vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: NY

Complaint narrative:
When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive reviewed my credit report and noticed the following inaccurate items. 

The accounts below are not mine : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2023 Account Balance : {$140.00} Account Status : Unpaid

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Subject : Complaint and Claim Against American Express for Identity Theft and Fraudulent Accounts To Whom It May Concern, My name is XXXX. I am writing to submit a formal complaint and claim against American Express regarding a case of identity theft and fraudulent accounts opened under my name. The unauthorized use of my personal information has caused significant financial and emotional distress, and I am seeking your assistance in resolving this matter. 

Identity theft occurred between XXXX and XX/XX/2022, during a period when I was outside the United States for visa renewal purposes. While I was in XXXX renewing my student visa, someone maliciously exploited my personal details, including my name, date of birth, and Social Security Number, to fraudulently apply for credit cards and apartments. Despite these criminal activities being carried out using their own address and contact information, I was completely unaware of these transactions until the damage had been done. 

The specific fraudulent American Express credit cards that were opened under my name are as follows : XXXX. XXXX XXXXXXXX XXXX XXXX card with approximately {$6000.00} in expenses. 
XXXXXXXX XXXX XXXXXXXX XXXX with approximately {$2000.00} in expenses. 

Upon discovering the unauthorized use of my identity on XX/XX/2022, I promptly took action to mitigate the situation. I contacted various credit card companies and apartment complexes to report the identity theft and initiated a police report through https : //www.identitytheft.gov. To address the immediate concerns raised by the fraudulent activities, I contacted American Express on XX/XX/2022, seeking guidance and resolution. 

Regrettably, the response I received from American Express was far from satisfactory. Instead of taking responsibility for the fraudulent accounts, I was advised to pay the minimum payments to protect my credit score while an investigation was conducted. Believing that this would help safeguard my financial standing, I followed their guidance and made payments on the aforementioned fraudulent accounts. 

Despite my cooperation and adherence to their instructions, I have encountered further difficulties in rectifying the situation. While American Express did address the derogatory information related to the Amex Blue Cash Everyday card following the submission of evidence and a police report, they have unjustly refused to acknowledge the fraudulent nature of the Amex Platinum Card. This refusal is in direct contradiction to the advice I received from an American Express representative who explicitly stated that I could pay the outstanding balance to mitigate the impact on my XXXXredit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2023, I arranged a recurring payment to XXXX XXXX for our car payment through PNC Online Bill Pay in the amount of {$710.00}. XXXX never received the payment so I notified PNC in early XXXX and they sent a letter to XXXX outlining the ACH payment info. XXXX could not locate the payment. This was later converted to an XXXX dispute on XXXX XXXX which PNC closed on XX/XX/2023 because they couldnt reach XXXX. I asked for it to be reopened and we then received a denial of our dispute on XX/XX/2023 stating no error had occurred. Upon discussing additionally with XXXX, they informed me the payment was sent to an unrelated bank ( XXXX XXXX Bank ) per the payee routing number on the original payment detail letter. This was passed on to PNC and they have since denied our XXXX dispute twice ( XX/XX/2023 and XX/XX/2023 ) indicating too much time had passed since they initially denied the claim. At no point had I ceased communication or not provided them with additional info to help locate our missing payment, but to date they have not even attempted to contact XXXX XXXX XXXX  when it was 100 % their fault for arranging payment to the wrong institution. It has been four months we have been without our money. Our first payment was late so we had to make a second payment to make up for the missing payment. We have been customers of PNC for many years and have never had a problem with Bill Pay. Its unfortunate this is how they treat their customers when an issue arises, much less when the issue is caused by their negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
If after reinvestigation under paragraph ( XXXX ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. 

I am not liable for this debt with XXXX XXXX Bank. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern, I hope this letter finds you well. I am writing to seek your assistance in resolving significant inaccuracies on my credit report, which have adversely impacted my life and financial standing. I believe that multiple creditors have violated important consumer protection laws, and I am seeking your intervention to rectify these violations. 

I have identified a series of accounts and inquiries on my credit report that appear to be in violation of the Fair Credit Reporting Act ( FCRA ). The specifics of these accounts and violations are as follows : XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXXXXXX XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Potential FCRA Violation - Unauthorized Inquiry XXXX. **PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Violation : Potential FCRA Violation - Inaccurate Personal Information These inaccuracies have significantly affected my financial well-being. [ Share your personal story here. Detail the emotional and financial distress these inaccuracies have caused, such as being denied credit opportunities, job prospects, housing applications, or any other relevant impact on your life. ] I urge the Consumer Financial Protection Bureau to enforce the legal protections established by the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of credit reporting. I kindly request your intervention to address these violations and request that the respective creditors remove these unverified and potentially inaccurate accounts from my credit report. 

Please provide me with written confirmation of your actions and the resolutions of these disputes within the legally mandated time frame. I sincerely appreciate your attention to this matter and your commitment to protecting consumer rights. 

Thank you for your time and consideration. 

Sincerely, 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 2023-08-15 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: GA

Complaint narrative:
Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus XXXX, XXXX and Transunion ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge.

According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided.

In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.

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 2023-08-15 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: GA

Complaint narrative:
Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus XXXX, Experian and XXXX ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge. 
According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided.

In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.

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 2023-08-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted three credit disputes with Experian on XX/XX/2023 we have dated time stamped recite. Experian failed to investigate 2 of the disputes submitted as of XX/XX/2023.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to seek your assistance in resolving significant inaccuracies on my credit report, which have adversely impacted my life and financial standing. I believe that multiple creditors have violated important consumer protection laws, and I am seeking your intervention to rectify these violations. 

I have identified a series of accounts and inquiries on my credit report that appear to be in violation of the Fair Credit Reporting Act ( FCRA ). The specifics of these accounts and violations are as follows : XXXX. XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Potential FCRA Violation - Unauthorized Inquiry XXXX. **PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Violation : Potential FCRA Violation - Inaccurate Personal Information These inaccuracies have significantly affected my financial well-being. [ Share your personal story here. Detail the emotional and financial distress these inaccuracies have caused, such as being denied credit opportunities, job prospects, housing applications, or any other relevant impact on your life. ] I urge the Consumer Financial Protection Bureau to enforce the legal protections established by the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of credit reporting. I kindly request your intervention to address these violations and request that the respective creditors remove these unverified and potentially inaccurate accounts from my credit report. 

Please provide me with written confirmation of your actions and the resolutions of these disputes within the legally mandated time frame. I sincerely appreciate your attention to this matter and your commitment to protecting consumer rights. 

Thank you for your time and consideration. 

Sincerely, 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 2023-08-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Account Number : XXXX {$48.00} balance - open date XX/XX/XXXX Grain Technology Account Number : XXXX {$300.00} balance- open XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1000.00} balance Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1200.00} balance Open date XX/XX/XXXX AFFIRM XXXX account number XXXX balance {$540.00} open date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX 336 Dayton, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX Employ XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief