vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am writing to express my deep concern and frustration regarding my recent attempts to obtain my credit report from LexisNexis. I have submitted online requests for my credit report on XXXX separate occasions, and regrettably, I have not received the requested report. 

Recently, I received a letter from LexisNexis, stating that they were unable to retrieve my credit report due to a purported lack of information on my part and an inability to locate my details. I find this response both perplexing and troubling, as I have provided all necessary information required to establish an account with LexisNexis and even placed a freeze on my account due to concerns about potential fraud. 

It is essential to note that, in order to initiate a freeze or maintain an account with LexisNexis, one must furnish comprehensive personal information. Given this requirement, the claim of a lack of information on my part is not only contradictory but also raises serious concerns about the security and accuracy of the information held by LexisNexis. 

Furthermore, the recent letter from LexisNexis raises questions about how my address was obtained for correspondence purposes. If LexisNexis lacked the necessary information to provide my credit report, it is perplexing how they possess the details required to send me correspondence. 

This situation appears to be a clear violation of my rights as a consumer to obtain my credit report from LexisNexis, especially considering the information provided and the freeze placed on my account. As a consumer, I am entitled to timely and accurate access to my credit information, and LexisNexis ' failure to fulfill this obligation is deeply concerning. 

Please be advised that I am aware of the violation codes associated with credit reporting agencies failing to provide a consumer 's credit report upon request. According to the Fair Credit Reporting Act ( FCRA ), violation codes such as 611, 612, and 613 may apply in instances where the consumer 's request is unjustifiably denied or delayed. 

I anticipate your prompt attention to this matter and a swift resolution to ensure my rights as a consumer are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We contracted with XXXX XXXX ( aka XXXX XXXX XXXX  ) to load, transport store and deliver our household goods from XXXX XXXXXXXX XXXX XXXX XXXX. The loading agreement included 3 hour per container to load each of our 4 containers. Once the move was complete we received a charge on our Bank of America credit card that included {$1000.00} for 10 hours of in additional labor to load that was not provided. We requested a credit from both the merchant and B of A. We also requested all documentation and receipts from the merchant. The only thing they included was an Additional Services form listing optional services which we did not agree to. We were told on the phone that the number 10 in the line total column meant they spent 10 additional hours loading the containers. Notably absent on the form is start and stop time, quantity and my initials. The merchant offered {$300.00} credit leaving {$700.00} in unauthorized and I believe illegal charges.

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: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: NY

Complaint narrative:
You These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX XXXX XXXX  ) Last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00}. Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer do not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act XXXX  XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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: 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$44.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00}.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX  I was a victim of identity theft and someone tried unsuccessfully to apply for a credit card in my name. This was report and fraud alert issued but XXXX XXXX is not removing the hard inquiry affecting my credit. I never applied for a XXXX XXXX XXXX credit card and I should not have my credit score affected because someone stole my identity.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX XXXX  I was a victim of identity theft and someone tried unsuccessfully to apply for a credit card in my name. This was report and fraud alert issued but XXXX XXXX is not removing the hard inquiry affecting my credit. I never applied for a XXXX XXXX XXXX credit card and I should not have my credit score affected because someone stole my identity.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
Dear The Receivable Management Services LLC, I am writing to dispute the validity of the debt referenced in your recent communication dated on XX/XX/year>, which I received via CFPB. It has come to my attention that the initial communication did not comply with the requirements set forth in Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

According to Section 809 ( b ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
5. A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. 

I did not receive a written notice that adheres to the requirements mentioned above within the specified timeframe, thereby violating my rights under the FDCPA. This violation is considered a serious matter under the law. The bill is not proof of a debt validation letter and unfortunately that is not my current mailing address. Therefore, that is not a debt validation letter because I never received it. I also have proof that I do not live at that address. I have updated my current address with all three major creditors as well.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit file, I have noticed several unauthorized credit inquiries that were made without my explicit authorization.

I would like to request and formally ask Experian to promptly investigate and remove the unauthorized credit inquiries from my credit report. These inquiries have negatively impacted my credit score and financial standing, and I believe they were conducted without my consent. 

Please find the details of the unauthorized inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Returned items to XXXX and was not issued a refund. Contacted Citi regarding this issue and sent proof items were returned to XXXX but citi refused to issue a refund and cited I didn't respond to the merchant 's claim on time. They closed my case and refused to reopen it. I sent them the appropriate information on time by the requested due date.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX XXXX XXXX. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX  XXXX XXXX from CARVANA. I have had the car now for four months and was told today that my rear brake pads completely need to be replaced. I purchased CARVANAs premier CarvanaXXXX and they say that those things are covered. However, this is a safety hazard and given that Ive driven less than XXXX miles and the vehicle has less than XXXX miles, the brakes should not already be going out. I have reached out to XXXX with no assistance and I have reached out to Carvana who continues to send me back to XXXX instead of finding me a solution. This is not the first problem that I have had with CARVANA as they delayed getting me my title information by a week ( took over 3 months ) and wouldnt assist me with an additional moving permit or registration causing me to have to leave my car sitting before I could finally get another DMV appointment.

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: 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite persistent efforts to rectify these matters, they persist on my credit report, adversely affecting my creditworthiness and financial standing. 

Despite my persistent and genuine efforts to rectify these issues in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the late open account and charge-off continue to tarnish my credit report. 

I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into both the late open account and charge-off, including thorough validation of their accuracy with the creditors. 

If the items are found to be inaccurate, their immediate correction or removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issues have been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify these situations promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/year> - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXXXXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: HI

Complaint narrative:
I paid of my loans in full on XX/XX/2023. My account shows a balance of XXXX but says that I owe {$2.00}. This is because the payment was dispersed incorrectly. 4 out of the loans have a combined balance of {$2.00} and 1 of the 5 has a balance of - {$2.00}. So since it is incorrect its thinking I still owe and my account isnt being closed. I shouldve gotten an account closure/paid off letter by now but this issue is holding it up. Ive called multiple times over the last 2 months and NEVER get through after hours of waiting or dont get a callback when opting to do so. The 1 time I did get through it was a representative in training who had to transfer me and then after another hour of waiting it hung up. Ive also sent several secure messages which also go unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
my personal information was breach with equifax this cost me a lot i have thing in my credit report that i did not do so i was denied credit i never recived no pepar work leting me know that my privite information was breach dates XX/XX/2020

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was looking to buy a vehicle and went to XXXX XXXX in XXXX XXXX California. I was told that a company called XXXX XXXX XXXX would hold my loan. I signed all the paperwork on XX/XX/2023. Then on XX/XX/2023, I received a letter in the mail from XXXX XXXX stating that they couldn't find any bank to finance me so they had cancelled my contract and I was to return the car to the dealership which I promptly did. I had also received numerous statements from XXXX denying me credit. Now I am getting on my credit report that I owe them XXXX for a car I no longer have. I have tried resolving this issue with XXXX and nothing is being done. I can not get any other car with this on my credit, and have not been able to.

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