vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis is furnishing a bankruptcy to other consumer reporting agencies however, this information is unverifiable. XXXX has deleted this information from my report thus showing that it is inaccurate ( see attached exhibit ). So pursuant to section 623 ( a ) ( 1 ) ( A ) they now have a reasonable cause to believe that this information is inaccurate and they must delete it in order to comply with the Fair Credit Reporting Act. Additionally, since LexisNexis is also a consumer reporting agencies, they must also delete this item of information from their consumer report as it is inaccurate and unverifiable pursuant to section 611. I demand that this information gets removed promptly or I will seek legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XXXX account # XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX, account ID XXXX 2. XXXX XXXX XXXX, account # XXXX, account ID XXXX 3. XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXXXXXX, account ID XXXX 4. XXXX, account # XXXX, XXXX XXXX XXXX XXXX, account ID XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) sections 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XXXX account # XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX, account ID XXXX 2. XXXX XXXX XXXX, account # XXXX, account ID XXXX 3. XXXX XXXX XXXX, account # XXXX,XX/XX/XXXXXXXX, account ID XXXX 4. XX/XX/XXXX, account # XXXX, XX/XX/XXXXXXXX, account ID XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) sections 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-14 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: FL

Complaint narrative:
How can transunion " verify '' an item while other consumer reporting agencies has deleted the same item due to it being unverifiable? I demand that they comply with the FCRA

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 2024-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Solutions Inc
State: NE

Complaint narrative:
AR Solutions Inc. located at XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX is currently go after me attempting to collect {$97.00} for their Client, XXXX XXXX XXXX. However, I did not owe this amount of money ; they only provided me page of paper with the account # and amount that I owe them of {$97.00} with no explanations. 
I visited XXXXXXXX XXXX XXXX in XX/XX/year>, for my yearly routine eye checkup. I paid a {$30.00} copay at the time of the visit and received an unexpected bill of {$97.00} later XXXX. I contacted the doctor office inquired about the charge. Their replied was that I owe them {$97.00} and should pay that amount. They did not provide any reasonable explanation or sufficient evidence. I reached out to my insurance company afterward and they told me that according to the Medical Billing Code submitted by the doctor office. I've received some kind of " Special Scanning '' or used " Special Scanning Machine '' which resulted in the extra fee. Nonetheless, I was only given a simple routine eyes check up, First, it took about 30 seconds to a minute for a nurse to take eyes pressure measurement ; second, use eyes drop to dilatate my eyes, I was waiting for 20 to 30 minutes, then the doctor came in and take a look at my eyes the total time he spent with me was about 3-5 minutes. To my knowledge, there wasn't any " Special Scan '' that I received from this visit. It was just a very simple routine annual eyes checkup. I called XXXX XXXX XXXX asked them to reviews the issue but the med billing department refused to be reasonable and insisted that I owe them the amount. 
I requested AR Solutions Inc. sent me the evidence of how or why I end-up have to pay extra money or an explanation, they only provided me only my account # with the amount that they ask me to pay them. No explanations of how they come up with that amount I suppose to pay them or evidence of any kind of " Special Scanning '' or Machine that use for me. 
Thank so much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a current and in good-standing customer with Fifth Third Bank XXXX I received a physical check from my place of work on Friday, XX/XX/XXXX in the amount of $ XXXX. This is a quarterly bonus check that I have received in varying amounts over the past years. 

On Monday, XX/XX/XXXX, I electronically deposited the check via phone with accurate pictures, the correct manually inputted amount, displaying the check 's financial info and fully endorsed with my signature. I received a message that the check would be deposited in a matter of days. 

On Tuesday, XX/XX/XXXX, I received an email at XXXX a.m. stating that the balance of my account was low and that the balance was in the amount of $ XXXX. 

I attempted to log into my account both via app on my phone and computer. I was denied access to my account via phone and when I tried to login via computer it stated that my account user and name and password were invalid. 

At XXXX XXXX. I reached out via phone to customer service. I was then transferred to the fraud department. When speaking with the fraud department I was told that they check I submitted could not be validated and that their system automatically froze my account. In addition to this, they placed a {$500000.00} negative hold on the account which is why the email was generated to me. No fraud alert nor freeze alert text/call had been communicated to me. 

In a separate phone call with Fifth Third 's security dept. I ask the representative how I could remedy the hold as I was unable to access my accounts to pay bills. I had been told that they will require a bank statement from my employer and that I would need to provide the physical check. I believe they told me to bring it into a branch. 

After contacting my company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX department, I have been told that the check issuing XXXX XXXXXXXX, would provide a verification of funds letterhead and verification of the check issued. I have yet to receive this letter of verification ( XX/XX/XXXX at XXXX XXXX. XXXX ). The request for this document was made around ( XX/XX/XXXX at XXXXXXXX XXXX ). 

At the moment, I have 3 accounts with XXXX that are frozen. One personal ( which is the account reflecting the negative balance, one joint-account which I share with my wife ( which she has access to online and is showing a negative {$500000.00} balance, and one loan account which I am currently unable to access. 

I have XXXX access to my account. Have verified my identity and the validity of myself, the deposit, and my accounts, yet I am unable to gain access to my accounts, the funds, nor the service platform. I am unable to pay my bills without access to my only cash account and fear that this could negative impact my financial situation with other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of Capital One. The account number is unknown.

Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2014 ( 10 years ago ). It appears this debt was re-aged, and needs to be deleted immediately.

My rights dictate my ability to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of XXXX XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2014 ( 10 years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.

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 2024-05-14 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: CA

Complaint narrative:
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX I HAVE SENT A LETTER XX/XX/year> ASKING FOR TO COMPANY NAMED ABOVE TO DO A INVESTIGATION ON THIS FRAUDULENT ACCOUNT OPENED IN MY NAME. YOUR COMPANY NEVER SHOWN PROPER PROCEDURE OF INVESTIGATION SO HOW WAS A INVESTIGATION DONE?. THERE IS NO PROOF SO THIS ACCOUNT MUST BE DELETED IMMEDIATELY 15 U.S. Code 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2024-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX I HAVE SENT A LETTER XX/XX/2024 ASKING FOR TO COMPANY NAMED ABOVE TO DO A INVESTIGATION ON THIS FRAUDULENT ACCOUNT OPENED IN MY NAME. YOUR COMPANY NEVER SHOWN PROPER PROCEDURE OF INVESTIGATION SO HOW WAS A INVESTIGATION DONE?. THERE IS NO PROOF SO THIS ACCOUNT MUST BE DELETED IMMEDIATELY 15 U.S. Code 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Vehicle was totaled out by insurance. Insurance paid a portion of the car balance leaving a small amount to be paid. My father in law paid the remaining amount in a settlement based on a letter that was mailed to me. The information is still being reported on my credit report and should not be. This is hindering me in getting another vehicle because it looks like I still owe on another vehicle. I have asked Santander several times to send me a receipt and a letter stating the debt has been paid and they will not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with CB INDIGO and my goal is to maintain the relationship weve built over the past 6 months. I recently pulled my XXXX, XXXX, and XXXX credit report and discovered I have a late payment that was reported in XX/XX/XXXX and XXXX and XX/XX/XXXX for my CB INDIGO Credit Card. During that time period, I had a medical emergency due to XXXX. I mailed CB INDIGO several letters informing them of my financial hardship at the start of the XXXX  pandemic. Unfortunately, the XXXX pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my CB INDIGO account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the XXXX  Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the XXXX  pandemic and to provide relief to individuals affected by the XXXX  pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a for bearance or modified payment arrangement, due to XXXX  hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX Late Payment Date : XXXX and XXXX and XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
So as of today XX/XX/year> I received a letter from XXXX stating their findings is accurate and true! How can XXXX say that their information is accurate when in fact I submitted a report to the FTC stating fraud was committed in my name. They have no claim to these facts or proof that I signed for any open account with this company and if so XXXX needs to present this into evidence. This act was committed online obviously 15 USC 1681c-2 is specifically clear on what a consumer reporting agency must do regarding an alleged identity. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Why do you keep furnishing information on my consumer that is part of an alleged identity identity theft. I have sent you all required documentation that is needed to satisfy the section. The law is very clear on what needs to be done. 
Congress states under 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681n - Civil liability for willful noncompliance. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2

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 2024-05-14 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 demand that XXXX XXXX complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( XXXX XXXX XXXX ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
XX/XX/year>, ( last four # XXXX ) USAA has Charge me a balance transfer fee of {$64.00} & a Cash Advance free of {$69.00}, for the same transaction, double dipping. I didnot have Cash Advance. Also, the same charges XX/XX/year> were applied to my account. Fees of {$64.00} & {$70.00}, they are charging me twice for the transaction. I want action taken against USAA. This practice is DOUBLE DIPPING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation