vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: LEXISNEXIS
State: DC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX LexisNexis Risk Solutions XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear LexisNexis, This correspondence serves as information regarding my credit report related to XXXX XXXXXXXX XXXX XXXX XXXX My investigation indicates that there exists fraudulent data. I have found two inquiries that are shown on my credit file through LexisNexis. This correspondence serves as a formal request for an update regarding information in my credit report related to XXXX XXXX XXXX XXXX. My records indicate that the inquiries are still being reported with his written authorization and misleading data which adversely affects my financial health and creditworthiness under FCRA 15 U.S. Code 1681. I request that you investigate and remove these two fraudulent inquiries from my client 's credit report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. 

Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I didn't give XXXX XXXX Mutual permission to go into my LexisNexis report so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


List of inquiries that needs to be removed : XXXX XXXX Inquiry Records Date of Inquiry ( Year/Mo/Day ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MS

Complaint narrative:
I was traveling out of town due to the death of my father and was not able to handle the payment of my credit card and wanted my card to be current for I had this credit card for years and wanted to remain in good standing so my brother told me that due to our fathers death he would take care of my balance but unfortunately after the complete balance was paid off in full my account was closed due to authenticity and the credit card department told me I needed further authenticity to reopen it that if I showed I was on the account that paid off the balance they would reopen my account I never knew if my account was paid off in full my account would be dealt with in such a despicable manner but due to the death of my father I was unable to handle my affairs in a prompt manner so my brother willingly assisted me to correct the high balance I never knew it would create such a big problem infact when I logged on it showed as if it my account was still open but now its closed due to paying the entire balance off in full which is ridiculous so not only am I dealing with the death of my father I am being penalized for paying in full a credit card

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: CA

Complaint narrative:
Receive a letter from LexisNexis dated XX/XX/XXXX, nice days later on XX/XX/XXXX, indicating they can not authenticate me and asking for additional information that I will not provide because refuse to provide biometric data or private data which they are no entitled. ( ex. passport copy, driver 's license copy, bank account document and other personal private data ). LexisNexis have all the identifiers needed to search and locate my file and with that authenticate me and correct all the incorrect information they keep on my name and sell and propagate to those looking for my information. We have been going back and forth since XXXX, some data has been corrected but a lot remains. 
To show that their claim that they can not authenticate me is no true and contradictory, with my letter of XX/XX/XXXX, I attached a copy of their letter - printed as a templet with their letterhead and logo -- where the authenticate me without any difficulty or issue on : XX/XX/XXXX. I am also in possession in the numerous back and forth communication I had with them in an effort to correct my record, their contact with XXXX, XXXX, and XXXX, where they accessed my file. It is impossible to access my information and at the same time say " they can not authenticate me ''. They have provided my record at time and some other they come up with that " excuse '' trying to obtain more data from me that they do not need. 
LexisNexis is providing excuses to not correct the information. All documentation was provided to you in the previous complaint that was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After the breach in 2012, I froze all of my credit reports including Experian. Now I need to unfreeze my Experian account so it can be visible to creditors who want to look at my credit. 

But I am unable to log in to using my existing username and password. 

When I request a new password on the Experian website, I am allowed to enter a new password. Then the Experian website forces me into a " new customer '' flow where I am supposed to sign up for an Experian Membership. There are no other options on the page ( dark pattern ). 

So I click the " create account '' button ( at this point I will pay for a stupid Experian membership if it means I will get access to my account ). 

Surprise - I receive an internal server error that says " We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX. '' I have spent the last 4 days trying to call Experian at every phone number listed on the web, including the one above. I have called at every hour of the day during Experian business hours. 

EVERY call immediately dumps me into this voice flow : " You have 2 options for resolving a dispute '', which is obviously the wrong place to start a phone tree. You can request to go to the main menu, but none of the options are " Customer Service ''. And none of the options you select lead to a real person. Every option leads to the same lady telling you she will either 1 ) give you a URL for the website, or 2 ) read you the instructions for dealing with the issue via paper mail. 

fwiw, I had a similar problem with XXXX and XXXX. It appears that in the last 2 years since I logged in, XXXX and XXXX made changes to user accounts. However with those 2 credit agencies, I was immediately able to talk to a real person who resolved the log in problem in less than 5 minutes. Then I was able to unfreeze my account. 

Many creditors ( including one of my current credit cards ) use Experian. Right now I can not apply for anything with these creditors because I can not unfreeze my Experian account. 

It is beyond ridiculous that one can not reach a person at Experian to resolve a real, pressing problem.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: CO

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: NV

Complaint narrative:
Good afternoon I am writing you today do to an error I have been dealing with. Two days ago on XX/XX/XXXXXXXX XXXX  I saw a debt collector collection notification on my credit report. It was for XXXX XXXX XXXX and the debt collector property receivables. 
The back story, I moved out of th address listed in the document over 2 years ago. I was removed off the rental lease and property as of XX/XX/XXXX the remaining tenant, was later evicted XXXX. 
However this eviction and collection is now showing on my credit WRONGLY. 
I contacted the collector company again today and the agent who attempted to assist was highly unprofessional and ended in trying to argue with me and defensive. I can say I was upset as all of this hit my credit and is now preventing me from buying my car at a decent interest rate or being approved. This is the only collection on my credit which is now a high impact. THIS ERROR has caused extreme suffering and stress. I need a vehicle and now o have to wait even longer and deal with a company who is making it more stressful and being extremely unpleasant to deal with. I have sent the company proper documentation. I have done all steps necessary on my end, and instead of compassion and understanding during this errors and mistake on their CLIENTS END they have been difficult to deal with. 
I have also reached out to the management company in regards to the error as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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  has violated my rights. Or list of inquiries 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 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 ) ( 1 ) 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 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 2024-01-27 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: GA

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

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 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 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 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 has violated my rights. Or list of inquiries 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 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 ) ( 1 ) 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 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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
All the hard inquiries ... No use of credit .ca n't get a credit card to save my life having to use my cash ova {$3000.00} dollars in cash instead of my credit that was stolen from me I couldn't even get a credit card from Cabela 's!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TX

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

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 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 ) ( 1 ) 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 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 2024-01-26 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: CA

Complaint narrative:
I am making a complaint about XXXX. I will also include Experian in this complaint because I have the same problem with Experian. The reason I am making this complaint is because I found out that XXXX XXXX is furnishing inaccurate information on my credit report. On XX/XX/2023 I sent them a letter about this matter to XXXX, and Experian. XXXX, and XXXX did not read my letter and has not sent me a response. Also XXXX is denying my right to pull my credit report. This is due to a data breach that has not been fixed. I put in a complaint about this matter and still have not resolved this problem. Regarding the XXXX XXXX account I did not dispute whether or not this was my account or if it belonged to me. I disputed the fact that reporting as a charge off is inaccurate. According to the IRS charge offs are considered income. Income doesn't get furnished into my consumer report, according to Experian. Reporting as a charge off is inaccurate at the very least they must report as paid for less, or they must delete this account XXXX. XXXX is in the following federal laws. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
These are the responsibilities of a data furnisher.

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 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a cashapp account. On XX/XX/XXXX. XXXX, three transactions had occurred to a XXXX ( cashapp tag XXXX XXXXXXXX ), at Block, INC XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. The transactions that occurred were one for XXXX $ another for XXXX $ and XXXX for XXXX XXXX Cashapp had stated and told XXXX XXXX XXXX XXXX that I did not need to pay one of the XXXX $ but I took part in the other {$200.00} and the {$300.00}. I had issues with my bank to where I had to pay {$500.00} because of Cashapp. I called on XX/XX/XXXX and they are opening up the investigation again, to look into it. I had called again on the same day to make a complaint and I had spoken to XXXX. He was very informative and was the only person I had spoken to that actually listened to what I was saying. He had told me that it does not make sense on why I would not be reimbursed for the {$200.00} and XXXX XXXX I had spoken to him and told him that I wanted to be reimbursed. On XX/XX/XXXX, I have been bullied all day by XXXX XXXX XXXXXXXX XXXX staff at the bank on XXXX XXXX XXXX XXXX XXXX XXXXXXXX, telling me that they would take my car and I would never be allowed to open an account at any bank again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX. This statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency can furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! 

I am demanding removal of these listed accounts ; 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 2024-01-27 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with explanation