vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear XXXX, I am writing to request that the Consumer Financial Protection Bureau ( CFPB ) remove fraudulent accounts from my Experian and XXXX credit XXXX. These accounts were opened without my knowledge or consent, and have had a severely negative impact on my credit score and overall financial standing. 

The fraudulent accounts in question are as follows : XXXX, opened on XX/XX/XXXX with a balance of {$710.00}, XXXX XXXX, opened on XX/XX/XXXX with a balance of {$3300.00}, and XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00}. I have never had any accounts with these institutions, and did not authorize anyone to open them on my behalf. 

As a victim of identity theft and fraud, I have taken all necessary steps to rectify the situation, including contacting the Federal Trade Commission ( FTC ), and placing a fraud alert on my credit reports. Despite my efforts, these fraudulent accounts continue to appear on my credit reports, and have caused significant harm to my credit score and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit reports. I am requesting that the CFPB take immediate action to remove these fraudulent accounts from my Experian and XXXX credit reports, and to ensure that they do not reappear in the future. 

I appreciate your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, 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 2023-04-12 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: OH

Complaint narrative:
Dear XXXX, I am writing to request that the Consumer Financial Protection Bureau ( CFPB ) remove fraudulent accounts from my XXXX and TransUnion credit reports. These accounts were opened without my knowledge or consent, and have had a severely negative impact on my credit score and overall financial standing.

The fraudulent accounts in question are as follows : XXXX, opened on XX/XX/XXXX with a balance of {$710.00}, XXXX XXXX, opened on XX/XX/XXXX with a balance of {$3300.00}, and XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00}. I have never had any accounts with these institutions, and did not authorize anyone to open them on my behalf. 

As a victim of identity theft and fraud, I have taken all necessary steps to rectify the situation, including contacting the Federal Trade Commission ( FTC ), and placing a fraud alert on my credit reports. Despite my efforts, these fraudulent accounts continue to appear on my credit reports, and have caused significant harm to my XXXX XXXX and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit reports. I am requesting that the CFPB take immediate action to remove these fraudulent accounts from my XXXX and TransUnion credit reports, and to ensure that they do not reappear in the future. 

I appreciate your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, 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 2023-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-04-12 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: NCB Management Services Inc.
State: AZ

Complaint narrative:
This company has refused also ignored my notices in the mail to verify the account that I have conditionally accepted with proof. NCB MANAGEMENT refused to acknowledged my certified notice.. i have mailed, sent a cfpb XXXX and XXXX complaint and they refuse to report accurate information on my consumer report.. NCB Management was removed from my XXXX and still remains to XXXX and XXXX. I also didnt recieve the 3 disclosures before furnishing negative report on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: MS

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX I refinanced two mortgages with my credit union, Schools First Credit Union. At the end of the refinance process I only received closing documents for the one of the home but no the second home. When I inquired about the missing documents I was told to wait because of course the County of XXXX XXXX was backed logged. I wanted a complete year. I notice that only the taxes on my primary home was paid in XXXX of XXXX, so I inquired about the second home not being paid. They ignored my concerns so I paid the complete bill myself. It is only then that they tried to come behind and pay the same bill ; however, my payment cleared first. The credit union has yet to give me back the refund the county sent back to them in XX/XX/XXXX. I then went into the back on XX/XX/XXXX and spoke to the same Manager, XXXX XXXX, whom helped me earlier in XX/XX/XXXX. She informed my that they would put the money into my checking account in 5 days. Instead the institution took an other withdrawal from my escrow account and sent it to the County. Schools First was given proof that XX/XX/XXXX and XX/XX/XXXX taxes had been paid in full by in XX/XX/XXXX by me. 

Their mishandling of paperwork and my funding has caused emotional and financial hardship. It is giving me XXXX  and I can not catch a break with my bills and spending because they have not refunded me the money. It seems that their institution is penalizing because I inquired about the missing documents at the end of the refinance. They have been dismissive and seemingly punitive toward me and my accounts ever since. I feel harassed and financially victimized.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 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: CA

Complaint narrative:
My spouse XXXX XXXX who is an additional card member booked the hotel- XXXX XXXX with her AMEX card. The hotel reservation was from XX/XX/XXXX to XX/XX/XXXX. When she reached the hotel she noticed that the hotel room was very dirty and not like how it was in the photos. The photos listed in the website and the actual photo of the hotel room was very different. 

I had opened a dispute with Amex earlier and the dispute reference number is - XXXX Transaction in question - XXXXXXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card Member : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-12 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( 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 when such an action is a clear violation of my consumer rights in accordance with the FCRA XXXX! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: CA

Complaint narrative:
XX/XX/XXXX, 2023. 

I have a medical bill reporting as a collection on my credit report from an out of network provider named, XXXX XXXX XXXX XXXX, who is trying to collect a debt for medical related services without my prior authorization, in the amount of {$1400.00}. 
XXXX XXXX XXXX XXXX is violating my right under the " No Surprise Act of 2022 ''.

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 2023-04-12 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: AZ

Complaint narrative:
This company has refused also ignored my notices in the mail to verify the account that I have conditionally accepted with proof. XXXX XXXX refused to acknowledged my certified notice.. i have mailed, sent a cfpb Experian and XXXX complaint and they refuse to report accurate information on my consumer report.. XXXX XXXX  was removed from my XXXX and still remains to experian and XXXX. I also didnt recieve the 3 disclosures before furnishing negative report on my consumer 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 2023-04-12 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-12 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ( AMERICAN CREDIT ACCEPTANCE XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: AES/PHEAA
State: TX

Complaint narrative:
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( FED LOAN SERV XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-12 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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