vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/year> I attempted to get an on line quote from XXXX  XXXX. I currently have, and have been with XXXX XXXX XXXX for XXXX plus years and they have consistantly raised my rates every 6 months, despite the fact that I have had no accidents, tickets or claims. So I was researching a new auto insurance quote. XXXX advised that my request had been denied based on information provided by XXXX and to contact them for any information disclosure. I was not provided a reference number of any kind. I attempted to contact lexis nexis by phone but can not get anyone to speak to on the phone. I submitted a request, but after submitting, was provided this statement after submitting. " Acknowledgment Message Your order has been received. You will receive a message via XXXX XXXX  within the timeframe allowed by law. We will verify the information you provided with information in our records. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. IN other words i may or may not get this disclosure. I have no debt, have never made a claim on my insurance besides one rock chip and window replace claim, No tickets, Excellent credit. There is NO, Absolutely NO reason to deny me insurance or any other service. I have had issues with Lexisnexis in the past, and it is impossible to get any information from them regarding what they are providing to the insurance company. I need to speak with someone at LexisNexis and determine what information they have and are providing to my Insurance company and other companies because it is incorrect information. I should be able to speak with someone and not may or may not recieve a response 60 days from my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
I have XXXX of XXXX CDs matured totaling about $ XXXX. I called yesterday. They said no closing of accounts through online or phone. Must email. I emailed. As of today ( XXXX hours ) - no response. 
I called again today. They said no closing of accounts through the phone or online. Email response XXXX take up to XXXX or business days!! This certainly smacks of Flagstar trying to keep my money as long as possible ; both making it difficult to close for an elderly person AND delaying response! 
I have CDs spread across XXXX other online banks. ALL allow account closure either online of via phone. 
During the second call, I asked to talk to a supervisor. The most she could do was log a complaint with the company. She said as a Flagstar bank customer service supervisor she had no way to contact the appropriate unit within Flagstar and that the Flagstar unit that does handle closing and disbursement of the CD does not take customer calls! 
As an elderly person I think they are trying to make account closure as difficult as possible and hold on to the money as long as possible! 
Flagstar Bank is the bank. XXXX  This is unacceptable and borders on guile and slyness. Many of my age wont know how to proceed or if/when they will ever get their money.

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 2024-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. 
Due to this incident, several fraudulent accounts have been opened in my name without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00}

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 2024-11-14 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: TX

Complaint narrative:
Violation of 15 USC 1681 B, permissible purposes. I never gave XXXX, Equifax or XXXX written consent to report or keep reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Violation of 15 USC 1681 B, permissible purposes. I never gave XXXX, XXXX or Experian written consent to report or keep reporting XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or 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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
We have a court ordered freeze/garnishment on our bank account that was set in place on XX/XX/year>. A court date is set for the XXXX and they will then take the money out of our account that me owe, which is not my issue. I understand that we owe the money and its our fault we are in this situationmy problem is that I think its wrong with the way its being done. After the court date on the XXXX the judge with have to sign off on the garnishment order and then those papers get sent to our bank, the bank with them need another 5 or so business days to review and unfreeze our account so we can finally has access to our money. We have had zero access to any money since XX/XX/XXXX, thats 2 weeks so far that Ive been unable to go grocery shopping to feed our XXXX old daughter and XXXX old son, unable to put gas in my car ( a couple days ago I was driving my son to school and ran out of gas ) and we havent been able to pay our other bills which is putting us in a position where we can possibly lose our house. And this is going to go on for another 2 weeks at least. So I would challenge the Judge who allowed this to happen, the law firm who requested the order and our government officials who allowed this to be the law and ask them ( anyone else in this world ) if and how they would feed their children or survive for 4 weeks WITHOUT access to their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT account on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent. 
ACCOUNT be deleted from my credit report immediately. 
Please remove the following fraudulent account from my credit report : ACCOUNTS : XXXXXXXX XXXX account ( 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 2024-11-14 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: PA

Complaint narrative:
To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT account on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent. 
ACCOUNT be deleted from my credit report immediately. 
Please remove the following fraudulent account from my credit report : ACCOUNTS : XXXX XXXX account ( 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 2024-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. 
Due to this incident, several fraudulent accounts have been opened in my name without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CITIBANK, N.A.
State: MN

Complaint narrative:
On XXXXXXXX XXXX XXXX, at approximately XXXX XXXX XXXXXXXX, I called the CitiBank Macy 's XXXX XXXX XXXX XXXX customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my XXXX, XXXX and XXXX credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for Citibank Macy 's XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. Citibabank/Macy 's XXXX XXXX and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.

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 2024-11-14 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: OH

Complaint narrative:
I am writing to file a formal complaint to TRANSUNION regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the TRANSUNION will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.

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 2024-11-14 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: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Mortgage payment was made by XXXXXXXX XXXX by Electronic payment to Selene Finance. They repeatedly do not post payment to my account and add late fees. The date XX/XX/year> mailed XX/XX/year> mailed XX/XX/year> {$100.00} Extra principal made and not applied instead it was applied to late fees XX/XX/year> reported as late payment XX/XX/year> extra {$1000.00} principal payment made, late fees charged, reported to credit as late payment I want all late fees removed and all peer to peer bank payments to be accepted on time. 

I can not go online to Selene Finance website to make payments because their system says I am in default! Selene Finance are LIARS and CROOKS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The listed hard inquiries were unauthorized, violating 15 USC 1681c-2 and damaging my score. Requesting their removal.

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 2024-11-14 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: AL

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 2024-11-14 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: AL

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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
We have been repeatedly contacted by about a Debt we owe to XXXX. I have clearly stated that we owe no Debt to XXXX, there Account is wrong, there were many issues with our account that were never addressed. XXXX has filed for bankruptcy I do not have access to any of the accounts associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief