vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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:
LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to formally dispute the alleged bankruptcy item listed on my credit reports, and I kindly request your prompt attention to this matter. 
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information contained in my credit report. I recently challenged this particular item with the credit bureaus, and their response stated that the account was verified with LexisNexis. However, my inquiry at the local courthouse has confirmed that they did NOT verify this information.

In compliance with 1681i of the FCRA, I hereby request that you provide me with copies of all documents or any other evidence that you have used to verify this alleged bankruptcy. Please send this information to me immediately. If you are unable to provide the requested documents or if the information is found to be incorrect, the law requires that you promptly delete this bankruptcy from my file. 
Allow me to stress that this incorrect listing is not only harming my financial reputation but is also casting a shadow over my personal character. I firmly believe that adherence to the legal requirements will rectify this matter. 
Please ensure that this issue is resolved within the 30-day time frame as stipulated by the FCRA.Failure to comply with this request may lead me to take further legal actions.

I appreciate your cooperation in this matter and anticipate a timely response. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I came across the lawsuit involving the CFPB, Experian, and XXXX XXXX. 

I believe I have been negatively impacted by this situation, which has harmed my chances of obtaining credit. I received a response to my earlier dispute stating that the account was " verified. '' Additionally, I am a victim of identity theft and am certain that these accounts were not opened by me. I request that you provide evidence of these accounts or delete and remove them.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I came across the lawsuit involving the CFPB, Experian, and XXXX XXXX. 

I believe I have been negatively impacted by this situation, which has harmed my chances of obtaining credit. I received a response to my earlier dispute stating that the account was " verified. '' Additionally, I am a victim of identity theft and am certain that these accounts were not opened by me. I request that you provide evidence of these accounts or delete and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CT

Complaint narrative:
I was placed into Administrative Forbearance but they are still accruing interest on my loans even though I am still awaiting them to process my IDR application. I am supposed to have XXXX XXXX interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent dispute letters to all three Credit Bureau 's, including all accounts. I also requested that they XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law and if they fail to comply with its obligations under FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I sent dispute letters to all three Credit Bureau 's, including all accounts. I also requested that they XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law and if they fail to comply with its obligations under FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: International Recovery Associates, Inc.
State: NJ

Complaint narrative:
My research indicates that I was overcharged for the medical service rendered. My insurance company already paid more than the fair market value of the services rendered. Do these medical conglomerates just get to charge senior  citizens living on social security whatever they want?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX has assumed the debt from a loan that I was unable to make payments to as I had financial issues for several months in 2024 that will be resolved this week. I am working with the company to develop a payment plan. They contacted MY BROTHER this week. I have asked them to CEASE and DESIST from contacting any family members or employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, my paycheck from my job of {$1300.00} was scheduled to be deposited into my Capital One 360 Checking account. By policy, these funds should have been available no later than that day, if not up to XXXX days earlier. Instead, they have been withheld indefinitely without explanation. 

I have spoken with multiple Capital One representatives on the phone, including : XXXX Who confirmed on XX/XX/XXXX at XXXX XXXX that Capital Onenot my employerwas withholding my deposit for an unspecified reason. 

XXXX Who demonstrated shockingly unprofessional behavior, including singing on the phone while I was trying to gather information. 

H Refused to provide an employee ID and incorrectly filed a missing deposit claim, despite the fact that my funds were not missingjust withheld. 

This is the second time in XXXX weeks that Capital Ones internal mishandling of deposits has caused me severe financial hardship. As a direct result of this most recent delay, I will not be able to purchase my plane ticket for a pre-planned trip to Washington, XXXX, forcing me to miss out on both a XXXX XXXX  visit and Valentines Day Trip with my partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After filing a report with the CFPB on XX/XX/XXXX. XXXX XXXX placed negative information on my credit dropping my XXXX XXXX XXXX points on Transunion. And caused a decline on my XXXX credit report as well. I have not applied for any new credit accounts in over 6 months. I am only forced to report that the recent drop on my credit score is out of retailation for filing a report against the company to the CFPB. After applying back in XXXX of XXXX, and receiving that loan without incident. XXXX XXXX XXXX XXXX maintained that account in active status and fully utilized the benefits of my signature on the Promissary Note with the Federal Reserve. And fully utilizing each new application after XX/XX/XXXX. I was denied credit approximately XXXX times for credit. Credit that would not exist without my electronic signature. Credit that according to 15 USC 1691, I can not be denied or discriminated against for any reason. But I have, and retailiated against for reporting to your agency.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After filing a report with the CFPB on XX/XX/XXXX. XXXX XXXX placed negative information on my credit dropping my credit score XXXX points on XXXX. And caused a decline on my XXXX credit report as well. I have not applied for any new credit accounts in over 6 months. I am only forced to report that the recent drop on my credit score is out of retailation for filing a report against the company to the CFPB. After applying back in XXXX of XXXX, and receiving that loan without incident. XXXX XXXX XXXX XXXX maintained that account in active status and fully utilized the benefits of my signature on the Promissary Note with the Federal Reserve. And fully utilizing each new application after XX/XX/XXXX. I was denied credit approximately XXXX times for credit. Credit that would not exist without my electronic signature. Credit that according to 15 USC 1691, I can not be denied or discriminated against for any reason. But I have, and retailiated against for reporting to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
We requested a forbearance on our mortgage due to loss of income. When we coming out of forbearance, we were offered a trial period to modify the loan. No documents were received by either mail or on the mortgage company 's web portal, we were not informed on the phone either. When we began paying the trial payments in XX/XX/year>, the lender began reporting late payments on the forbearance portions of the debt. We were never informed of this as a potential impact to this agreement. I called the company and the representative stated that nothing had been uploaded into to our portal and they did not know if documents were sent via mail. He did agree to upload the documents but said there was nothing to do regarding the past due reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The bureau refuses to update my personal information XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA 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 2025-02-11 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: AR

Complaint narrative:
The bureau refuses to update my personal information XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
XX/XX/year> till XX/XX/year> they received insurrance payments which is a fraud when there no insurance. 
XX/XX/year> the house was ruled none live able as XXXX ft long and XXXX ft tall was XXXX XXXX  ( we have photos and proof ) that been said the state removal the house and said was unlive able. they cant bill for somthing that they removal insurance and tryied to XXXX XXXX XXXX XXXX XXXX. house loans need to be remove off our scores me and my wife or they just need to be sue for fraud and damaged to our stuff that we lost. there many goverment agents know about it and local fire and pd to willing to take them to court to clean up there problem now they commint fraud on our fico score reporting all lies to cover up there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TN

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My credit was ran without my authorization 12 times on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nissan XXXX XXXX. I spoke to the branch manager XXXX and he said he would talk to the team regarding this issue, and while I appreciate the assurance that the sales team and management will be trained and educated to prevent future violations, this action does not rectify the damage already done to my credit report. It only helps the next person. My concern remains unresolved, and I need this issue to be addressed promptly. I wrote the company and they ignored my issue and request of compensation of {$12000.00} to a to address statutory damages under 15 U.S. Code 1681n, reflecting the harm caused by the three unauthorized inquires.

Company response to consumer: Closed with explanation