vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
I posted dispute CFPB Case # XXXX and received an email stating that the case was closed. The credit reporting company, LexisNexis, made a response to which I was never notified or given an opportunity to reply or dispute their response. 

LexisNexis claims that on XX/XX/2024 they attempted to me via email at XXXX to obtain additional identifiers and that to date, LexisNexis has not received a response back. I searched thru my emails on that date, including spam and old emails, and had not received sais email ( Screen shots attached ). 

On the letter from LexisNexis, thet said that : In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of bankruptcy records stated above with the nationwide consumer reporting agencies on his behalf. LexisNexis will notify XXXX XXXX via mail once the credit bureaus complete their investigation ; however, please note, the bureaus may contact XXXX XXXX directly with the results of the investigation. 
If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Order Credit Report : XXXX Report Fraud : XXXX XXXX I had contacted XXXX and in their investigation, they stated that they received the information from LexisNexis, who received information from the court. In LexisNexis letter, they claim to have received information from XXXX. Who is actually receiving information from whom? 

I have an email from the court, stating that they do not provide court information to credit services ( attached in pdf form ).

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

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate, and it's causing me discomfort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, i just checked my credit report and i was shocked from the fact that i have a collection from XXXX XXXX XXXX on my credit report in amount of XXXX $ original creditor XXXX, ive never even had XXXX in my life and i do not have a contract with XXXX XXXX XXXX, i need to get this collection removed asap because im im the process of buying a house for my family now and this collection is really hurting me. Thank you in advance. 

Account number XXXX Date opened XX/XX/XXXX Amount XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: LA

Complaint narrative:
I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are incorrect, and it's causing me some unease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I signed up for a new Home Depot card was told if I spent {$1000.00} they would give me {$100.00} off. I created an order and their promo code worked. I called back to edit the order because I did not want their extended service contract and was told by member of their team they couldnt edit the order that I would need to cancel the order and re-order. I asked if the promo code would still work and they told me yes, so I did what I was told to do and attempted to re-order it and use my new promo code for my new credit card to purchase the same washer and dryer for the XXXX dollars to receive my XXXX dollars off. When I got to check out the promo code no longer worked. I attempted to call the credit services department and was hung up on multiple times finally got some manager and they refused to do anything about it and told me that the code was only for one time use sorry if I was given wrong information and they wouldnt do anything. So I signed up For a new credit card had a credit inquiry now I have a new line of credit for something I will never use because I will not purchase from them because I only did it to receive the XXXX dollars off they will not give me or honor, even though theyre the ones who made the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of the west currently known as Bmo is reporting falsely on my credit report. They do not fix the error I have paid them ontime and they report 30 days late to the credit report Im requesting for this error to get fixed as soon as possible Account number 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I have been contacting XXXX and XXXX since XXXX of XXXX trying to get payment counts, date I reached eligibility for XXXX and XXXX forgiveness, and when I will receive a refund. I have several tickets open with XXXX and XXXX since XX/XX/XXXX but no one has provided this information. Ive only received XXXX call back from a supervisor in XX/XX/XXXX who stated another ticket has been opened for review. Still no response from XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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

Complaint narrative:
Hello, i just checked my credit report and i was shocked from the fact that i have a collection from XXXX XXXX XXXX on my credit report in amount of XXXX $ original creditor XXXX ive never even had XXXX in my life and i do not have a contract with XXXX XXXX XXXX, i need to get this collection removed asap because im im the process of buying a house for my family now and this collection is really hurting me. Thank you in advance. 

Account number XXXX Date opened XX/XX/year> XXXX XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
Firstsource Advantage LLC send me a letter true mail stating that I own them a sum o money that of course I do not own them. 

Firstsource Advantage LLC have not the right to use my Personal and or Federal information like Names, Addresses, SSN. 

By now I request Firstsource Advantage LLC to send me Signed documentation that shows that I have a business with them or that I own them any sum of money. 

If in 15 days Firstsource Advantage LLC do not send me documentation with my Signature on it I will not Hesitate to fail a Lawsuit against Firstsource Advantage LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX but under XXXX shows that account # XXXX ) I am Attaching identity and proof of address.

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

Complaint narrative:
These inquires are not my inquires. Please remove them. Ive attached my 609 letter. As well as other info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: TN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/24, I received an email from American Express stating my credit card limit was reduced. So, when I called American Express, they explained it was reduced from {$10000.00} to {$4000.00} because they did a " soft pull '' on my report and my report showed a recent derogatory transaction from another company. My balance on the card is {$3500.00} so by American Express lowering my available balance from $ XXXX to $ XXXX it raised my credit utilization to 90 %. This action lowered my XXXX XXXX tremendously. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k. 
I have privacy rights and there was no disclosures sent to me stating I can Opt Out of these soft pulls on my credit report. ( XXXX XXXX XXXX and XXXX ) You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that i was discriminated against by AMERICAN EXPRESS due to the responses I received. 
AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S. Code XXXX and XXXX XXXX XXXX because I, the consumer, made an application in good faith, but credit was reduced for no apparent reason. 
AMERICAN EXPRESS will criminally and civilly be liable for all actual damages pursuant to 15 U.S Code 1681n and 15 U.S Code 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I filed a complaint, XXXX, about PNC Bank XXXX XXXX of XXXX about the mistakes their branch representative made regarding our credit card consolidation wherein we had two late payments tacked onto our credit report for doing what the representative told us to do. In XXXX of XXXX, we received notification from XXXX XXXX in XXXX Client Relations of PNC that they would be removing the XX/XX/XXXX late payment off of my and my wife 's credit report but not the XX/XX/XXXX late payment : PNC Reference # XXXX. I contacted PNC Customer Service in XX/XX/XXXX to inquire as to why our credit reports had not shown the adjustment. PNC representative XXXX XXXX advised she would look into it. XXXX XXXX contacted me back and apologized advising that their credit bureau XXXX would send a letter to the credit bureaus to have the late payment removed. Here it is XXXX XXXX going into XXXX and the credit reports have not shown the reflection for our credit reports. I am so sick of this mess with PNC. I want the adjustment made to our credit reports for XX/XX/XXXX ; really should be for XX/XX/XXXX because they are admitting to the misrepresentation by the branch representative and removing one ( whacked thinking ) but we'll take what we can get at this point.

Company response to consumer: Closed with explanation