vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-17 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NY

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have come to the point where I have exhausted all other options of why American Express has not wanted to honor it's commitment to taking care of military soldiers. One of your campaign themes is honoring and supporting the military but when it comes to reducing the interest rates on your loans, you look the other way. This has at least been gross misrepresentation and neglect not to mention it is against the law. Not only have you done this over the last few years on my accounts but my wife 's as well who is a military spouse ( same household ). I have included some members of congress in the hope that they will ensure that American Express commits to actions versus just words. Included are my orders dating back to XXXX in which case American Express has given very weak answers as to why you can't reduce your interest rates to at least the required 6 % while a servicemember is on XXXX XXXX. I do recall many years ago, XXXX XXXX XXXX did this same thing and paid a heavy penalty in front of Congress and since they have gone above and beyond to take care of military personnel and I think now is the time for American Express to do the same. Listed on the last Fax Coversheet are all of my accounts with American Express as well as my wife 's in the hope that you will once and for all correct your gross mistakes. Attached are my orders that I am currently on dating back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct the inaccuracies on my credit report. Specifically, I have encountered significant difficulties in resolving the issue of late open accounts and the removal of a late closed account from my credit history. 

Here is a summary of the unsuccessful attempts and the issues I am facing : I discovered that there were late open accounts listed on my credit report that inaccurately reflected my financial history. These accounts have been incorrectly reported, causing a negative impact on my credit score. 

Subsequently, I initiated disputes with your organization regarding the late open accounts by following the dispute resolution process outlined on your website. I submitted supporting documentation and requested that these inaccuracies be corrected. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these late open accounts. I provided additional evidence and communicated with your customer support, hoping to rectify this situation. 
In addition to the late open accounts, I have also encountered issues with a late closed account listed on my credit report. This account should have been reported as " closed on time, '' but it has inaccurately been marked as " late closed, '' which is affecting my creditworthiness. 
Despite my continuous efforts to correct these inaccuracies and provide evidence to support my claims, I have not received a satisfactory resolution from your organization. The late open accounts and the late closed account are adversely affecting my creditworthiness and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, including the removal of the late closed account and the rectification of the late open accounts to accurately reflect my financial history. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly undermines the integrity of my credit history and financial stability. It is crucial that you take this matter seriously and resolve it as soon as possible. I am asking for your help to correct or remove the following accounts : XXXX XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Balance Owed : {$130.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late from reporting on this account.

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 2023-10-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct the inaccuracies on my credit report. Specifically, I have encountered significant difficulties in resolving the issue of late open accounts and the removal of a late closed account from my credit history. 

Here is a summary of the unsuccessful attempts and the issues I am facing : I discovered that there were late open accounts listed on my credit report that inaccurately reflected my financial history. These accounts have been incorrectly reported, causing a negative impact on my credit score. 

Subsequently, I initiated disputes with your organization regarding the late open accounts by following the dispute resolution process outlined on your website. I submitted supporting documentation and requested that these inaccuracies be corrected. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these late open accounts. I provided additional evidence and communicated with your customer support, hoping to rectify this situation. 
In addition to the late open accounts, I have also encountered issues with a late closed account listed on my credit report. This account should have been reported as " closed on time, '' but it has inaccurately been marked as " late closed, '' which is affecting my creditworthiness. 
Despite my continuous efforts to correct these inaccuracies and provide evidence to support my claims, I have not received a satisfactory resolution from your organization. The late open accounts and the late closed account are adversely affecting my creditworthiness and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, including the removal of the late closed account and the rectification of the late open accounts to accurately reflect my financial history. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly undermines the integrity of my credit history and financial stability. It is crucial that you take this matter seriously and resolve it as soon as possible. I am asking for your help to correct or remove the following accounts : XXXX XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Balance Owed : {$130.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: 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.

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 2023-10-17 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.

