vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: LEXISNEXIS
State: TX

Complaint narrative:
This company has been furnishing personal privacy information without my written express consent Ive sent an opt out letter and company proceed to invade on my privacy per 15 U.S.C. 1681b ( 2 ) ( C ), 15 U.S.C. 1681a ( 2 ) ( i ) ( ii ) and ( iii ), 15 U.S.C. 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; Lexis Nexis has been selling my information without permission which is Non compliance for the whole title 15 U.S.C. 1681e

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-12-26 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
after filing my initial claim Citi bank close day account within XXXX hours of you sending them my complaint

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 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had purchased a GAP Store Credit card due to some promotion. However, I was not communicated properly for the balance ( which I had assumed that I had paid off ) and was reported late payments multiple times by the same vendor without proper communication. When I had finally checked the XXXXredit score and noticed the late payment. I had immediately paid off and closed the card. However, it was very late then. The store did not do a proper job in communicating the late payment and had reported it to the credit bureau without my knowledge. This has badly affected my credit score and it does not go away even after 4 years. I would like to request to remove my late payment from my credit report as soon as possible.

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 monetary relief
Consumer complaint received 2023-12-28 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: AL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-26 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023, ( Payment is for my XXXX mortgage payment ) I purchased a Cashier 's Check from my Bank to pay for my mortgage. I went to the XXXX office and certified the mail to them On XX/XX/2023. I received proof of delivery on XX/XX/2023. The XXXX XXXX Mortgage stamped the Cashier ' check that they received on XX/XX/2023 ( The attached check and proof of certified mail are included on this claim ) On XX/XX/2023, I received a check from XXXX XXXX Mortgage for {$2300.00} which was the Cashier Check that I had mailed to them XXXX weeks prior in a different envelope reach out to them by phone they advised me that my escrow account is short they have to make up for the shortage of fun I will need to send both payments together I advised the agent to note in their systems that payment had mailed to them but they return it because of additional fun needed to make up for short escrow account. After speaking with the agent I mailed both checks back to them as agreed on XX/XX/XXXX, XXXX A few weeks later they reported. My payment was never late, and XXXX decided to return the original payment that was paid on time. This is not my problem if they decide to return the original payment due to escrow being short of fun. I should not be considered late.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have previously submitted this complaint to the CFPB, complaint no XXXX, dated XX/XX/2023. And office of the comptroller of the currency case no XXXX, in which I mentioned, that chase bank denied a corporate credit card under the startup program, because my income is below $ XXXX per year. I need to add a statement to it, that in the issuance of this corporate credit card, 'if anybody made a false claim of discrimination, they need to prove their claim of discrimination, because, my father is XXXX, my mother is XXXX, I look XXXX, and I am from XXXX originally, which is an XXXX  country. '' My company name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the Fair Credit reporting act the following creditors violated my rights under the XXXX XXXX XXXX section XXXX o XXXX states " I have a right to privacy ( XXXX XXXX XXXX section XXXX states a consumer can not furnish an account without my written instructions under XXXX XXXX XXXX, my Discover account, Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. 

Under the FDCPA, a debt collector XXXX not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from Discover demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
A merhchant named XXXX billed me on XXXX XXXX, 2023 for XXXX for a charge that I do not recogonzie. I asked AMEX to check-in with the Merchant ( which does not have a phone number or reply to emails ) to provide evidence that I authorized these charges. AMEX has not been able to provide any evidence that I authorized these charges but are re-billing me. In fact, on XXXX day ( today ), AMEX sent me documents that do not provide my name, address, phone number, or email address to allege that I authorize these charges. The documents show somebody else 's name, email address, and address so that is proof that I DID NOT AUTHORIZE THESE CHARGES. AMEX is discriminating against me as a minority by falsely re-billing me and CFPB should fine AMEX for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
At approx. XXXX XXXX XX/XX/2023 synerprise called me about a debt. They asked me what am I going to do to resolve the debt and I said I will not. The agent then stated it will be reported to the credit bureau within a couple of months and I said it was illegal. He stated it wasnt as its above {$100.00} and I said it cant impact my credit. He states that it will and XXXX see it within the next couple of months. 

I called back and they hung up on me : I called again and requested their info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-26 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: MO

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the persistent challenges I have faced in attempting to rectify a charge-off account listed on my credit report through Credit Bureaus XXXX Despite numerous attempts to address this matter, the charge-off entry remains, causing significant distress and negatively impacting my financial standing. 

The presence of the charge-off on my credit report is both inaccurate and unjustified. I have attached supporting documentation for each attempt made to rectify this situation, demonstrating my commitment to resolving this matter promptly. 

I request your immediate attention to the following matters : A thorough review and correction of the charge-off entry on my credit report. 

Confirmation, in writing, once the charge-off has been successfully removed. 

I understand the importance of accurate credit reporting and its direct impact on my ability to access financial services and favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

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 2023-12-26 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: MO

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the persistent challenges I have faced in attempting to rectify a charge-off account listed on my credit report through Credit Bureaus XXXX Despite numerous attempts to address this matter, the charge-off entry remains, causing significant distress and negatively impacting my financial standing. 

The presence of the charge-off on my credit report is both inaccurate and unjustified. I have attached supporting documentation for each attempt made to rectify this situation, demonstrating my commitment to resolving this matter promptly. 

I request your immediate attention to the following matters : A thorough review and correction of the charge-off entry on my credit report. 

Confirmation, in writing, once the charge-off has been successfully removed. 

I understand the importance of accurate credit reporting and its direct impact on my ability to access financial services and favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly XXXX compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: IL

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without 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 non-monetary relief
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX , XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: WV

Complaint narrative:
My Experian Report has 3 different variations of my name and only ONE is correct. Please removed : XXXX XXXX XXXX and XXXX XXXX XXXX off of my credit report. 
Account for XXXX XXXX XXXX has been deleted from my XXXX Credit Report and should reflect the same information on my other reports. Update XXXX XXXX XXXX immediately to Paid as Agreed OR Delete, completely. 

Pursuant to 15 USC 1681- Congressional Findings and Statement of Purpose, states that 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
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: FL

Complaint narrative:
U.S. autos they sold me a bad car promise to fix the car never did auto repair shop notified me that U.S. auto refuse to pay service because they went bankrupt. They repossessed the car from home and refused my calls emails and charged XXXX to my credit I only had the truck 3 days before it broke down they promised to fix it or give me another car they they shut down went bankruptcy

Company response to consumer: Closed with explanation