vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX  for the egregious violation of multiple consumer protection statutes. This complaint pertains to the unauthorized opening and reporting of a credit account in my name, which has caused significant financial and reputational harm. 

Details of the Fraudulent Account : Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Closed - Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Usage : 139 % Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( Identity Theft Prevention and Mitigation ) : Mandates that credit reporting agencies must block the reporting of information resulting from identity theft. XXXX XXXX XXXX XXXX  failure to address the fraudulent account after multiple disputes is a clear violation of this provision. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : Requires a prompt and thorough investigation of disputed information. XXXX XXXX XXXX XXXX  has demonstrably failed to comply with this legal requirement, resulting in continued reporting of inaccurate and fraudulent information. 
2. Truth in Lending Act ( TILA ) : Regulation Z ( 12 CFR 226 ) : Obligates creditors to ensure the accuracy of billing statements and to investigate unauthorized transactions promptly. The existence and reporting of the fraudulent account violate these provisions, as I did not authorize the account in question. 
3. Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Requires financial institutions to implement measures to protect the security, confidentiality, and integrity of customer information. The fraudulent account indicates a significant breach of these obligations by XXXX XXXX XXXX XXXX. 

Attempts to Resolve : Despite my multiple good-faith efforts to resolve this matter directly with XXXX XXXX XXXX XXXX  XXXX XXXX formal disputes and requests for investigation, the bank has failed to take appropriate corrective action. This inaction exacerbates the harm caused by the initial fraudulent activity.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not give anyone authorization or consent to use my personal information.

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE 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 2024-07-28 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: TX

Complaint narrative:
Re : Dispute of Inaccurate Information Account Number : XXXX Dear TransUnion, I am writing to dispute inaccurate information contained in my credit report regarding an account with XXXX XXXX. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$750.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$750.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : - Highest Balance : {$750.00} Terms : 1 Month On Record Until : XX/XX/XXXX Payment History : Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account contains several inaccuracies that I believe to be incorrect. Specifically : XXXX : The account is listed as a collection account with a past due amount of {$750.00}. However, this information is inconsistent with my records. 
Comments : The account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), which implies that the previous dispute did not resolve the inaccuracies. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. 
The specific methods used to verify the accuracy of the information. 
Any documentation or evidence used to support the verification. 
Additionally, I would like to point out that XXXX XXXX has not provided any documentation proving the validity of this debt. Without proper verification, this account should not be listed on my credit report. If the account can not be verified as accurate, I request that it be removed from my credit report immediately. 

Enclosed are copies of my credit report with the highlighted inaccuracies, as well as proof of my identity. Please complete the investigation within the time frame required by the FCRA and provide me with the results. If this account is not verified as accurate, please remove it from my credit report. 

Thank you for your prompt attention to this matter. 



[ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]

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 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There are multiple transactions that taken from my account. 
XX/XX/year> {$200.00}, {$200.00}, {$200.00}, {$200.00}, and {$200.00} Also on XX/XX/year> were chargers of {$850.00} and {$6.00} I have contacted both the merchant and also my bank, nobody has helped.

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 2024-07-28 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: LEXISNEXIS
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.

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 explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was solicited by email, US mail, and via my online account for a promotional offer in which I would pay a fee in exchange for a 1.99 % interest rate until XXXX and/or 0.00 % interest until XXXX. This offer was presented in very large font, sent to me frequently, and sent via several methods. I had previously taken advantage of promotional offers of Chase and had decent experiences with same. 
However, as my statements reveal, Chase failed to fulfill its obligations to me. 
OFFER : Chase presented an offer [ 1.99 % /0.00 % interest until XXXX in exchange for a percentage of a particular amount of funds requested. 
ACCEPTANCE : I accepted Chase 's offer within the time prescribed in Chase 's offer, in amount permissible pursuant to my credit limit, and paid the applicable fees pursuant to the offer. 
BREACH : Chase failed to uphold its promise made in the offer ; Chase has improperly apply my payments to my account, whereby it breached the contract it provided. 
DAMAGES : Due to the breach of Chase, I incurred the following : {$460.00} [ fees paid in good faith acceptance of the offer made by Chase ] {$110.00} + interest which may appear on my next two statements [ improperly charged by Chase ] On XX/XX/XXXX, I spoke with " XXXX '' who presented herself as a manager. I have been a Chase customer for over 10 years. When I questioned the apportionment of my payment, she stated that payments are applied to the promotions with the lowest interest rates first. As you will see in the documents provided, this in NOT what happened with my account. 

I explained that I had JUST accepted the new promotions, my fees were paid, and had no concern for the fact that I JUST paid more than {$400.00} in fees for a promotional rate, and that Chase, that very month, applied my payments to those brand new promotion. She advised that there was no way for me to recover my fees. 

XXXX offered NO viable explanation and she failed to make any attempt to make this right. As result of Chase 's deceptive business practices and the callousness of Chase regarding this matter, I requested that my long term account be closed. 

Just last month I was charged a {$99.00} annual fee. In light of the above, I request that this amount also be reimbursed to me. 

In addition to the breach concerning the promotional offer made by Chase, their business practices are deceptive and the advertisements of their promotions misrepresent the material facts of its offer. These facts trigger the availability of additional damages to me, including legal fees. 

Please refer to the documents provided, which evidence Chase 's transactions and include additional information provided by me. 

Thank you for your assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-28 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:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX  for the egregious violation of multiple consumer protection statutes. This complaint pertains to the unauthorized opening and reporting of a credit account in my name, which has caused significant financial and reputational harm. 

Details of the Fraudulent Account : Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Closed - Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Usage : 139 % Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( Identity Theft Prevention and Mitigation ) : Mandates that credit reporting agencies must block the reporting of information resulting from identity theft. XXXX XXXX XXXX XXXX  failure to address the fraudulent account after multiple disputes is a clear violation of this provision. 
Section 611 ( XXXX in XXXX of XXXX XXXX ) : Requires a prompt and thorough investigation of disputed information. XXXX XXXX XXXX XXXX  has demonstrably failed to comply with this legal requirement, resulting in continued reporting of inaccurate and fraudulent information. 
2. Truth in Lending Act ( TILA ) : Regulation Z ( 12 CFR 226 ) : Obligates creditors to ensure the accuracy of billing statements and to investigate unauthorized transactions promptly. The existence and reporting of the fraudulent account violate these provisions, as I did not authorize the account in question. 
3. Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Requires financial institutions to implement measures to protect the security, confidentiality, and integrity of customer information. The fraudulent account indicates a significant breach of these obligations by XXXX XXXX XXXX XXXX. 

Attempts to Resolve : Despite my multiple good-faith efforts to resolve this matter directly with XXXX XXXX XXXX XXXX  XXXX including formal disputes and requests for investigation, the bank has failed to take appropriate corrective action. This inaction exacerbates the harm caused by the initial fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for the egregious violation of multiple consumer protection statutes. This complaint pertains to the unauthorized opening and reporting of a credit account in my name, which has caused significant financial and reputational harm. 

Details of the Fraudulent Account : Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Closed - Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Usage : 139 % Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( Identity Theft Prevention and Mitigation ) : Mandates that credit reporting agencies must block the reporting of information resulting from identity theft. XXXX XXXX XXXXXXXX XXXX  failure to address the fraudulent account after multiple disputes is a clear violation of this provision. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : Requires a prompt and thorough investigation of disputed information. XXXX XXXX XXXX XXXX has demonstrably failed to comply with this legal requirement, resulting in continued reporting of inaccurate and fraudulent information. 
XXXX. Truth in Lending Act ( TILA ) : Regulation Z ( 12 CFR 226 ) : Obligates creditors to ensure the accuracy of billing statements and to investigate unauthorized transactions promptly. The existence and reporting of the fraudulent account violate these provisions, as I did not authorize the account in question. 
XXXX. Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Requires financial institutions to implement measures to protect the security, confidentiality, and integrity of customer information. The fraudulent account indicates a significant breach of these obligations by XXXX XXXX XXXX XXXX 

Attempts to Resolve : Despite my multiple good-faith efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX including formal disputes and requests for investigation, the bank has failed to take appropriate corrective action. This inaction exacerbates the harm caused by the initial fraudulent activity.

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 2024-07-28 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: TN

Complaint narrative:
pursuant to consumer protection laws 15 U.S.C 1681 section 602A section 2 : the company XXXX and associates with account number XXXX has violated my privacy rights. They have also violated the law 15 U.S.C 1681 section 604A section 2 : Which establishes that no consumer information may be published without the proper written consent of the aforementioned person described by law 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 explanation
Consumer complaint received 2024-07-28 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 did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately

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 2024-07-28 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: NY

Complaint narrative:
I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately

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 2024-07-28 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 did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I got a few of my credit cards taking away. Credit or closing them saying I have to high balance no house loan. And too many credit inquiries which is wrong I have car loan that is in good standing after I had a few fraud on my cards they did this very rude on phone not my fault someone used my card I think there just used every excuse to do this to me I have never been late nor missed a payment. My credit report is wrong

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