vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 
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 2023-08-11 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: PA

Complaint narrative:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute and address concerns regarding the way the XXXX XXXX XXXX XXXX ( ending in XXXX ), for which I am an authorized user, is being reported on my credit reports. Additionally, I kindly request that my authorized user status and membership start date be accurately reflected, as these details are vital for maintaining an accurate credit history. 


As an authorized user on the shared XXXX XXXX with my wife as the primary cardholder and my daughter also being an authorized user, it's crucial that the credit reporting accurately represents my association with this card. I highly value the unique feature of the XXXX XXXX- the absence of a traditional pre-set spending limit. This aspect offers unparalleled flexibility, making it essential that the credit reporting accurately reflects this for both primary cardholders and authorized users. I kindly request that the reporting clearly communicates that this card operates without a predetermined credit limit, as it's one of the standout benefits of the XXXX XXXX. Presently, my utilization appears inaccurate and incorrect. 


Furthermore, I've noticed that the recorded membership start date for my authorized user status isn't precise in my credit history. An accurate representation of when I became a member is essential for a detailed portrayal of my credit journey. I respectfully request that you verify and rectify this date to show a more accurate depiction of my credit history. 


While I understand that errors can sometimes occur, I want to emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA mandates that credit reporting agencies and creditors, such as XXXX XXXX, handle disputes with precision and impartiality. I kindly request that this dispute be managed fully in line with the FCRA, with any necessary corrections made within the stipulated time frame. 

I request that my credit report be updated to all credit reporting agencies. 

Thank you for your time and attention in addressing my concerns. I genuinely value my relationship with XXXX XXXX and believe that through collaboration, we can successfully rectify these matters. The goal is an accurate and equitable representation of my credit history in connection with the distinctive features of the 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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern PLEASE UNBLOCK XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX. PLEASE UNBLOCK SO THAT WHEN XXXXXXXX XXXX REPORTS MY INFO AGAIN, IT REPORTS ON MY CREDIT REPORT AGAIN. I NEVER ASKED FOR THIS ACCOUNT TO BE REMOVED. IT FIRST REPORTED IN XXXX BUT AFTER THAT WAS REMOVED WITHOUT MY KNOWLEDGE. PLEASE UNBLOCK. I HAVE TRIED TO FIX THIS ISSUE EARLY THIS YEAR AND WAS COMPLETELY IGNORED. I EVEN SENT A PHYSICAL LETTER BUT STILL IGNORED. PLEASE RE-INSERT XXXX XXXX XXXX  ACCOUNT XXXX. I NEVER ASKED THIS ACCOUNT TO BE REMOVED. XXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ). PLEASE RE-INSERT. CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXXXXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) account : XXXX, PLEASE RE-INSERT/UNBLOCK. IT HAS NOT BEEN REPORTING ON MY EQUIFAX CREDIT REPORT FOR MONTH 'S. THIS IS DEFAMATION OF CHARACTER, AND EQUIFAX HAS COMPLETELY IGNORED MY RIGHTS. I DID NOT AUTHORIZE THIS ACCOUNT FOR XXXX XXXX XXXX  ACCOUNT XXXX TO BE REMOVE. PLEASE RE-INSERT. UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act Convergent. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXXXXXX XXXX  CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) to current. 

PLEASE RE-INSERT MY ACCOUNT BELOW : PLEASE RE-SERT THIS ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX PLEASE RE-SERT THIS ACCOUNT BACK ON MY CREDIT REPORT. 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I noticed multiple Auto loan inquiries on my Credit report all dated on XX/XX/2022. I have reached out to the individual companies and was told to dispute this information with the CRA. I requested that the Equifax and the inquiry company provide proof of my instruction to allow several hard inquiries. I had to freeze my credit report when this initially happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to dispute and address concerns regarding the way the American Express Platinum Card ( ending in XXXX ), for which I am an authorized user, is being reported on my credit reports. Additionally, I kindly request that my authorized user status and membership start date be accurately reflected, as these details are vital for maintaining an accurate credit history. 


As an authorized user on the shared Platinum Card with my wife as the primary cardholder and my daughter also being an authorized user, it's crucial that the credit reporting accurately represents my association with this card. I highly value the unique feature of the Platinum Card- the absence of a traditional pre-set spending limit. This aspect offers unparalleled flexibility, making it essential that the credit reporting accurately reflects this for both primary cardholders and authorized users. I kindly request that the reporting clearly communicates that this card operates without a predetermined credit limit, as it's one of the standout benefits of the Platinum Card. Presently, my utilization appears inaccurate and incorrect. 


Furthermore, I've noticed that the recorded membership start date for my authorized user status isn't precise in my credit history. An accurate representation of when I became a member is essential for a detailed portrayal of my credit journey. I respectfully request that you verify and rectify this date to show a more accurate depiction of my credit history. 


While I understand that errors can sometimes occur, I want to emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA mandates that credit reporting agencies and creditors, such as American Express, handle disputes with precision and impartiality. I kindly request that this dispute be managed fully in line with the FCRA, with any necessary corrections made within the stipulated time frame. 

I request that my credit report be updated to all credit reporting agencies. 

Thank you for your time and attention in addressing my concerns. I genuinely value my relationship with American Express and believe that through collaboration, we can successfully rectify these matters. The goal is an accurate and equitable representation of my credit history in connection with the distinctive features of the Platinum Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My former mortgage company transferred my mortgage to Shellpoint in XXXX, told me in XXXX. XXXX XXXX applied a grant for {$7000.00} from approved grant from XXXX to XX/XX/XXXX. In XX/XX/XXXX referred me to foreclosure and I filled at least XXXX complaints with the Consumer Financial Protection Bureau for not accepting the ILHAF payment and trying to get my home foreclosed fast. Now my New Mortgage Company, XXXX XXXX, says I owe {$2800.00} for legal fees, maintenance fees and property inspection for XXXX  months in a row from XXXX XXXX. These charges were not on my statement XX/XX/XXXX and now they are from XXXX. Fraudulent charges that should not be there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: CA

Complaint narrative:
I am a victim of Identity Theft. These items I found on my credit report were opened without my knowledge, consent, or authority. These items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge and reporting DELETED accounts/information from other bureausXXXX 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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-08-11 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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPE BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, 1 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 explanation
Consumer complaint received 2023-08-11 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX 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 explanation
Consumer complaint received 2023-08-11 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: NY

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
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 2023-08-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: IA

Complaint narrative:
I applied for a Class A tractor-trailer driving position with a contractor for XX/XX/XXXX. First Advantage ran the background screening and, when finished, submitted a report with incorrect driving information to the contractor and XX/XX/XXXXthat caused me to not get the job. A previous employer submitted correct information to the XXXX driver database, but First Advantage took the info and entered it incorrectly into their system saying I hadn't driven a tractor-trailer for that particular previous employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: VA

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 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 2023-08-11 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: VA

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 2023-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had a wire transfer from my savings account at RBFCU to XXXX XXXX for a down payment deposit and realized 2 days later that its a fraudulent email and account. My back said since I authorize, I can not file a fraudulent claim with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a message from the bank saying that there was an abnormal card use. I immediately suspended the card and reported my unused card statement. 
I explained to the bank via XXXX XXXX the stores I hadn't been to and asked them to compare my card usage time with my location. 
I didn't lose the card and it was used at XXXX XXXX around the time I used it at XXXX XXXX XXXX. 
I made a claim about this twice, but they didn't accept it, and they didn't send me any documents to support their decision. I visited the stores where a large amount was used and asked to see the card usage time and XXXX, but they said they couldn't give it because it was personal information and told me to ask through the bank, and told the bank the information. But I don't know if they requested that information. 
I think I was scammed by card duplication

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 monetary relief