXXXX continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CA

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 have informed Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 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

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