vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: PA

Complaint narrative:
I XXXX XXXX Currently have some fraudulent account and inquiries appearing on all three of my credit report. I have attached supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NC

Complaint narrative:
XX/XX/XXXX Hard Inquiry, I don't recognize XX/XX/XXXX Hard Inquiry, I don't recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
I am writing to urgently bring to your attention the ongoing issue of fraudulent items on my account with Credit Bureaus. Despite my initial report and the subsequent acknowledgment of fraudulent activity, I am dismayed to inform you that a second attempt to address this issue is required.

The unauthorized transactions on my account continue to cause significant distress and inconvenience. I understand that these situations can be complex, but it is crucial that swift and effective action is taken to rectify the matter.

I appreciate the efforts made after my initial report ; however, the persistence of fraudulent items necessitates an immediate and thorough investigation. I insist on a comprehensive and expedited removal of all unauthorized transactions from my account.

I kindly request a detailed update on the progress of this second attempt, including the specific actions being taken to ensure the swift resolution of this matter. Additionally, I urge you to communicate the preventive measures being implemented to safeguard my account against any future fraudulent activities.

Given the urgency of this situation, I expect a resolution within the shortest possible time frame. Please understand that the delay in addressing this matter not only exacerbates the financial impact but also raises serious concerns about the security of my account.

If this issue is not resolved promptly and to my satisfaction, I may have no choice but to escalate this complaint through regulatory channels and explore other avenues to protect my rights as a consumer. I am asking for your immediate assistance to remove the fraud items in my credit file : 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've attached some documents for your review. I request the bureau to launch an investigation into these accounts, as they incorrectly indicate late payments on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please review the attached documents. I'm requesting the bureau to commence an investigation into these accounts, which falsely portray me as late in payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon receiving notifications in my credit monitoring system, I discovered an abundance of inquiries that I am unfamiliar with. These inquiries are not associated with me, and thus, I did not provide my consent for them. This situation constitutes a violation of 15 USC 1681 B : Permissible of Consumer Reports, and I kindly request their immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: VA

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX 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 2023-11-30 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: PA

Complaint narrative:
I XXXX XXXX Currently have some fraudulent account and inquiries appearing on all three of my credit report. I have attached supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: PA

Complaint narrative:
I XXXX XXXX Currently have some fraudulent account and inquiries appearing on all three of my credit report. I have attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: MD

Complaint narrative:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: MD

Complaint narrative:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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 am writing to express my profound dissatisfaction with the continued presence of fraudulent items on my credit report, despite a second attempt to rectify the situation. The handling of this matter has been deeply unsatisfactory, and I feel compelled to bring this issue to your attention formally. 

I initiated the process to dispute and remove unauthorized and fraudulent items from my credit report. Despite a previous attempt, these items persist on my report, causing significant distress and concern about the accuracy of my credit history. 

I understand the importance of promptly addressing fraudulent activities and maintaining the integrity of credit reports. I expected that the second attempt to rectify this matter would yield positive results, but unfortunately, that has not been the case. 

I insist on an immediate and thorough investigation into the reasons for the persistent presence of fraudulent items on my credit report, despite a second attempt to remove them. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent similar lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the successful removal of the fraudulent items from my credit report within the exact time frame of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items in my crewdit file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX 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 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
HSBC XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX/ HSBC XXXX XXXX stated that a check for the amount of {$3000.00} was sent out XXXX XXXX. I XXXX XXXX informed HSBC XXXX XXXX that I did not receive the check. HSBC XXXX stated that she would reissue the check. I XXXX XXXX called XX/XX/XXXX and spoke to XXXX and asked her whether or not HSBC reissued the check. HSBC XXXX XXXX stated that she was out and she would contact me XXXX XX/XX/XXXX. I called HSBC XXXX XXXX and she stated that she was in a meeting and she would return my call later on today. I did not get a phone call from HSBC XXXX XXXX concerning the check for the amount of {$3000.00}. I'm waiting for a representative to call concerning the issue. I XXXX XXXX called and have requested a payment history for XX/XX/XXXX - XX/XX/XXXX. I XXXX XXXX have requested statements for year XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. A HSBC Rep created a workorder and the information should be sent to Fax Number XXXX. The HSBC Rep stated that the information should be available within two days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I spoke to a customer service agent on the phone before paying my balance off this credit card. The balance was settled and it's still showing on my credit report as a closed account. Customer service agent on the phone told me that it would not be reported as a closed account and affect my credit report or score. Well it clearly was reported as a closed account and is affecting my credit report! I should not be punished for paying the balance on this card and having it show as a closed account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: AZ

Complaint narrative:
I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX : {$770.00} XXXX. XXXX XXXX XXXX : {$690.00} XXXX. XXXX XXXX XXXX : {$750.00} XXXX. XXXX XXXX XXXX XXXX, MO 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 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
i opened an Apple credit card on XX/XX/2023. During the time frame of XXXX XXXX i purchased XXXX XXXX XXXX XXXX, and XXXX XXXX screen protectors using the Apple credit card. the Purchase of the XXXX XXXX earned {$100.00} in cash back. The cash back was transferred to the Apple Cash feature that can only be accessed through the icloud account linked to the Apple credit card. As a result of the 3 iphone purchases over 3 day period my icloud ( that has my apple credit card and apple cash rewards linked to ) was flagged for suspicious activity and the icloud account became inactive locking access to the rewards and apple credit card. As a result of this i decided to return all the devices and close the credit card since i no longer have access to the account through the icloud. After i successfully returned all the items. i contacted apple credit card to verify my accounint balance and the apple card representative informed me that i had a balance of {$100.00} that they payed out to Apple cash in cash back rewards. So i contacted apple cash support and i was told by the representative that this is a behind the seen issue and that they have no way to access the account and return the reward funds leaving me with a debt of {$100.00}. in the end i opened a apple card, made a purchase, returned everything and still have a balance on the Apple card. For a XXXX dollar corporation to treat their customers like this is a complete joke. All i wanted to do was take advantage of financing for XXXX phones using the Apple card for me, my wife and my daughter. Its not just the {$100.00}. its also the countless hours i have been bounced around from department after department with the same results that no one can help and only a person from behind the scenes can help and no one is able to talk with them. the night of sleep i lost and all the gas and miles i put on my vehicle picking up and then returning everything. Apple is by far the worse customer support i have ever dealt with. i hope this message will help open the eyes of others and that they dont experience what me and my family went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: VA

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX 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