vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains multiple violations of the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that governs the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure 100 % accuracy in their credit reports. If a consumer suffers damages due to an FCRA violation, they XXXX be entitled to file a lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. 

I have documented all the dispute letters sent to your company since XX/XX/year>, and can provide evidence of your negligence and the resulting statutory damages in court. The accounts listed below are not 100 % accurate, and I demand their immediate removal from my credit report : 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
Consumer complaint received 2024-08-28 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting 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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP
State: IA

Complaint narrative:
I got a call from this number claiming I was supposed to be contacted yet instead I was transfered to someone claiming to be a paralegal who had all my information including social security number. They claimed I owed a debt to US Bank over a decade ago and when I told him to tell me the lawfirm he worked for that I need to cut the XXXX and he will show me how bad he will make it for me. I called back repeatedly to find out what company contacted me but they refused to tell me and hung up. They claim they would be putting a lien on one of my vehicles but refused to communicate anything useful.

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 2024-08-28 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a XXXX Account with Chase Bank. Upon the opening of my account Chase never informed me of the Truth In Lending Disclosures. I was misinformed by the bank regarding the specific definitions of credit, creditor, open credit plan, etc. Chase bank has violated my rights and I am suffering financial harm due to this trespassing of my rights. The bank is also not honoring my certificate of agreement on file with the bank. 

15 USC 1601 - Truth in Lending 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MD

Complaint narrative:
Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )

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 2024-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
CBC collections left a voicemail on XXXX stating, This is XXXX calling from CBC. Please contact me or one of our representatives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or toll-free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called back and asked who I had a missed call from. The representative asked me to hold on then asked if she was speaking to XXXX. I told the representative that she had the wrong number and she said she would remove my number from their system. On XXXX, CBC left another voicemail leaving the same message as before. I called CBC back on XXXX informing the representative that I had a missed call from their number. He asked if I was XXXX XXXX, I told him no and that I explained this the first time they called. He said he would remove my number from their system. I told the representative that any future contact would result in an XXXX complaint, he laughed then ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In approximately XX/XX/XXXX, American Express removed the XXXX benefit from our XXXX American Express card. Since that time, we have applied and re-applied for the XXXX benefit to be re-instated. The representatives have wrongly applied for SCRA benefits on multiple occasions as well. Each time the XXXX benefit is applied for it comes back denied. I have called American Express with an XXXX representative on the phone who confirmed that the benefit should be applied to our account and explained to the Amex representative that XXXX pulls a person 's XXXX XXXX status first and does not reflect dependent status. I am XXXX XXXX with the United States XXXX XXXX XXXX which does not fall under XXXX protections. My husband is XXXX XXXX XXXX and I am his dependent and as the law states, XXXX benefits extend to military dependents. We have explained this over and over again to Amex and have been refused XXXX protections each time. When we spoke with a supervisor in XX/XX/XXXX, she stated that she could remove the annual fee on the card so we could close the card or we could apply one more time for the XXXX benefit. When I called today after learning the benefit had been denied, the supervisor ( XXXX ) stated he could not remove the annual fee when closing the account. I would prefer our XXXX protections be applied to the account so we can keep it open. We have offered to provide copies of XXXX XXXX orders, promotion orders, marital certificates, etc and are told no each time. Currently, American Express continues to blantantly violate XXXX protections that are supposed to be afforded to XXXX XXXX members and their spouses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: AL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian and XXXX, XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. Hard Inquiries : Several unauthorized hard inquiries appearing on my consumer FICO credit report. 

XXXX. Late Payments : Incorrect late payments reported on accounts that should be marked as paid off or never existed under my name : XXXX. Fraudulent Accounts/Collections : Accounts and collections reported inaccurately or fraudulently under my name, which I have no knowledge of : Please see that attached FTC reports with the list of all accounts mentioned above. FTC report Number : XXXX and XXXX I have attached a copy of the FTC reports. 

I do not recognize or have never authorized the accounts, collections, or hard inquiries listed above. The aforementioned accounts, collections, and hard inquiries are inaccurate and must be removed from my consumer credit report maintained by your agency. This is also affecting my credit score unjustly.

What would be a fair resolution to this issue? ( demands for relief ) : I demand that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the removal of the fraudulent and inaccurate accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. Additionally for XXXX XXXX to be marked as paid in full, and remove the late payments. I request that all written confirmation regarding this CFPB complaint be sent to me via certified mail.

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 2024-08-28 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: PA

Complaint narrative:
Company Experian Credit Bureau : I am a victim of identity theft. there are credit cards and accounts that reported under my credit report, and also name and addresses that does not belong to me, all these are fraudulent accounts that I have no clues off. and need to be removed ASAP OF MY REPORT. THANK YOU FRAUDULENT NAME : XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX : {$2900.00} XXXX XX/XX/XXXX XXXX XXXX : {$4400.00} DATE XXXX XXXX, XXXX XXXX XXXX : {$13000.00} DATE : XXXX XXXX XXXX XXXX BANK : {$6100.00} DATE XXXX XXXX XXXX XXXX XXXX XXXXXXXX. : {$1100.00} DATE XXXX XXXX, XXXX FRAUDULENT INQUIRIES : XXXX OF XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX I NEED ALL THESE TO BE REMOVED, THESE ARE FRAUD UNDER MY NAME

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 2024-08-28 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: NV

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from 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 explanation
Consumer complaint received 2024-08-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When they opened up my Credit card with Bank of America XXXX their branch employee lied to me about the promotional offer about minimum spending to get extra cashback. They even misled me on the details of earning the 3 % cash reward. 

Having complained to Bank of America many times, they did not address these issues

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 2024-08-28 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: FL

Complaint narrative:
Following 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, the accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. Please delete the accounts listed below : - Creditor name : XXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. - Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name XXXX XXXX  XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation