vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am writing to address the ongoing issue with Lexis Nexis 's reporting practices to the credit bureaus. Over the past [ timeframe ], Lexis Nexis has consistently reported inaccurate information, including a bankruptcy record and other unverifiable data, to XXXX, XXXX, and XXXX. 

Despite repeated attempts to rectify this situation, including dispute letters and communication with Lexis Nexis, the inaccurate information has not been removed from my credit reports. 

On XX/XX/2024, I requested a consumer report from Lexis Nexis regarding the erroneous reporting of a bankruptcy record and other unverifiable data. I sent dispute letter recently but have not yet heard a response. 

Furthermore, I received a response from my bankruptcy attorney and the court stating that the bankruptcy can not be verified. 

The continued reporting of these inaccuracies by Lexis Nexis has had a detrimental impact on my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This is a card I barely use but when I looked at my billing statements from previous months I've noticed chargers for purchases that I did not make.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: GA

Complaint narrative:
A year ago, my student loans were transferred from Nelnet to XXXX. My credit report now shows 4 loans instead of 2, and a loan balance that's twice as much as it should be. I've called Nelnet and XXXX multiple times each, spending hours on hold only to be told by both that it's the other servicers problem. I disputed the erroneous account/balance directly with the credit bureaus, but they changed nothing, and referred me back to the servicer. I asked Nelnet if they could send me a document saying that my account with them was closed so that I could prove to the credit bureaus with another dispute that the account and balance with Nelnet is false- they said no, that they can only issue documents that are approved by the Department of Education XXXX I spoke to XXXX ( again ) the same day and was told that only Nelnet can fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
XXXX XXXX closed my credit card account on XXXX XXXX XXXX and reported my account as on time in XXXX and XXXX of XXXX, but are saying they closed my account XX/XX/XXXX and said I was 30 days late on payments as of XX/XX/XXXX. They are reporting information on a closed account without my permission. Its closed and Im still being charged interest. To resolve this issue, I have paid the remaining balance as of XX/XX/XXXX, but Im requesting all negative remarks be removed from all 3 credit agencies immediately for incorrect information on my credit report causing my credit to decrease by XXXX points.

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 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Funding Metrics LLC
State: VA

Complaint narrative:
I needed a loan for my small business. I XXXX  for information and their information came up as same day LOAN and I filled out the application. I recieved calls and emails saying to send last XXXX months of my business banking statements which I did. They called me saying I needed to provide them with my banking information in order for them to log in and assured me it was a normal protocol. They needed my company ID, login ID and password. I was confused because I had sent the statements over already. An hour later they called again and said I was approved for the {$50000.00} I had requested. They sent me LOAN documents and I signed them but did not understand it was a MCA and not loan. I was told that {$50000.00} would be deposited in my bank though they would need to subtract their fees which was the first weekly payment of {$2100.00} They were paid weekly on Tuesdays by ACH payment. I noted that several unusual transactions were coming out of my account weekly. It was Funding Matrix. When I was unable to stay up with payments I was immediately harassed, my family texted, my patients who have protected information were also texted and harassed. They threatened and I was at that time told by XXXX XXXX that it had to be in default in order for them to negotiate ( while also paying XXXX XXXX 's escrow for negotiating, I am no longer with them. They are coming after my patients and threats of liens. I do NOT know why they are able to operate but was told that because they are not a loan company they are free to destroy many businesses. I have been trying to stay afloat. I wish I had known about MCA and have paid well over the XXXX with XXXX % interest. I have XXXX weeks left and could be free of it but I have no money left. Is there any advice you could give me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
restraint of trade discrimination see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
This complaint revolves back to my previous complaint # XXXX. It seems that fnbo has been less than honest with cfpb and me. fnbo violated the Fair-Trade Act by issuing a new card in my name after I had cancelled the card. There were then fraudulent charges which they expected me to pay. Because of your intervention the account was closed, and fraudulent charges were removed, See above complaint. Recently I received a credit card statement from fnbo showing the charges had been removed. There should not have been a statement. The account was closed. I believe they have violated the Fair-Trade Act once again. I don't know how to make this stop. They seem to have no issues with breaking the law.

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 2024-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/24 my income tax return was deposited. The next day or so I made them aware that someone was trying to log into my account. They locked my account. They sent me an email requesting I verify my identity by sending my driver 's license and a photo with me holding it under my chin. They sent me an email back saying they have everything they need to push the investigation further. I called them on the XXXX for an update and they said everything was verified. They said a " speical '' department is handling it and they can't be reached via phone. I told them there is urgency in getting my account unlocked as I need the money to care for my husband who has XXXX. They stopped responding to emails and only give me the runaround on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a 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 plan as late for any purposes.

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 2024-03-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a 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 plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Parnell Law Group, LLC
State: AL

Complaint narrative:
Under the authority of 15 U.S. Code 1692l, 12 CFR 1016, 12 CFR 1022.3 ( b ) ( h ), 12 CFR 1006.18, 12 CFR 1006.34 ( 3 ) ( ii ) I hereby request that the CFPB investigate this complaint. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 that a collection must show proof, ( i.eXXXX a written transfer of information and the right to collect on a debt ), in which The Parnell Law Group has not yet provided to me upon several requests and subsequent debt collection attempts. 
On or about XX/XX/XXXX XXXX sold the alleged debt to XXXX XXXX XXXX On or about XX/XX/XXXX XXXX sold the alleged debt to The Parnell Law Group . 
XXXX XXXX has sold my private information to several debt collection companies ( Violation of 12 CFR 1006.18 ) after they have reported the account as charged-off ( Violation of 12 CFR Part 1022.42 ( b ) ) ( not assigned ) on XX/XX/XXXX and XX/XX/XXXX for two separate accounts to the credit reporting agencies ( Violation of the Privacy Act of 1974, 12 CFR Part 1016.7, 12 CFR Part 1016.10 and Alabama Code SECTION 8-19-5 ( 27 ) ) .On or about XX/XX/XXXX I sent XXXX a letter opting out of selling my private information, just in case they are using implied consent as a means to continue to violate my RIGHT to financial privacy. ( Violation of 12 CFR 1006.15 ), ( Financial Privacy Act of 1978 ) ( Griswold v Connecticut 1965 ) There are several federal and state violations committed against me by all parties involved. Code of ALA SECTION 8-19-5, SECTION 8-19-11, 15 U.S. Code 1692e, 15 U.S. Code 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is no acurate delete the account below

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 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in 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 non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
Contacted each credit bureau to try and correct wrong information no change to report. 

Name Address Closed and open acct Amounts of alleged debts

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 2024-02-29 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: TX

Complaint narrative:
Contacted each credit bureau to try and correct wrong information no change to report. 

Name Address Closed and open acct Amounts of alleged debts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
securities fraud restraint of trade discrimination extortion rico

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NV

Complaint narrative:
I requested an investigation into items that I believed to be inaccurate and falsely reporting in a letter to you dated XX/XX/2024. As of this moment, the sole correspondence I have obtained from you is a computer-generated letter informing me that the investigation into my credit reports has been terminated on the grounds that you suspect I have engaged the services of a third-party credit restoration agency . This is not only a delay tactic to obtain an extension of 30 days to comply with my initial request, but it is also a flagrant violation of the FCRA, in my opinion.

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 2024-03-01 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: FL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize. I reached out to the companies and they were of no help.

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 2024-03-01 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: NC

Complaint narrative:
Below accounts are closed, discharged/charged-off, this is considered " Certificate of Indebtness '', that is income, so, income is not reportable, must be removed, per IRS. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
Below accounts are closed, discharged/charged-off, this is considered " Certificate of Indebtness '', that is income, so, income is not reportable, must be removed, per IRS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
Below accounts are closed, discharged/charged-off, this is considered " Certificate of Indebtness '', that is income, so, income is not reportable, must be removed, per IRS. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers that are not mine : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX Remove Employers info : STUDENT Date Verified XX/XX/2018 Remove Account Review Inquiries Remove Inquiry Analysis

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 2024-03-01 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: NC

Complaint narrative:
I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Numbers that are not mine : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX Remove Employers info : XXXX Date Verified XX/XX/year> Remove Account Review Inquiries Remove Inquiry Analysis

Company response to consumer: Closed with explanation