vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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: FL

Complaint narrative:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : $ {$11000.00} XXXX XXXX  XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: FL

Complaint narrative:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : $ {$11000.00} XXXX  XXXX  XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft which involves several banking institutions Wells Fargo acct. XXXX XXXX. Reported as account abuse to XXXX XXXXXXXX. As well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for acct abuse as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reported to XXXXXXXX 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I sent the attached letter to Capital One. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of 2020, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. Capital One refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling , and 4 ) shows payments which were not applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Unauthorized Credit Check, XXXX XXXX XXXX XX/XX/2023.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the date of XXXX made a check deposit of XXXX dollars. Which they set a hold on the founds which they held a delay for approximately 3days and only provided XXXX on XX/XX/21 of the XXXX dollar check..After about 9days from that date they provided the rest of XXXX on XX/XX/21 the remaining amount of the XXXX i deposited..i feel as if my money wasnt fully provided to me. I felt like i had either been skimmed or scamed out of the XXXX. The money only lasted in my account for like 4 more days after my statements where ether had over charged or double amounts pulled from the same transaction atm fees non-sufficient funds/NSF, and overdrafts that shouldn't have been on there since i banked with wells fargo they where very unprofessional about the situation and made me feel that i was wrong and wasting my time in trying to futher get explained where my founds where. I didnt feel like i would get anywhere with them i felt very helpless. I had to do my own investigation which i got refunded a few amounts of dollars which i had to get them to do desputes for. I feel that wells fargo kept or miss placed my XXXX dollars that i feel wornt ever placed in my checking account. Please help me get further founds and help me investigate where all my founds where spent and if they did follow protocol on delaying of my founds. I don't see why they would do such things with my funds from XXXX rental relief check.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: DC

Complaint narrative:
I am writing to file a formal complaint against Lexis Nexis for their persistent failure to comply with federal and state regulations regarding the accuracy and management of consumer information. Despite my repeated efforts over the past two to three years, including specific requests in XXXXXXXX XXXX XXXX Lexis Nexis has failed to rectify inaccuracies in my consumer profile, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

In my request dated [ specific date in XXXXXXXX XXXX ], I asked for the removal of inaccurate phone records from my consumer profile. Despite Lexis Nexis, in a letter dated XX/XX/ ( case number XXXX ( XXXX ), consumer number XXXX ), acknowledging these records as unverifiable and stating their removal, the enclosed consumer file did not reflect these changes. This non-compliance is a direct violation of FCRA, which mandates the correction of any inaccuracies upon discovery ( 15 U.S.C. 1681i ). 

Moreover, a subsequent communication from Lexis Nexis dated XX/XX/ ( case number XXXX ( XXXX ), consumer number XXXX ), contradicts their earlier acknowledgment, further demonstrating their failure to provide accurate and consistent information. This inconsistency not only contravenes FCRA guidelines but also undermines the purpose of FACTA in ensuring the integrity and accuracy of consumer information. 

Additionally, my subsequent requests for my consumer profile have been unjustly denied under the pretext of inability to confirm my identity. This action by Lexis Nexis is in clear violation of my rights under the FCRA, which guarantees consumers the right to access their credit information and mandates credit reporting agencies to provide it upon request ( 15 U.S.C. 1681g ). 

In light of these facts, I urge the CFPB to investigate these violations by Lexis Nexis and ensure compliance with federal and state laws governing consumer rights and credit reporting standards. I seek immediate rectification of my consumer profile and appropriate measures against LexisNexis for their non-compliance and negligent handling of consumer information. 

Enclosed are copies of all relevant correspondence and documentation for your reference. I also have recordings of the conversations with customer service representatives for your reference at your request. 

Thank you for your attention to this matter. I look forward to your prompt action and response. 

[ Enclosures : Correspondence with Lexis Nexis, Case Numbers XXXX ( XXXX ) and XXXX ( XXXX ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance Owed : {$1400.00}

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 2023-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Nissan sent a debt for personal property taxes to collections without ever sending me an invoice or bill of any kind or attempting to reach me prior about this outstanding debt. I have paid the debt in full now but I do not want this to be something that shows up on my credit report later on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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

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 2023-12-02 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: KY

Complaint narrative:
My information was sold and brought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 2023-12-02 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: IN

Complaint narrative:
I have previously disputed ( XXXX XXXXXXXX Bankruptcy XXXX ) With you. And in response, you verified the item as accurate, stating that you have verified this information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately Please reinvestigate and notify me by mail with your reposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Many payments have been taken from me I asked for them to make the person who took the payments return them and the person who accepted fraudulent payments to pay me back but there is no way they are going to return my monthly payment of {$420.00} for ten months and a one time {$1200.00} payment please show me some respect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc.
State: GA

Complaint narrative:
I contacted this company to remove any information you had on my name, Social Security number about me they was not giving permission to withhold any information on me to share sale or even volunteer to give to third-party companies such as a XXXX I have court document sign with Georgia seal and the US court do not provide information for third parties and XXXX  also emailed me showing that they do not provide documents to third parties Lci is a recording company under the US law is violating my rights in so many ways. Please reach out to this company to have them remove whatever information they have on me and mail me a copy showing Its no longer and there database about a bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Check systems changed my code to the security freeze without my consent. I provided the correct number for a lift as I've done twice before when needed.it is noted on the document provided. They will not provide me with another number verbally due to their mistake.

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 2023-12-02 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-02 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: CA

Complaint narrative:
I have a settlement agreement with XXXX finance. When I received this settlement offer I called XXXX and spoke with a settlement agreement customer service specialist at XXXX and she informed me that if I accepted the settlement offer the account balance would immediately be updated to {$710.00} as that is the 5 % total balance we agreed on in the settlement, and the account would be reported as closed with the {$710.00} paid in full. I accepted the settlement agreement, signed the contract and paid the {$710.00} in full on XX/XX/. I even contacted XXXX via customer support email to make sure the correct reporting would be updated to the account by the next reporting which should have been XX/XX/, the representative assured me that the account balance would be updated to {$710.00} and the account would be reported as closed, she also sent me a receipt via email to confirm they received my payment. I see on my XX/XX/XXXX  report that XXXX finance reported to Experian the incorrect balance of {$13000.00} and an incorrect charge off reporting. That is completely against our settlement agreement and this is a clear violation of my rights to accuracy, privacy, and fairness and inaccuracies on a credit report can hurt my opportunity at credit. The actual balance I owe is {$710.00} according to the settlement agreement, the {$710.00} was paid in full on XXXX, the account is supposed to be reported as closed and paid. I have submitted numerous disputes recently about this inaccurate account reporting issue, this is NOT an opportunity for re-investigating anything this is simply me notify XXXX & Experian to update the account information on my credit report immediately after receiving this letter or both companies will be held liable {$1000.00} to me for every FCRA violation committed regardless of intent you will be held liable to me for statutory damages for violating 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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