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 2023-10-17 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: CA

Complaint narrative:
I am writing to report multiple unauthorized hard credit inquiries on my credit report. Despite not applying for credit with the listed institutions, I discovered ten unauthorized inquiries, as detailed in the attached documentation. These inquiries, made without my consent, violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I have already disputed these inquiries with the credit bureau, but the issue persists. I am seeking assistance in rectifying this matter, ensuring the removal of these unauthorized inquiries, and preventing any further violations of my credit 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 explanation
Consumer complaint received 2023-10-17 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: NY

Complaint narrative:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.

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 2023-10-17 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: U.S. BANCORP
State: CO

Complaint narrative:
I bought XXXX US Bank Visa Debit Gift Cards at my local grocery store. The amounts of each card were {$490.00}, {$450.00}, {$500.00}, {$500.00}, and {$500.00}. Since the purchase of these XXXX cards I was unable to make any purchases. I called the help number on the back of the cards many times to troubleshoot and each time the service representative stated they could not see any attempted transactions and had no explanation for why my cards would not work. They would confirm that the appropriate amount was still on each card each time I called. Eventually, it was evident that the cards would not work and that XXXX was unable to make them work. They offered to replace the XXXX cards through the mail. The service representative filed the appropriate paperwork to have replacement cards mailed to me. They stated that my original XXXX cards would be disabled at the time of this phone call and would not longer work. I was not offered any tracking number and their was no security on the XXXX replacement cards being mailed through the mail. Essentially, US Bank mailed me ~ {$2500.00} of cash through the mail with no security or tracking number. When the cards arrived I called the number to activate them and set a pin number. XXXX of the XXXX cards had the correct amount ( {$490.00} and {$450.00} ). However, the remaining XXXX cards had the wrong amounts ( {$50.00}, {$200.00}, and {$200.00} ). All three of these cards should have {$500.00} on them. I called the number on the back and was informed that the original cards ( which were not supposed to be active anymore ) had a charge to an unknown account in Washington ( I live in Colorado and have not traveled to Washington ). I was told I would have to file a transaction dispute for all three cards to get my money back. The service representative stated she would do this for me but that I would have to provide a written statement and photos of original receipts and of the original gift cards. She stated I could do this through the online website, through fax or through the mail. I informed the service representative that I was unable to log into the online website with my cards and she stated I would then need to fax the information to them. I asked if they had an email address to facilitate this or if they could help me log into my account. They stated they could not and that I would need to fax them. They also stated that the dispute would take up to 90 days to process. 

US Bank has defrauded me of {$1000.00} dollars in replacing my gift cards and has only offered me a 90 day dispute claim that can only be processed through fax. I would like an email address to help resolve this issue as fast 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 monetary relief
Consumer complaint received 2023-10-17 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: MO

Complaint narrative:
I am writing to express my frustration and disappointment regarding the ongoing issues I have encountered while trying to delete my accounts with Credit Bureaus. Despite making numerous attempts to remove my late closed and charge off accounts, I have not been able to successfully do so, and I am growing increasingly concerned about the security of my personal information. 

I initially tried to delete my accounts by following the steps outlined in your website 's account management section. However, I encountered an error message that prevented me from completing the process. 

After the initial failed attempt, I made several more efforts on different occasions, thinking that the issue might have been temporary. Each time, I faced the same error, which made it impossible for me to proceed with the account 's removal. 

Frustrated by my repeated failures to remove my accounts, I reached out to your customer support team and explained the situation. Unfortunately, I have not received a satisfactory response or any assistance in resolving the issue. 

Due to the persistent inability to delete my accounts, I am growing increasingly concerned about the security of my personal information, including my data, email address, and other sensitive details associated with my account. I have the right to have my data removed in compliance with data protection regulations. 

I kindly request that you address this issue promptly and assist me in deleting my accounts without further delay. My trust in your company 's data management and customer service is rapidly diminishing, and I hope that resolving this matter will help restore some of that trust. 

Please provide clear instructions or direct assistance on how to successfully delete my account. Additionally, I request confirmation once my accounts has been removed from my credit report, along with a timeline for when this action will be completed. I am asking for your immediate assistance to remove the late closed and charge off accounts from my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$560.00}.

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 2023-10-17 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: GA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief