vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I was informed by a representative of the XXXX XXXX XXXX that LexisNexis is reporting inaccurate information about my driving history, suggesting that I was involved in an accident that never took place. I therefore requested a copy of my LexisNexis driving history report directly from LexisNexis. I did this on two different occasions using their website interface ( their preferred method of requesting these reports ). My first request was made on XX/XX/year> ; my second request was made on XX/XX/year>. On both occasions, Lexis/Nexis refused to provide the report. Instead, they sent a denial letter. They did not give a clear and definite reason for making their refusal, other than that they claimed they were unable to " authenticate '' my identity. However, on both occasions, I entered all of the information that they requested, including my driver 's license number. I then contacted their customer service department to request the report verbally. Again, I provided all the information that was requested, including my driver 's license number. This was at the beginning of XXXX. The customer service representative insisted that all information looked correct and complete and that I would be receiving a hard copy report by mail within the federally mandated response time. At the conclusion of the call, I again asked the customer service rep to make sure that there were no potential problems with the request and was assured that I would be receiving a report. I have not received the aforementioned report, and in this last instance, I did not even receive a letter from Lexis/Nexis denying my request. Instead, they seem to have simply ignored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
A hard inquiry was made on my credit on XXXXXXXX by FEB/DESTINY and I did not apply or attempted to apply any sort of credit hard. I have no knowledge of this inquiry and no information from the company was provided to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX CFPB Complaint Against Experian for Refusing to Delete Outdated Address Complaint Summary : I am filing this complaint against Experian Information Solutions, Inc. for refusing to delete an outdated and inaccurate address from my credit report. Despite my formal requests to have the address removed, Experian has refused to act, stating that the address is attached to XXXX verified accounts. However, this address is no longer valid, and its continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and other privacy laws. 

Details of the Issue : On XX/XX/24, I submitted a formal request to Experian to remove an outdated address from my credit file. The address is no longer my residence, and I requested that Experian delete it from my credit report. In response, Experian refused to remove the address, claiming that it is tied to XXXX verified accounts. I believe this reasoning is flawed, as the address is no longer relevant or accurate and should not be part of my credit file. 

Violations and Legal Concerns : Experians refusal to remove the outdated address violates the following legal provisions : 15 U.S.C. 1681c ( a ) : This statute requires the exclusion of outdated or irrelevant personal information, including old addresses, from credit reports. 
15 U.S.C. 1681e ( b ) : This requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Opt-out and privacy laws : I have a right to control the sharing of my personal information, including outdated addresses, under various privacy and opt-out provisions.

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 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Basically I had alot of money invested with cash app bitcoin and it was stolen but alot of the transactions didnt show on my end until way later and for large amounts. Also had my debit card unauthorized charges made by people that didnt own a cash app with my name but the transaction still went through meaning anybody can find a debit card input it into there cash app and drain that persons account especially if they dont have alerts set up. Every time I spoke with someone whos english was broken and always ended in a result of no resolution made me feel more angry and upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: OH

Complaint narrative:
I do not have an account or any knowledge of XXXX  XXXX, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. I do not have an agreement or contract with this company, and am at will to sue. '

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 2024-10-02 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: OH

Complaint narrative:
I do not have an account or any knowledge of XXXX  XXXX, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. I do not have an agreement or contract with this company, and am at will to sue. '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2024-10-02 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Zombie mortgage scam. I filed a XXXX  XXXX in 2017 which got rid of my mortgage and removed it from my credit report, Rushmore Services has changed their name multiple times within XXXX months and now calling themselves NationStar Mortgage. This mortgage company should not be on my credit report but it is. I have asked Rushmore or Rushmore Services or Nation Star Services or NationStar Mortgage to correct and remove from credit report but they have refused to give me any assistance. They violated Regulation Z part of the Truth In Lending Act with this Zombie mortgage. I didnt receive any statements from them notifying me that after XXXX years of removal from credit reporting they would put it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
I obtained a vehicle loan for a new car through Nissan Motor Acceptance on XX/XX/XXXX. The loan was paid in full on XX/XX/XXXX with XXXX balance. 

I pull my credit report XX/XX/XXXX and discover that Nissan Acceptance has reported my account as a charge off starting in XX/XX/XXXX in the amount of {$1000.00}, XXXX  months after I made the final payment and had a XXXX balance. 

I have reached out the Nissan Acceptance as well as XXXX numerous times ( dates listed below ) without response from Nissan Acceptance as well as this remaining on my XXXX credit report still reporting as " charge off '' until XX/XX/XXXX which starts it listed as " NR '' meaning not reported. 

This is currently still showing " Charge off '' on my credit report from XX/XX/XXXX - XX/XX/XXXX in the amount of {$1000.00}, XX/XX/XXXX shows not reported however the damage to my credit profile is there and lingering. 

This loan was complete and paid to a balance of {$0.00} in XXXX and should not be reporting Negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I needed to send a vendor {$3500.00} and Bank of America said I could do that quickly from my personal checking account to their personal checking account. The vendor gave me their information. I put through the transfer. A few minutes later Bank of America put the transfer on " hold. '' I do not have the option to cancel the transaction or re-do it. 

I called the BofA service number. I was put on hold for XXXX minutes and then was disconnected. 

I called the BofA service number again, and selected the " call back '' option. They called me back in about XXXX minutes. An automated voice called me back and said BofA couldn't help me at this time and disconnected me. 

I want this transfer either put through or cancelled. There is apparently no way to do that, and meanwhile it is on hold indefinitely, and no one at Bank of America will talk to me. 

I have attached the notice from BofA from their website.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not XXXX  % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX CHILD SUPPORT REF # : XXXX, has violated my rights. 

I looked at my TRANSUNION 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 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: CO

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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