vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
-A NON DISCHARGED/OPENED OR DISMISSED XXXX XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( How is it reporting at all without my written permission? ) The bankruptcy being reported is reporting without my written permission. I have not provided any written, un-written, verbal and/or non-verbal consent to XXXX, XXXX, and/or Lexis Nexis to report the bankruptcy on my credit report. 15 USC 1681 ( 4 ) " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' Reporting of the bankruptcy without my written consent is a violation of my privacy. 15 USC 1681 ( b ) " ... consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 'consumer credit, ' personnel, insurance, and other information in a manner which is 'FAIR AND EQUITABLE to the CONSUMER, ' with regard to the CONFIDENTIALITY, accuracy, RELEVANCY, and PROPER UTILIZATION of such information in accordance with the requirements of this subchapter. '' The reporting of the bankruptcy on my credit report WITHOUT my written permission and/or consent is a violation according to the USC definition of permissible purposes. XXXX, XXXX, and/or Lexis Nexis does not have a permissible purpose to report the bankruptcy. Furthermore, reporting of the bankruptcy is not " fair and equitable '' to me, the consumer. uscourts.gov states " Bankruptcy courts DO NOT report to ANY credit reporting agency. '' How is it that XXXX, XXXX, and/or Lexis Nexis reporting the bankruptcy without my written permission? This is my third attempt, requesting removal of the bankruptcy from my credit report. I will be moving forward with an FTC complaint and seeking civil liability charges for willful noncompliance, per USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
I am writing to contest the inaccurate reporting of a fraudulent account on my credit report, which constitutes a clear violation of the law. Upon contacting the bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly removed. Your bureau is legally obligated to conduct a reasonable investigation of disputes as the other credit bureaus have already removed this fraudulent account from their records. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Please DELETE this account for once : 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 2024-04-16 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 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 2024-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I have opened an Accelerate Savings account with CitiBank N.A. On XXXX XXXX, XXXX the account was blocked for suspicious activity, with a balance of at least {$10000.00}. On XX/XX/XXXX ( approx.. ) the account was closed post Fraud Review and a closing check of {$0.00} was mailed to my current address. 
There have been multiple follow-ups with Fraud Alert team, post receipt of check, in the month of XX/XX/XXXX and then XX/XX/XXXX to learn a request has been raised with backend team but no tracking number has been provided and to follow up after 3-5 business days. Last call attempt was made on XX/XX/XXXX, CitiBank associate has also confirmed a balance of {$10000.00} available on the account. 
On XXXX XXXX, XXXX a deposit was made from personal XXXX  XXXX XXXX checking account, on XXXX XXXX, XXXX a failed deposit attempt was made from personal XXXX checking account. On XXXX XX/XX/XXXX CitiBank savings was put on Fraud Review Hold with no access to online account, deposit and withdrawal was blocked as well. 
Fraud review was closed on XX/XX/XXXX ( approx.. ) with {$0.00} balance in account. 
Account was closed in XXXX, a closing balance check was mailed/received on XX/XX/XXXX with {$0.00}. 
Im still waiting for {$10000.00} amount to be refunded, all transactions were made from online Citibank portal and all deposits from personal account. There was never a suspicious transaction happened from 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 2024-04-16 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 2024-04-16 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: NC

Complaint narrative:
XXXXA NON DISCHARGED/OPENED OR DISMISSED XXXX XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( How is it reporting at all without my written permission? ) The bankruptcy being reported is reporting without my written permission. I have not provided any written, un-written, verbal and/or non-verbal consent to Experian, XXXX, and/or XXXX XXXX to report the bankruptcy on my credit report. 15 USC 1681 ( 4 ) " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' Reporting of the bankruptcy without my written consent is a violation of my privacy. 15 USC 1681 ( b ) " ... consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 'consumer credit, ' personnel, insurance, and other information in a manner which is 'FAIR AND EQUITABLE to the CONSUMER, ' with regard to the CONFIDENTIALITY, accuracy, RELEVANCY, and PROPER UTILIZATION of such information in accordance with the requirements of this subchapter. '' The reporting of the bankruptcy on my credit report WITHOUT my written permission and/or consent is a violation according to the USC definition of permissible purposes. Experian, XXXX, and/or XXXX XXXX does not have a permissible purpose to report the bankruptcy. Furthermore, reporting of the bankruptcy is not " fair and equitable '' to me, the consumer. uscourts.gov states " Bankruptcy courts DO NOT report to ANY credit reporting agency. '' How is it that Experian, XXXX, and/or XXXX XXXX reporting the bankruptcy without my written permission? This is my third attempt, requesting removal of the bankruptcy from my credit report. I will be moving forward with an FTC complaint and seeking civil liability charges for willful noncompliance, per USC 1681n.

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 2024-04-16 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: NC

Complaint narrative:
-A NON DISCHARGED/OPENED OR DISMISSED XXXX XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( How is it reporting at all without my written permission? ) The bankruptcy being reported is reporting without my written permission. I have not provided any written, un-written, verbal and/or non-verbal consent to Experian, XXXX, and/or XXXX XXXX to report the bankruptcy on my credit report. 15 USC 1681 ( 4 ) " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' Reporting of the bankruptcy without my written consent is a violation of my privacy. 15 USC 1681 ( b ) " ... consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 'consumer credit, ' personnel, insurance, and other information in a manner which is 'FAIR AND EQUITABLE to the CONSUMER, ' with regard to the CONFIDENTIALITY, accuracy, RELEVANCY, and PROPER UTILIZATION of such information in accordance with the requirements of this subchapter. '' The reporting of the bankruptcy on my credit report WITHOUT my written permission and/or consent is a violation according to the USC definition of permissible purposes. Experian, XXXX, and/or XXXX XXXX does not have a permissible purpose to report the bankruptcy. Furthermore, reporting of the bankruptcy is not " fair and equitable '' to me, the consumer. uscourts.gov states " Bankruptcy courts DO NOT report to ANY credit reporting agency. '' How is it that Experian, XXXX, and/or XXXX XXXX reporting the bankruptcy without my written permission? This is my third attempt, requesting removal of the bankruptcy from my credit report. I will be moving forward with an FTC complaint and seeking civil liability charges for willful noncompliance, per USC 1681n.

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 2024-04-16 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: VA

Complaint narrative:
I lost with Discover about XXXX XXXX +. Told them that lost the card with backpack and phone in there. Now they don't wan na give money back because transaction with pin and chip. 
Of course it easy to find out with laptop pin and use my smartphone to make purchases and atm. Back back was stiolen in subway. Report to police do you think it is going to help? Discover always said XXXX liability on their card. But its not

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I am writing to express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my account. 

Since then, we have engaged in a protracted process to investigate and rectify these fraudulent items. Regrettably, despite our sustained efforts, the fraudulent entries persist, which is wholly unacceptable. 

The persistent presence of fraudulent activity not only imposes significant stress and inconvenience upon me but also erodes my confidence in the efficacy and reliability of your institution 's security protocols and remedial procedures. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and ensuring the integrity of my accounts. The continued recurrence of fraudulent incidents undermines this trust and raises serious concerns about your institution 's competence in addressing such matters. 

I implore you to take immediate and decisive action to comprehensively address this issue. This should encompass a thorough investigation into the underlying causes of the recurrent failure to eliminate the fraudulent items, coupled with the implementation of robust measures to prevent their reoccurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-16 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:
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 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 explanation
Consumer complaint received 2024-04-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have called all three credit bureau and requested them to remove debt collections off my account and fix my personal information and they did not remove it they kept putting the error on my account! So I am therefore coming to you for help! As in this under code us1602C law I am protected from any dispute, then under the FCRA ACT I am demanding to be remove from my credit report, also I did not give permission to any thing in my name! If these inaccurate accounts or inquiries are not remove I will take legal action! So please have them remove! Thank you

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 2024-04-16 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:
XXXX IS A FRAUD ACCOUNT OPEN BY XXXX UNDER MY NAME WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CR4EDIT REPORT BY LAW. ACCOUNT NUMBER XXXX IS INACCURATE, I CALL THE CREDITOR TO CLOSE AND DELETE THIS FRAUD ACCOUNT FROM MY 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 2024-04-16 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: TX

Complaint narrative:
I am writing to express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my account. 

Since then, we have engaged in a protracted process to investigate and rectify these fraudulent items. Regrettably, despite our sustained efforts, the fraudulent entries persist, which is wholly unacceptable. 

The persistent presence of fraudulent activity not only imposes significant stress and inconvenience upon me but also erodes my confidence in the efficacy and reliability of your institution 's security protocols and remedial procedures. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and ensuring the integrity of my accounts. The continued recurrence of fraudulent incidents undermines this trust and raises serious concerns about your institution 's competence in addressing such matters. 

I implore you to take immediate and decisive action to comprehensively address this issue. This should encompass a thorough investigation into the underlying causes of the recurrent failure to eliminate the fraudulent items, coupled with the implementation of robust measures to prevent their reoccurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my account. 

Since then, we have engaged in a protracted process to investigate and rectify these fraudulent items. Regrettably, despite our sustained efforts, the fraudulent entries persist, which is wholly unacceptable. 

The persistent presence of fraudulent activity not only imposes significant stress and inconvenience upon me but also erodes my confidence in the efficacy and reliability of your institution 's security protocols and remedial procedures. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and ensuring the integrity of my accounts. The continued recurrence of fraudulent incidents undermines this trust and raises serious concerns about your institution 's competence in addressing such matters. 

I implore you to take immediate and decisive action to comprehensively address this issue. This should encompass a thorough investigation into the underlying causes of the recurrent failure to eliminate the fraudulent items, coupled with the implementation of robust measures to prevent their reoccurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/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