vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
WE NEED YOUR HELP! 
In late XXXX XXXX we were victims of a fraud. Our check for {$3700.00} mailed to XXXX XXXX was stolen and cashed by a third party through Bank Of America. 

Since XX/XX/XXXX, We have been trying to get that sum reimbursed. 
XXXX XXXX Bank states that they are not responsible but they are investigating the matter with the Bank of first deposit XXXX Bank Of America. 

At the beginning in XXXX XXXX, the case was going to be resolved in 120 days, as of today 200 days above the 120 days no resolution is in site. 
Bank of America when asked information about case XXXX they replay that they are still investigating the matter. 
The canceled check, the statements of XXXX XXXX Bank, the investigation by the District Attorney 's office of NY, are proof that a fraud was committed. Both institutions are responsible : XXXX XXXXXXXX XXXX and Bank Of America because they released the funds! 
CAN YOU HELP US PLEASE? 
It feels like we have been given the run around because we are senior citizens... 
We are more that willing to appear in person and provide all the files including copy of the canceled check and correspondence from XXXX XXXX If you need more information please do not hesitate to contact us.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I hope this message finds you well. I am reaching out to you again to inform you about a situation I have been facing with my Experian credit report and to request your assistance in resolving this issue. 

On XX/XX/2023, I filed a complaint with the number XXXX, expressing my concern about the sudden drop in my credit score during that month. Upon careful review of my Experian credit report, I noticed that two XXXX credit card accounts were added, which do not belong to me and are not related to my financial history in any way. The names and addresses associated with these accounts do not match mine, leading me to suspect that this may be a case of identity theft or an error in my Experian credit report. 

To support my suspicion, I attached an identity theft report to the complaint I submitted to you. However, to date, Experian has only removed one of the two accounts I reported as unrecognized and not belonging to me. The account that remains on my report is as follows : Account Name : XXXX XXXX Account Number : XXXX Balance : {$10000.00} I am writing to you because this situation is having a negative impact on my financial standing. I am planning to apply for a mortgage loan to purchase my primary residence, and this erroneous information on my Experian report is hindering my ability to secure the loan I need. I would like to emphasize that I have always been financially responsible, and both XXXX and XXXX can verify my history of timely payments and good credit reputation. 

Therefore, I request the removal of this inaccurate account from my Experian credit report. According to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC Section 1681i, I have the right to request the correction and removal of these errors from my credit report to ensure the accuracy and truthfulness of the information provided by credit reporting agencies. 

That is why I am reaching out to the Consumer Financial Protection Bureau, hoping that you can investigate and mediate in this matter to ensure my credit report is corrected promptly and accurately. I sincerely appreciate your prompt intervention in this matter and your support in ensuring that my credit history is restored with the correct information. 

Enclosed with this letter, you will find copies of relevant documents supporting my complaint, including the identity theft report I submitted. 

Thank you for your attention to this matter, and I trust that, with the assistance of CFPB, a fair and satisfactory resolution will be achieved.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I disputed the XXXX balance on the XXXX XXXX XXXX XXXX  because it was open fraudulently. And they have yet to remove it from my credit profile. And I also disputed a XXXX balance with Macys because it was open fraudulently as well.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed the XXXX balance on the first premier credit card because it was open fraudulently. And they have yet to remove it from my credit profile. And I also disputed a XXXX balance with Macys because it was open fraudulently as well.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since 2017 i have been enslaved and denied good credit access by XXXX and Trans union credit reporting about the accuracy of my personal information on my credit file they maintained according to the fair credit reporting act. XXXX currently is missing my date of Birth and my complete names and also listing old past credit accounts from XXXX XXXX, XXXX and XXXX XXXX that has been settled as charge off/collections and this has been impacting my credit scores since XXXX i have been Denied credits from various applications this is unfair and inaccurate. 
Trans union has denied me access to good credit since 2017 as they are missing my complete names and listing old settled accounts from XXXX, and lending club as chargeoff/collections greatly impacting my credit scores for years now. 
This two companies has listed XXXX  XXXX Bankruptcy in my credit reports missing accurate datails. This inaccurate reports has impacted my credit scores for years. 
Since 2017 i have been sending letters to this credit bureaus only XXXX saw the truth and has erased all negative items from my credit file.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
Hello CFPB team. 
XXXX XXXX, XXXX  and XX/XX/2023 I did a pre-approval and check my rates.On their website states that " Checking your rate will not affect your credit ''. I was approved, followed by hard inquiries and then they send me denial emails. I would not accept an offer if I would not be approved. In my humble opinion this is not a fair transparent pre-approval.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had a case of identity theft in XXXX. I have been attempting to place an extended fraud alert since with Equifax and have gone through round after round of sending things in only to have them send me a letter asking me to send in the exact information which I'd sent in before. Sometimes they alternate between asking for A and B, and then when I'd send that in, they'd ask for C and D, and when I'd send that in, they then go back to asking for A and B. I've switched to sending them all of the paperwork each time ( not just what they asked for ), but they are still sending me form letters asking for what I already sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Made several online disputes with Experian to remove 7 hard inquiries that appear on my credit report. All came back as verified and updated with no proof supplied, after I submitted several online disputes, asking for proof. There are also many instances of incorrect information on every one of my student loans listed. I am waiting to hear back from Experian on several online disputes on each student loan account listed. They are reporting late payments, which is incorrect. There are also a few instances of incorrect amounts listed on my student loans. This can be easily verified on the U.S. Department of Education website, which I have done in less than 24 hours. This is very upsetting that a credit bureau is allowed to report incorrect information on consumers credit reports, which adversely affects peoples livelihood. I would have never known if I didnt request my reports. 

Spoke with XXXX in the fraud department on XX/XX/XXXX and let her know that these inquiries were not mine. I know they can not be verified because I did not approve of these companies to run my credit at any time. I have asked for proof that these inquiries have been verified. I have not received proof. I would either like written proof that these inquiries are or have been verified ( my documented signature ). If these can not be verified with proof, I would like all of them removed from my credit report. I have made several calls before this, but sadly did not document those. This is unfairly affecting my livelihood and my credit file. I have the right as a consumer to request proof or request that they be removed from my credit file. 

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 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 2023-07-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Double Diamond-Delaware, Inc.
State: NJ

Complaint narrative:
This letter is to file a formal complaint against XXXX XXXX XXXX in PA and its affiliates Double Diamond XXXX  and United Equitable Mortgage Corporation. The complaint is for their refusal to cancel the land sales purchase and its associated loan I signed on Sunday XX/XX/2023. The request for cancellation stems upon the fact I was not given a copy of the property report of the land prior I signed on the loan for the land sales contract. According to real estate sales contract, buyers have the legal right to request the cancellation of the contract sale if the property report was not provided prior to signing on the contract. 

On Friday XX/XX/2023 I emailed XXXX XXXX XXXX, the sales staff at XXXX XXXX XXXX in PA along with XXXX XXXX XXXX, the referral staff at Double Diamond XXXX in Texas and XXXX XXXX XXXX, the mortgage consultant at United Equitable Mortgage Corporation to let them know I am requesting the cancellation of the land purchase. On Saturday XX/XX/2023, I sent a letter via certified mail to XXXX XXXX XXXX. As of this writing, I have yet to receive correspondence from the mortgage company. 

The land sales contract is for the Lot XXXX, XXXX Subdivision of XXXX XXXX XXXX, XXXX XXXX of XXXX Subdivision XXXX the township of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX of Pennsylvania. Its associated loan is serviced by United Equitable Mortgage Corporation. Please kindly note despite signing page XXXX of the attached document, I was not giving a hard copy of the property report. The company is using fraudulent tactics giving buyers a XXXX XXXX with no specific, accompanying information pertaining to property report nor giving access to a computer for the buyers to read the property report. 


I look forward to the Consumer Financial Protection Bureau to assist me with a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, 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: MI

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. 

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, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, 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: MI

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. 

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, has violated my rights. 

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In the past year as of XX/XX/2022, I have notified Experian that XXXX bankruptcies that Experian continues to report as accurate and verified is still being reported on my report. Fact is since XXXXXXXX XXXX XXXX XXXXXXXX of which Experian has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that Experian persists to be accurate and verified. Turns out that Experian has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to Experian 's unconscionable and illegal business practices of which they Experian DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

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. also states a consumer reporting agency can not furnish a account withought my written instructions.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

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. also states a consumer reporting agency can not furnish a account withought my written instructions.

Company response to consumer: Closed with non-monetary relief