vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: HI

Complaint narrative:
I am writing to follow up on my numerous previous communications regarding the fraudulent items that have appeared on my credit file. Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. If this matter is not addressed promptly, I will be forced to escalate my complaint to relevant regulatory authorities and consider legal options to protect my rights as a consumer. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX : {$360000.00}

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 non-monetary relief
Consumer complaint received 2024-07-05 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. These accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
Notice Of Dispute : This is in reference to Bankruptcy # XXXX ( LexisNexis Risk Solutions ) LexisNexis has reported a bankruptcy on my LexisNexis consumer report and has refused to delete this entry on multiple occasions. I reached out to the bankruptcy court and they have told me in letterhead that they do not report any information to consumer reporting agencies ( Attached is the letter from the Bankruptcy Court ). LexisNexis claims that they verified this information as accurate through PACER, which is an online system, NOT a Data Furnisher. This is a violation of my consumer right to privacy and I never gave you any permission to furnish this information. I am demanding you delete Bankruptcy # XXXX From my LexisNexis report immediately or I will pursue legal action for willful noncompliance of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Hello, I received a {$1500.00} Amex Gift Card ( virtual ). I've tried using this card at multiple locations - both online and in store- and haven't been able to use it anywhere. XXXX of the retailers I've tried is XXXX, which is a large, national, reputable retailer and the card was denied. 

I haven't been able to find a retailer to successfully take the card - no one will take it. I called Amex customer service and they did not offer any type of resolution. I asked multiple time ( and escalated to a supervisor ), asking where I can use the card, as the website states that the cards can be used " anywhere. '' When I asked if they could provide me a list of approved retailers ( since I haven't been able to find XXXX to take the card ), they said that's not possible, but to try " another '' retailer. Upon trying another online retailer, also declined. 

Amex is inaccurately describing and falsely advertising their product online, as the card can not be used at " any '' online/physical retailers. Amex makes it extremely difficult to use this card. And upon calling to request support, their team is not helpful, as they say that there's nothing they can do about it and it's for " security measures. '' ( Which isn't true, because the retailers I've tried using the card at require the card number, expiration date, and XXXX. ) I haven't been able to use my card anywhere, and I haven't been able to reach a customer service representative to support this matter. For a reputable company like Amex, it's extremely frustrating that they are taking advantage of their consumers in this way. I'm hope you can help support this matter and offer a resolution. 

Thank you in advance for your help! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: HI

Complaint narrative:
I am writing to formally file this follow up regarding the incorrect reporting of late open accounts on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and creditors, the errors remain unresolved. Given the persistence of these errors despite my efforts, I am seeking assistance from you to : 1. Conduct a thorough investigation into the reporting of these accounts. 
2. Ensure that the credit bureaus and the creditors involved take the necessary corrective actions to accurately reflect the account statuses as closed with timely payments. 
3. Provide a clear resolution and timeline for the correction of these errors. 
I have attached the documents to support my complaint. Accurate credit reporting is critical, and the continued presence of these errors is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on you to intervene and ensure these inaccuracies are rectified promptly. I am asking for your help to correct the following accounts : XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} ; XXXX  XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ( Date Opened ) = XX/XX/year> ; XXXX  XXXX XXXX Balance Owed : {$330.00} ( Date Opened ) = XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I'm a senior citizen on a fixed income and I was a victim of a " scam ''. It's disturbing that my bank of XXXX plus yrs did not support me at all. They allowed the scammers to take my money despite the fact that they're probably insured for fraudulent activity It happened XXXX months ago on XX/XX/year>. 
I was looking for a loan and these presented themselves as being from XXXX XXXX XXXX. In hindsight, I know they were imposters but I fell victim to their crimes. They sent an initial payment via XXXX for {$180.00} which I was to return as a show of good faith and to boost my credit score, making me eligible for the loan. I did and immediately they put a stop payment on the {$180.00} they initially sent. I'm ripped off! I've disputed this with my bank twice. They claim they saw no error in the transaction. I never said it was an error! I explained to them what happened and said it was a Scam!! I think since banks are insured that they should cover my loss. 
I filed a complaint with the XXXX but heard nothing. I also reported this fraud to XXXX. These are the alleged names and numbers of these scammers I was dealing with. XXXX XXXX XXXX ... XXXX XXXXXXXX $ XXXX phone XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX Any assistance you can offer would be greatly appreciated. 
Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATIONXXXX  # XXXX DEPT OF EDUCATION/XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: IL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the correction of inaccurate personal information in my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). The following information currently listed on my credit report is incorrect : Names : XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX  - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX  XXXX XXXX - Name ID # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Location : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Multifamily XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXXXXXX XXXX XXXX XXXX Location : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX ID : # XXXX Type : Single family The accurate information should be as follows : Correct Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-05 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: TX

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: AZ

Complaint narrative:
Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> -- -- -- -- -- TransUnion : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have four business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.

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 2024-07-05 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: AZ

Complaint narrative:
Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing 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 non-monetary relief
Consumer complaint received 2024-07-05 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 have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing 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