vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am contacting you today due to my three American Express accounts having has been closed due to Amex FCRA violations for reporting inaccurate information and failure to correct errors, breach of contract as they failed to fulfill their obligations under the card agreement, and negligence & fraud as their actions caused me financial harm and damage. 

My closed American Express accounts : Green card ending in XXXX Cash magnet ending in XXXX Blue card everyday card ending in XXXX My green card had a XXXX balance with a credit of {$1600.00} which is owed to me due to a balance transfer that american express refused to do and amex withheld my funds and stayed that unless I paid of my other card balances they will not release my funds. 


My cash magnet card balance of {$4300.00} Half of the balance was one purchase {$2000.00} I provided amex evidence in my dispute and via email before and after, that the merchant agreed and accepted to refund me due ti my having had paid in full with a credit issued separate from my amex payment. 

When amex reached out to the merchant she told she is keeping the funds and decline to refund me even though she got paid twice for one purchase for a two week stay at a hotel room in hawaii. 

I provided in depth explanations for all disputes documented with amex they failed to refund me the total balance of my cash magnet card for around one year until my accounts were all closed as a result. 


Blue cash everyday card {$1100.00} balance and was due to disputes that were not processed properly, so I couldnt pay off any remaining balance. 


I have been in contact via email with American Express president XXXX XXXX via email, he passed the disoite department complaints down to the executive department XXXX XXXX XXXX and he then passed the complaints down to the dispite department and none of them ever did anything to help nor ever returned any of my emails never again. 

I then contacted XXXX credit bureau and filed a dispute to correct these errors, but American express still did not fix the issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 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: NC

Complaint narrative:
I feel that someone is using my identity. There is a social security number on my credit file that does not belong to me. My social security number ends in XXXX. I have listed the accounts that does not belong to me below. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. SOCIAL SECURITY NUMBER ENDING IN XXXX THIS IS MY SOCIAL SECURITY NUMBER.

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 2024-05-13 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: MA

Complaint narrative:
I see numerous fraudulent inquiries in my report that i want to be removed. Please help me remove them as they are really hurting my account. Thank you. 

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 2024-05-13 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 had received letters in mail from some collection agency in the past couple of years that I thought were fraudulent and did not respond to except for the last one a few months ago. I tried to call the number on the letter and got a different company. Seems like it was an energy company and not the company on the letter. I have never requested a personal loan from XXXX XXXX XXXX for {$300.00} or any other amount and decided it was a scam trying to get me to pay to get rid of them. I don't have any debt and pay my credit cards off monthly. 
Recently, XXXX XXXX XXXX put a negative comment in my credit report that I did not pay this debt, which was {$910.00} with fees and interest. It dropped my credit rating from the lower XXXX range to upper XXXX range. I assume they bought the debt or somehow ended up as a collector for XXXX XXXX. Bounce AI was contacted on XXXX and XXXX and told I was disputing the debt. They said they would put it in dispute and send information to my email address within XXXX hours but it was not received as of today ( I checked XXXX also ). 
I contacted Experian today to start a dispute and they had me start a fraud dispute with XXXX which directed me to 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 explanation
Consumer complaint received 2024-05-13 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
identity theft, These accounts XXXX XXXX XXXX and CREDIT CONTROL SERVICES INC do not belong to me. I have no contract with either of these companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
The following inquiries appear on my credit report and have not been authorized. Needs to be removed asap THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERSMISSION OR WRITTEN CONSENT OR PERMISSION.. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMIVED FROM THERE SYSTEM ALSO 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX # XXXX OPENED : XX/XX/XXXX XXXX. {$21000.00} XXXX XXXX XXXX # XXXX OPENED : XXXX XXXX. {$1700.00} THE XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/XXXX XXXX. {$1300.00} XXXX ( XXXX XXXX ) # XXXX OPENED : XX/XX/XXXX XXXX. {$860.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX # XXXX OPENED : XX/XX/XXXX XXXX. {$21000.00} XXXX XXXX XXXX # XXXX OPENED : XXXX XXXX. {$1700.00} THE XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/XXXX XXXX. {$1300.00} XXXX ( XXXX XXXX ) # XXXX OPENED : XX/XX/XXXX XXXX. {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, I have a loan account with NEWREZ LLC c/o SHELLPOINT MORTGAGE SERVICING with account number XXXX for property address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I noticed that there have been high escrow charges collected on the account for last couple of years and made a complaint on the same an year ago. There was not any resolution despite of me contacting them multiple times. When I contacted the provider recently, I came to know that they are paying taxes for an address that is not on loan file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. These are XXXX XXXX XXXX The original parcel that my property is located is from XXXX XXXX is XXXX. I am really shocked and wondering why a mortgage company would pay taxes for an address that is not on file. When asked the same, they have no answer. Request you to investigate this issue and kindly compensate all the additional payments made to the tax collector ( XXXX XXXX ) for the last 2 years along with additional compensation for all the inconvenience

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
On XX/XX/2023 I was involved in a car incident at XXXX XXXX that resulted in the front end of my car being ripped off and the other vehicle having a damaged tire and scrapes on the side. I exchanged insurance information with the driver and returned to work while on a XXXX shift. I serve in the XXXX XXXX and was on this shift at this time and went to grab breakfast. I filed a claim with my insurance company at the time ( XXXX ). XXXX proceeded to claim I did not have a driving insurance policy even though I was paying for collision coverage which by XXXX 's definition states it is for when your vehicle is in motion and you are at fault when you collide with another object. A few weeks later, the driver of the other vehicle notified me that XXXX refused to pay for the damages to his vehicle. 

A year had passed, and a company named " National Service Bureau '' contacted me from a Washington XXXX number, claiming to represent XXXX XXXX ( the insurance company of the other party ). They asserted that I owed XXXX a significant amount of money, or my driving privileges would be suspended/revoked. They proceeded to call my aging mother at her home in Maryland even though I had not lived there for a few years. They appeared to use a different phone number each time they called and it would occasionally be labeled as " spam '' or " potential scam. '' I sent a debt dispute to the XXXX and provided an address to send written correspondence to that was my up-to-date residence. The XXXX continued to call my mother halfway across the country and she is the only person I know to have received any mail from them. I have not received a piece of written mail from them, my unit has not notified me of any mail from the XXXX, and I did not receive any mail from the XXXX out of my UPS box. They continue to claim I owe this debt over the phone over the false assertion that I had no car insurance at the time of the incident. They also continue to threaten to revoke/suspend my driving priviledges under this false assumption.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-13 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX and XXXX Account name : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX homestores # XXXX, XXXX XXXX # XXXX and # XXXX, XXXX # XXXX, Account Name : XXXX  XXXX # XXXX have violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-13 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: MI

Complaint narrative:
I am currently in the home buying stage, where I soon realized I have damage & negative items on my credit report. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation of my character, as all of those listed are fraudulent accounts.My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX open XX/XX/XXXX balance {$18000.00}. XXXX XXXX XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXXXXXX XXXX  opened XX/XX/XXXX balance {$670.00}. XXXX XXXX XXXX  opened XXXX XXXX balance {$1100.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$220.00}. 
XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXX XXXX XXXX balance {$2100.00}. XXXX XXXXXXXX XXXX opened XXXX XXXX Balance {$10000.00} fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX, XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI 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 2024-05-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX EXPERIAN XXXX CRED XXXX MORTGAGE SERVI ASCENTIUM CAPITAL LLC TD RETAIL CARD SERVICE ZOOT/DAIMLER TRUCK XXXX CARD

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 2024-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 I.C. SYSTEM, INC ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has violated my rights. ALSO FALSLEY REPORTING A DEBT THATS NOT MINE.

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 2024-05-14 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: GA

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.

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 2024-05-14 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: GA

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.

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