vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: TN

Complaint narrative:
I am submitting this follow-up to my earlier complaint about fraudulent activity on my credit report. Under FCRA Section 605b, Credit Reporting Agencies are required to delete any entries listed in an identity theft report, reference number XXXX. Attached are the documents needed to facilitate the removal of incorrect personal data and unauthorized inquiries from my report. Below is a list of items opened without my authorization : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. In compliance with FCRA Section XXXX05B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
-mistreated conduct, say '' i don't know " to every question i ask regards his paperwork request. 
-ask for the same documents that i have already provided causing delays process. 
-not filling the documentation on my behave for the city of XXXX XXXX assistance. 
-ignore my Emails. 
-pushing the closing dates for the XXXX time without reasonable explanation or explain my options. 
-asked for bank statement records for over 1 year ago which i don't believe to be with the guidance requirements documents.

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 2024-05-02 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: NY

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-02 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Abruptly and without prior notice, American Express Financial Services, issuer of my personal American Express Platinum Card, and two business cards ( American Express Business Platinum and American Express Blue Business Plus ), suspended my card access today ( XX/XX/year> ) on all three cards claiming that my account is under routine financial review. As part of this review I was asked to answer questions about my employer and private law firm and then to provide two recent paystubs from my employer and two bank statements from the the account I use to pay American Express, all of which I have done. My complaint is that this financial review is being done without any prior notice or warning or as a result of my failure to meet my financial obligations. Fortunately, I have other credit cards, personal or business. Yet, i use my American Express Cards frequently as two of the cards carry {$690.00} annual fees ( {$1300.00} total ). I am about to go on a business trip and have no access to the cards and the benefits they offer. American Express 's action are unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: AZ

Complaint narrative:
This is to follow up despite previous attempts and assurances, it appears that the fraudulent items have not yet been removed from my credit report. This ongoing issue is causing significant distress and financial concern for me, as it XXXX adversely affect my creditworthiness and financial standing. 

I can not stress enough the urgency of this matter. The presence of these fraudulent entries not only tarnishes my credit history but also undermines the integrity of the credit reporting system. 

Therefore, I urgently request that you take immediate action to rectify this situation by promptly removing the fraudulent items from my credit file. Additionally, I kindly ask for confirmation once this has been successfully completed. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts. 

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally contest and dispute the inaccurate reporting of the account on my credit report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of this account on my report. Therefore, I kindly request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXXXXXX

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 2024-05-02 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: 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. 
Account name XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX  Account Number XXXX, Account name : XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 


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 2024-05-02 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts and address listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX Account : # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, Account : # XXXX & XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account : # XXXX & XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account : # XXXX, XXXX, XXXX has violated my rights. 
XXXX. XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, Account : # XXXX, has violated my rights. 

In addition to the following address : XXXX XXXX XXXX, XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX violated my rights. 

I looked at my Experian credit report on XX/XX/year>, 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 1681e ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 supposed 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 2024-05-02 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-05-02 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: OH

Complaint narrative:
On XX/XX/XXXX, I applied for a loan with XXXX ( XXXX no. XXXX ) in the amount of {$370.00} to cover dental work at XXXX XXXX. The down payment was {$370.00}. However, a second loan was erroneously opened on XX/XX/XXXX, for the same services, requiring a down payment of {$130.00}, which XXXX XXXX had erroneously opened for the same services. This was during my XXXX ever visit to XXXX XXXX at which time I expected to start my first dental visit, rather than be led to her office, instead. When I brought it to her attention at that moment, she never made any attempt to explain that she had already successfully debited the {$130.00} for this erroneous agreement. She simply brushed me off, saying she'd take care of it. 

Nearing the end of paying-off my original loan with XXXX, it was during my inquiring with XXXX, XXXX agent with XXXX that XXXX was informed why I was seeing XXXX, rather than one Agreement inside my XXXX  dashboard. Before that time, it had never occurred to me to look for more than XXXX agreement. The additional XXXX XXXX showed as closed. However, XXXX only credited my bank account {$43.00} of the {$130.00} debited erroneously. XXXX advised me to reach-out to XXXX XXXX XXXX XXXX the balance of {$89.00} withheld of the {$130.00}. I did, immediately, and as always, XXXX would never return any of my calls, as I had requested. XXXX, a familiar-sounding voice, once again was whom I had asked to relate my message to XXXX for XXXX return call. I even stated that I wanted to receive a refund due me from being over-charged. 

The original loan account no. XXXX was reported to the credit bureau as having XXXX ( XXXX ) late payments beginning XXXX, XXXX of XXXX to XX/XX/XXXX, resulting in 60 days late. It was because I was trying to get clarity of the " actual loan amount '' due, now for almost two-years, because I wanted to verify, not only with XXXX, but also get verification from XXXX before XXXX payment on my loan in-full. I was seeking not only clarification, but financial restitution, as it related to the erroneous agreement and outstanding debit that XXXX owed to me. I did not trust XXXX XXXX. However, I went forth and paid {$150.00} in XXXX, and {$440.00} in XX/XX/XXXX to settle the XXXX no. XXXX with XXXX. 

In addition, yesterday, XX/XX/XXXX, since my recently updated credit report with Transunion for the first-time I recognized there are XXXX, rather than XXXX XXXX  accounts reported to Transunion, XXXX, there is a discrepancy with each loan amount reported to Transunion, and I am very suspicious to say the least that it doesn't make sense to me why that is. 

Thank you for your time and assistance, in reading my complaint.

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 2024-05-02 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: SC

Complaint narrative:
XXXX XXXX falsified the dates of the loan. I put in a dispute with the credit bearau in which they did an investigation and it was removed from my credit report. 
Then XXXX XXXX reported it again this year but this time they made the dates more recent. When I disputed it again the credit bearau reported it as accurate. Even though it clearly showed that the dates were changed to fit within the statue of limitations.

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 2024-05-02 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: SC

Complaint narrative:
XXXX XXXX falsified the dates of the loan. I put in a dispute with the credit bearau in which they did an investigation and it was removed from my credit report. 
Then XXXX XXXX reported it again this year but this time they made the dates more recent. When I disputed it again the credit bearau reported it as accurate. Even though it clearly showed that the dates were changed to fit within the statue of limitations.

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 2024-05-02 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: TX

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 explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation