vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: UT

Complaint narrative:
I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) Corelogic XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: UT

Complaint narrative:
I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
Advanced Resolution Services , Inc. ( ARS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Summary of the issue : XXXX insurance company wrongfully attached my drivers license / identity to someone elses policy, with an identical last name. Lexis Nexis has been slow to correct this issue, and in the past, failed to notify me via mail correspondence, acceptance or denial of my CLUE revision request. 

Background context : Another XXXX policy holder, has a daughter with both an identical first name, last name, and date of birth as me. This daughter, insured under her mothers policy with XXXX, got into an accident, and my drivers license was wrongfully attached to their claim in place of what should have been her daughters drivers license. 

It is unclear how my license ended up attached to a strangers accident claim, other than the fact that her daughter, and myself, have an identical name, and date of birth. 

After months of seeking resolution and dozens ( no exaggeration, this is all on record ) of phone calls to XXXX, their claims and underwriting department have finally submitted correction of this major mistake to Lexis Nexis in XXXX. 

However, I have not yet received any information or updates from Lexis Nexis confirming the completion of removing the accident from my CLUE report. 

I now live in XXXX, TX and financed a vehicle in XXXX of XXXX. When shopping for insurance at the end of XX/XX/XXXX prior to purchasing the vehicle, I decided to look at XXXX, XXXX, and other major insurance providers. 

Upon completing my auto quote on XXXX, it was displaying that I had two accidents on my driving record. 

I realized for the first time there is an accident associating with my driving record, that was not my accident. 

XXXX stated their system pulls from a third party, Lexis Nexis. 

I then called Lexis Nexis to inquire details about this accident that was wrongfully associated with my identity. 

I then proceeded to request Lexis Nexis to remove this accident from my CLUE report, stating all necessary facts. I was not involved in that accident, and it was wrongfully reported utilizing my identity. 

I was told by Lexis Nexis that the claim was reported through XXXX. 

Additionally to note after this request was made in XX/XX/XXXX, Lexis Nexis never sent any written correspondence as they were supposed to, confirming or denying my CLUE report removal request. 

After dozens of phone calls to get through to the correct department, I found out from XXXX that nothing would change from my CLUE report, until their underwriting department submitted a correction to Lexis Nexis. It took dozens of phone calls to different customer service representatives, and multiple managers and supervisors, to have proper action taken to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
Around XX/XX/2024 I received two letters from Credit-Control and/or XXXX about two alleged Collection accounts. On XX/XX/2024 I requested Validation, disputed it, and Asked for Purchase agreement between Credit-Control and XXXX XXXX XXXX On XX/XX/2024 they responded " Thank you for contacting us and sharing your concern. To assist, we will request verification of this debt from our client. Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. '' Around XX/XX/2024 no correspondence or email had been received from this alleged collection agency and collection activity had been reported to all 4 credit bureaus. A direct violating of all Collection Law. See Attachment.

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 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Received an email from BOA on XX/XX/year> saying my contact has been removed from Bank of America. Went to a local bank trying to close my account since Im moving out soon anyway. They told me I can not receive my check for the remaining balance ( checking plus saving total around XXXX ) since my account is going to close on the next business day. Did not receive any kind of notice from the bank and I dont know when my money can come back. Im still counting on the check to pay my rent and credit card. There was no reason for closing my account either. As a XXXX  I have no jobs and no way to cover my daily expenses if they keep holding my 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 monetary relief
Consumer complaint received 2024-03-17 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Opportunity Financial, LLC
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was XXXX on a basic XXXX XXXX  at XXXX on XX/XX/XXXX, I was finally XXXX XXXX at XXXX XXXX on the XXXX I received a direct deposit from XXXX XXXX XX/XX/XXXX of {$780.00}. I was XXXX XXXX XXXX XXXX XXXX XXXX by the judge on XX/XX/XXXX at XXXX. I noticed that I had no money in my chime checking account. No one had my card while I was XXXX It was with my personal belongings. I immediately called Chime and disputed 18 charges. I provided them with court documents and my release paperwork from court proving I did not do or authorize these charges. I called each merchant and I was able to get 3 of them to provide me with a refund. I provided chime with the address of the shipping information that was not mine for some of the merchants. THEY DENIED MY DISPUTES. I re disputed and they denied again. Now they have denied it 3 times. XXXX said they back the unauthorized charges but Chime will not give me my money back!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Issue : I have fallen victim to identity theft perpetrated by a fraudster. HoweverXXXX XXXX XXXX XXXX XXXX XXXX ) is compounding the situation by severely damaging my FICO score through incorrectly labeling the closure of my credit card as a Unpaid Balance Charge-off. 

Requested Resolution : I urge XXXX XXXX XXXXXXXX to accurately communicate to the credit reporting agencies that my credit card was closed due to fraudulent activity perpetrated by an external party. 

Background : In [ XXXX, XXXX ], an individual identified as XXXX XXXX XXXX approached my family, offering assistance in reducing our debt burden through the XXXX XXXX XXXX program. He requested that we transfer [ {$67000.00} ] to his account. Subsequently, he made several ACH Payments to our XXXX XXXX  XXXX credit card, only to reverse the transactions and abscond with our funds. On XX/XX/XXXX a claim was raised by us with XXXX XXXX XXXXXXXX for the investigation of the fraudulent activity. In response to the claim we received a letter from debt collector first source on XX/XX/XXXX. 
Additionally, we have reported this fraudulent activity to law enforcement entities including the XXXX XXXX, CA police ( report no 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 2024-03-17 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: TX

Complaint narrative:
I have written multiple letters to the three credit reporting agencies regarding the late payment on my credit report. I have never been late on this account, XXXX XXXX  with the account number XXXX. Despite sending multiple letters, they have not even marked this account as being in dispute. I will attach my current Experian and XXXX XXXX reports to this complaint.. This accout was paid and never been late. I never a received a reponse either. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX  Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The account on consumer 's report was marked as a charge-off and based on IRS publication XXXX, canceled debt must be filed on my taxes as income which should not be reported on my credit report. This must be removed from consumer 's credit report immediately. This is a violation of consumer rights because it is incorrect reporting.

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 2024-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I sent Equifax a certified letter requesting validation of my credit inquiries on my credit report since they are allowing companies to add this information. I then received a letter XX/XX/year> requesting that I send a copy of my ID, SSN card and proof of address. I sent that information on XX/XX/year> certified letter with signature required. Last week I called Equifax to check the status of requesting this information and they told me that I needed to submit a police report since I am disputing my inquires. In the letter I sent to them originally is asking Equifax to provide me the information from the companies that reported an inquiry to my credit. I didnt tell Equifax i was a victim of identity theft. They said thats the only way to get this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have written multiple letters to the three credit reporting agencies regarding the late payment on my credit report. I have never been late on this account, XXXX XXXX, with the account number XXXX. Despite sending multiple letters, they have not even marked this account as being in dispute. I will attach my current XXXX and XXXX XXXX reports to this complaint.. This accout was paid and never been late. I never a received a reponse either. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

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 2024-03-17 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: TX

Complaint narrative:
I have written multiple letters to the three credit reporting agencies regarding the late payment on my credit report. I have never been late on this account, XXXX XXXX, with the account number XXXX. Despite sending multiple letters, they have not even marked this account as being in dispute. I will attach my current XXXX and XXXX XXXX reports to this complaint.. This accout was paid and never been late. I never a received a reponse either. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: Wolf River Development Company
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, we activated our american express prepaid gift card. On XX/XX/XXXX, we tried to use it to make an XXXX purchase, however, it was declined. We also tried to use it to book an XXXX  stay on that same day, it was declined as well. However, the payment went through on the XXXX app while it was declined on XXXX and XXXX. So it seems that this card only goes through selective websites. We called customer service on XX/XX/XXXX, and they were no help! They told us to try using the card elsewhere when its clearly stated that This prepaid American Express Gift Card or Business Gift Card ( this " Card '' ) may be used at U.S. merchants that accept American Express Cards. I have another Amex credit card that Ive been using for almost 8 years, and I have used it on both XXXX and XXXX, never had an issue. But this card wont work. Customer service also told us in order to issue us a refund check for the remaining balance, we would have to provide a receipt for the purchase of the gift card. We were given this gift card as a promotional gift by our apartment complex for leasing our apartment, we were not given any receipt! And now we have almost {$1800.00} stuck in this gift card thats useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
XXXX XXXX  Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. XXXX XXXX  lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. XXXX XXXX  as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. XXXX XXXX  must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. XXXX XXXX has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. XXXX XXXX  has neither provided proof verified by 3rd party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from XXXX XXXX  prior assets ; date and time of the Board meeting with share holders that provided XXXX XXXX  to lend from these assets, the beneficiary is also a shareholder of XXXX XXXX  and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX my personal information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( Transunion XXXX XXXX , shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. XXXX XXXX  is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the Benefiacry ''

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