vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the response from the XXXX department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXX  XXXX FDIC. We take all matters which affect our XXXX members very seriously. XXXXXXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX  rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap

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 2024-03-13 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:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: OH

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Please remove Late payment! ( Account info down below ) Account XXXX XXXX XXXXXXXX Creditor / XXXX XXXX XXXX XXXXXXXX XXXX/ {$5000.00} Payment status / 30 days late Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The item above should all be updated to paid as agreed on my consumer report. 

As a consumer by law these accounts on this letter must be updated to positive immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Clarity Services , IncXXXX, A part of Experian Consumer Support Division Reference Number : XXXX I was asked again by Clarity Services to send in my Social and Drivers license after I sent in the required information to freeze my credit report. I will not subject myself or my private information again through mail. I'm putting my identity at risk for theft. I already had asked and once again I'm requesting for Clarity Services to freeze my credit report. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I request to have my account frozen. I will not and I repeat will not send my Social Security in the mail like before.

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 2024-03-14 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have invested in Coinbase.com. XX/XX/12 I got a text saying there was an unauthorized attempt to access my account and that I should change my password. I am unable to access my account and the customer service line does not respond. Put me on a 4 hour hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING is a third-party debt buyer and I have never contracted with this company. They have obtained my information without my consent and are reporting to the credit reporting agencies without my consent as leverage to force payment even though I am not legally obligated to. Due to LVNV FUNDING reporting to the credit reporting agencies my ability to obtain credit and the necessities for my household has been hindered, damaging my financial progress. I have been denied credit due to this collection account. This is an adverse item of information being reported without my permission which is a violation according 15 USC 1681c ( a ) ( 5 ).

I am a federally protected consumer per the FCRA. I am opting out of reporting per 15 U.S.C 6802 and 16 C.F.R. 313. Any authorizations whether it be verbal, non-verbal, written, implied or otherwise is hereby revoked. I know that I can opt out at any time and that demand shall remain in effect until I revoke that order in writing per 16 C.F.R. 313.7 ( f ) ( g ).

I have the right to make sure my private information isn't shared which is according to 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I demand that this item is removed immediately from my credit report and I am compensated for the damage caused by the reporting of this adverse information on my credit report.

I have attached a copy of the letter I sent which was neither replied to nor acted upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act all accounts listed with this consumer reporting agency " LEXIS NEXIS '' has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Lexis Nexis XXXX XXXX XXXX has violated my rights. 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. 
I have reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. Lexis Nexis assumed this role without permission not only that they did not have my consent. Lexis Nexis did not respect my right to privacy which is under 15 USC 1681 a number 4. Lexis Nexis did not exercise grave responsibility, they were unfair, they were partial. Im taken the liberty to file a CFPB report and an attorney general 's complaint. Lexis Nexis never had permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place. 

Attached are Denial Letters from XXXX & XXXX both of which denied me access to my credit report after submitting all necessary documents. After years of failed attempts, failed phone calls its time to be treated fairly and not unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover bank use my information to open a credit card in my name with out my authorization, they are committing fraud, this card was not open by me and they are ignoring the fact that they will be sued and pay for damages and my lawyers fees if this is not removed i will send a letter f intent to sue, they will pay for arbitration and since I have complaints that i have filed, I have even a rep I can contact and have in court or in arbitration that has evidence of me being a victim of identity theft, I will sue for as much as I can get, now take this account off my credit report, this is my last and final warning to this bank, take it off or be sued and tell turn this over also to the attorney generals office and I will contact an investigator from the news media regarding this issue, they would love to run a story showing that this bank is stealing and using my personal information to defraud me and commit fraud and use my identity to establish this account with out me knowing about this account is not mine now take it off. I never open no account through any website. Yall are stealing my personal information I dont appreciate it at all, I wlll sue and I will put this on national television , channel 5 which is XXXX XXXX will live to know and will throw yalls reputation under the bus and you will lose business. Leave my name and my personal information out of this or will own that company, your investigation shows someone other than me open that account all yall are doing is blaming someone so you can constantly steal my information, CFPB yall need to investigate discover bank Im not the only one they have used their information to commit fraud, I have tons of information that discover has ignored, Im asking for yall to investigate and fine this company and its affiliates, my information was found on the dark web by someone and it has been used, I have documentation from the IRS stating that my information was found by someone that had used to gain a credit card and discover has ignored it, I am a victim of identity and I have documents to prove that, if discerning doesnt want it be sued, take the account off its not my credit card period

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
I submitted PSLF and Mohela said I qualified and then discharged my loans from my account in XX/XX/2023. In XXXX I received an email saying my loans were in administrative forbearance, so I called. They said they made a mistake when they forgave my loans so I needed to recertify and start paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

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 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
On XX/XX/2023, got an auto loan through united auto acceptance. Car got in accident and tattooed, ( not at fault ). XXXX Took forever to send me papers. got a repo notice. Wasnt paying loan, was told not to pay it since I did not have the car. It is totaled. Now its on credit 60 days late after XXXX  XXXX  did not do through their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been discriminated against. The company is violating their own policies & agreements per the Securities Act of 1933 and Consumer Protection Act. According to their own documents they can not determine approvals based on fico or on assumptions of a consumer being able to pay in the future. They took my security without extending me credit and wont return it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute a late payment entry on my credit report that appears to be incorrect.

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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I try to withdraw cash at ATM for {$420.00} including ATM fee a transaction around {$420.00} but a ATM only give out cash {$100.00} which 5 of {$20.00} bills at dispenser. Which mean they owe me {$320.00} after all.I dont have a receipt for a withdrawal but I called an ATM customer service right away after an issue to see what they can do for me but agent said it will be best for me to file dispute though my chime bank. They provide me with a case reference number. After I hang up from ATM customer service and called Chime to file a dispute right away but since it on pending they cant creat a dispute case. 
On XX/XX/XXXX, a transaction was approved and not on pending, I called my bank back to let them know so they can create a case, they said it will take 4-5 days for investigation. Come to XX/XX/XXXX, my dispute case was denied. I have give them what I have to help get my money back.

Company response to consumer: Closed with explanation