vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
XX/XX/year> - Called Equifax regarding an extra Auto Car loan. A claim was issued. Asked me to call the Auto Car Loaner. 
XX/XX/year> - Called XXXX XXXX XXXX. They said there were only two Car Loans and sent via mail the contracts. 
XX/XX/year> - Received the results from the claim from Equifax. Still showing the XXXX Auto Car Loans. Called Equifax and disputed their claim. They issued another claim to the matter. 
XX/XX/year> - Received both contracts from XXXX XXXX. 
XX/XX/year> - Received the results from the second claim from Equifax. Same issue still occurring, called and told them that I had received the contracts from XXXX XXXX. A new Claim was issued. 
XX/XX/year> - Received the claim results showing the same mistake from Equifax. Called XXXX XXXX and they had nothing else they could do for me. Called Equifax and told me to file a Credit Fraud Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: AL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was added as an authorized user to XXXX XXXX  XXXXXXXX XXXX XXXX  on XX/XX/year>. I have been removed as an authorized user for about 13 months now since Last XXXX. Thats 12 billing cycles thats passed and that account is still on my credit report. Ive been trying to get this removed from my report for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was added as an authorized user to XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I have been removed as an authorized user for about XXXX  months now since Last XXXX. Thats XXXX billing cycles thats passed and that account is still on my credit report. Ive been trying to get this removed from my report for months now.

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 2024-11-15 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: AL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am reaching out to formally request your urgent assistance in resolving an issue with my PayPal Credit account, which was wrongfully and fraudulently closed without my consent. I was notified of the account closure through an unexpected email, which stated that my account had been successfully closed at my request. Concerned, I immediately checked the legitimacy of this message and confirmed that my account was indeed closed. 

Upon contacting PayPal Credit to report this unauthorized action, I clarified that I had never submitted a closure request and suspected that fraudulent activity might have affected my account. I have consistently adhered to all terms of service and maintained my account in good standing, with no missed payments. 

During my initial call, the first representative I spoke with dismissed my concerns, asserting that only I could have requested the account closure. After escalating my call twice, I was eventually connected with an agent who thoroughly investigated the issue. The agent noted discrepancies between account details, including mismatched names and account numbers, and informed me that the request to close my account had supposedly been submitted by lettera method I have never used. 

At that time, I was assured that this error would be resolved within XXXX weeks. I was relieved and willing to wait, expecting a resolution. However, nearly XXXX months have now passed, and repeated follow-up calls have resulted in dismissive responses, with representatives stating that there is " nothing they can do '' because they still regard this as a request initiated by me. 

I am seeking immediate assistance, as this wrongful closure has impacted my credit. I request that my PayPal Credit account be reinstated and that any associated credit impacts be corrected promptly. 

Thank you for your attention to this matter. I look forward to your response and an efficient resolution. 

XXXX XXXX XXXX XXXX XXXX acct ending in 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 2024-11-15 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: SC

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2024-11-15 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: SC

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2024-11-15 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Reference Number : XXXX Dear American Express XXXX, I am writing to formally dispute the recent denial of credit by American Express . This decision appears to violate several provisions of federal law, including 15 U.S.C. 1691 ( a ) ( 3 ) of the Equal Credit Opportunity Act ( ECOA ), which prohibits discrimination in credit transactions. I believe this denial was made without a valid basis and may have involved discriminatory practices, as defined under the ECOA.

Legal Basis for My Claim : 1. Violation of the Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 ( a ) ( 3 ) : The ECOA mandates that credit decisions must not be influenced by discriminatory factors. I have reason to believe that my application was not evaluated fairly. Case law such as XXXX XXXX XXXX XXXX has demonstrated instances where similarly situated consumers faced discrimination. I request an immediate review of the decision, ensuring compliance with the ECOAs non-discrimination requirements.

2. Truth in Lending Act ( TILA ) Violations - 15 U.S.C. 1602 ( j ) and 1605 : Under 15 U.S.C. 1602 ( j ), I hold an open-ended credit plan by virtue of the transactional nature of my application. Furthermore, 15 U.S.C. 1605 defines a finance charge as any fee or cost imposed directly or indirectly as a condition of credit. The inquiry made on my credit report constitutes a transaction receipt, confirming a credit decision and related finance charges, yet I received no benefit, which is inconsistent with 15 U.S.C. 1602 ( p ) regarding unauthorized use.

Demand for Resolution : I request that American Express : 1. Immediately reconsider and open the credit account.

2. Pay {$3000.00} in damages to resolve this matter, covering the costs and statutory damages under applicable federal statutes. 

Fees and Arbitration : Should you fail to resolve this issue promptly, I will have no alternative but to proceed with arbitration as outlined in the American Express Membership Rewards Terms & Conditions. This includes initiating arbitration with XXXX  or the XXXX XXXX XXXX ( XXXX ). As per your arbitration clause, if the claim proceeds, you will be responsible for arbitration fees beyond what I would have incurred in court. 
Moreover, if the arbitrator rules in my favor, I will seek relief greater than any final offer made prior to arbitration, including monetary damages and reimbursement for legal fees, per the provisions set forth in your claims resolution clause. 
Next Steps : Please respond to this notice within 30 days from the date of this letter. If I do not receive a satisfactory response, I will proceed with filing a claim for arbitration. 
Sincerely, [ XXXX ] [ Email : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: AL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: AL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Texas Mortgage Lending LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint regarding my mortgage experience with Texas Mortgage Lending LLC due to multiple issues I encountered during the loan process. Below are the key concerns : 1. Lack of Communication : Throughout the entire loan process, I requested several times that someone call me to discuss any updates my loan. E.g., on XXXX and XXXX, i asked someone to call regarding my earnest money payment. I wanted to utilize a credit card for this payment, and while I provided documentation showing the payment trail, my requests for a phone call were ignoredXXXX XXXX XXXX  guidelines do not explicitly prohibit using a credit card for earnest money payments to builder and then paying off the card with sourced funds. Even utilizing this card, it did not affect my dti ratios. However, my loan officer and processor failed to address this issue or explain why this method was not allowed. 
2. Preferred Method of Communication Ignored : I repeatedly requested to be contacted by phone, but both my loan officer and processor continued to email me despite my clear preference for phone calls. 
XXXX. Unjustified Survey Fee : I questioned why I was being charged for a survey fee when the purchase contract did not explicitly state that I was responsible for it although the builder provided it. I never received a satisfactory explanation or justification from the lender. 
4. Incorrect Information on Rate Lock and Closing Date : On XXXX, my loan officer informed me that we were still three weeks away from locking the loan, when in reality, we were within the correct window. The original close day was XX/XX/XXXX, then it changed to XX/XX/XXXX. Then XX/XX/XXXX. Additionally, XXXX incorrectly mentioned a closing date of XX/XX/XXXX, which was later confirmed as incorrect. This miscommunication may have led to a delay in locking my rate, causing me to miss out on a better rate. 
On XX/XX/XXXX, I reached out to XXXX to inquire whether we were within the 30-day window to lock the rate, considering our scheduled closing date of XX/XX/XXXX. XXXX replied that we still had another week to lock, which was inaccurate. This error cost me between 0.1 % and 0.4 % in interest, as average rates increased from 6.52 % on 10/16 to 6.63 % -6.90 % bXXXX XXXX 

I have a detailed record of all relevant emails and communications to support these claims. I would appreciate your assistance in investigating these matters and holding the lender accountable for the errors and lack of communication throughout this process. 

Thank you for your attention to this issue.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-15 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: AL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-11-15 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: AL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX is transacting with complete fraud. To keep it simple there is a charge on my account that neither they nor the merchant can provide proof of purchase for goods in my name. YET they continue to bill my account. this was charged on XX/XX/year>. This is fraud and outrageous. they are charging me interest and refusing to credit this account. AGAIN THEY HAVE NOT PROVIDED ANY PURCHASE PROOF OR RECEIPT OF GOODS FOR THIS CHARGE. This charge of XXXX and the interest related to this is UNLAWFUL. ( amex only credited me for XXXX meaning there is still XXXX on mob account of unlawful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.

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