vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : WXXXX XXXXccount Name : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

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 2024-10-23 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 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account XXXX : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXount Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

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 2024-10-23 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX XXXX  which is enclosed with this correspondence.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am a British Citizen but an XXXX XXXX member of the XXXX XXXX since XXXX XX/XX/XXXX. 

I successfully applied for a XXXX American Express Credit Card in XX/XX/XXXX with the annual fee waivered under the Military Lending Act and/or the Servicemembers Civil Relief Act. 

In XX/XX/XXXX I was charged {$690.00} annual fee. I raised this for formal review as I remained, without break, an XXXX XXXX member of the XXXX XXXX. 

Four times my review was rejected by American Express who have refused to acknowledge my XXXX XXXX status and refund my annual fee. I have made a complaint about this as at one stage they asked that I provide written evidence of my status. 

I provided this evidence, a signed letter from the Department of the XXXX certifying my XXXX XXXX status and American Express acknowledged receipt on XXXX XX/XX/XXXX. 

I have called the American Express customer service line and complaints line at least 7 times since XXXX to try and resolve this issue. One American Express complaints handler told me during a call in XXXX that he knew what the problem was, that it was an internal error in handling my case, and that my fee would be credited on my XXXX statement. That refund did not happen. 

I called to make a further complaint only to receive another email on XXXX XXXX that I am not eligible by American Express XXXX and must pay the fees. 

My compliant is that my XXXX XXXX status was approved for my initial credit card application in XXXX, incorrectly changed and charged in XXXX, and the evidence I have submitted and acknowledged by American Express, ignored. 

I am owed {$690.00} by American Express who are willfully failing to provide the reason for rejecting my Active-Duty Status and applying the benefits of the MLA and SCRA despite providing them the evidence requested and continued engagement with them since XX/XX/XXXX. 

Their veneer of politeness masks a complete rejection of my XXXX  service, their failure to apply my associated legal protections, and above all, completely exposes a hollowness to their appreciation of military service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report which I have NO knowledge of nor did I sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. This account has been furnished WITHOUT my permission or authorization. All is currently being fully investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Dear Experian, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( Account Number : XXXX ) for which I have maintained timely payments. 

As outlined by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of the information they report. I kindly request a detailed investigation into these discrepancies, and I would appreciate verifiable evidence, such as account statements, substantiating any late payments. 

If such evidence can not be provided, I request that my record be updated promptly to accurately reflect my consistent payment history, as stipulated in FCRA Section 611. 

Furthermore, I would like to remind you that according to the standard timeframe provided by the FCRA, there are only four days remaining to complete the investigation from the date of my initial inquiry. I trust you will adhere to this timeline and keep me informed about the progress and eventual updates to my 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 explanation
Consumer complaint received 2024-10-23 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: GA

Complaint narrative:
I am disputing the reappearance of the following item on my Transition and, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ], which was removed on [ XXXX XXXX XXXX  ]. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) in the following ways : Section 611 ( a ) ( 1 ) ( A ) requires a timely investigation of disputes ; Section 611 ( a ) ( 1 ) ( B ) mandates the removal of inaccurate or unverifiable information ; Section 611 ( a ) ( 5 ) ( B ) requires notification within five business days for reinsertion. The item has reappeared without proper validation or notification. I request its immediate deletion, and I am seeking assistance from the CFPB to resolve 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 2024-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the reappearance of the following item on my XXXX  and, Equifax credit report : [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Acct # XXXX ], which was removed on [ XXXX XXXX XXXX ]. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) in the following ways : Section 611 ( a ) ( 1 ) ( A ) requires a timely investigation of disputes ; Section 611 ( a ) ( 1 ) ( B ) mandates the removal of inaccurate or unverifiable information ; Section 611 ( a ) ( 5 ) ( B ) requires notification within five business days for reinsertion. The item has reappeared without proper validation or notification. I request its immediate deletion, and I am seeking assistance from the CFPB to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX, I received numerous notifications from XXXX XXXX informing me that my credit had been ran by several businesses for auto finance. I did not request or complete any documentation for this. All of the inquires are below with dates. 

XX/XX/scrub>XXXX XXXX XXXXXXXX JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
Account # XXXXXXXX XXXX XXXX XXXX, Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXXXXXX XXXX XXXX XXXXXXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Accounts XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXXXXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-10-23 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX XXXX  which is enclosed with this correspondence.

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 2024-10-23 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BMO Bank is refusing to open a dispute about charges totaling {$370.00} on my credit card ending in XXXX. BMO Bank has not sent any formal letter, with supporting documents, to explain its refusal to open the dispute. Accordingly, I have now closed this credit card 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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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 explanation
Consumer complaint received 2024-10-23 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: AR

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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