vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: PA

Complaint narrative:
so im going to get my first apartment and check and realized that i had over a 7 hard inquiry on my credit report from the car dealer ship that ran my credit when i was getting my first car i was not arthorized that they was gon na non stop run my credit report with different lendors intill i get a proof and i feel like they type finessed me because thats when i first started my credit to cause i just turn XXXX and had no Experience now that i am older i realize that all those inquiry should not be reported on my credit report because they are breaking my fair credit report act and my 15 u.s.c 1681 law the unarized inqury already got removed off XXXX and XXXX there only reporting to my experian and when i call experian they keep lying to me say that all the auto loan inquiry count as one but when they was removed off my other 2 barrals XXXX  and XXXX my credit report when up over XXXX point and all my scores was the same before i got them inquiry removed off XXXX  and XXXX and i been disputing this stuff with experian for over a year now sending letters and everything and all there agents a rude and dont help. 


these are the following inqury reporting on my experian report that should be romoved XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once again i do did not arthorized nun in theses inqury and all ready had them removed from XXXX and XXXX and see the impact and the differents from the report and by the way i been fighting this situation for about over a year now i was told a lie from a experian angent that these inquiry was not harm full and was counted as one but now i see the real impact once they was removed of XXXX and XXXX  and truly up set for experian lying and breaking my fair credit report act

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 2023-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have filed the correct fraud paperwork and sent to the credit reporting agencies. They are not attaching it to my disputes and processing the correct dispute process according to the FCRA. I also have not gotten copies of the verification process per the FCRA. 

These are the accounts 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 2023-09-04 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: FL

Complaint narrative:
I am writing to formally dispute and request the correction of inaccuracies pertaining to my student loan accounts that have been reported to credit bureaus. Despite multiple attempts to rectify these inaccuracies, they persist on my credit report, causing significant concern and adversely affecting my financial standing. 

Loan Account Inaccuracies : First Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( 90 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Second Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Third Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Furthermore, in accordance with 20 U.S. Code 10786 - Default reduction program, the record of default should be removed from my credit history, as my loans were consolidated and transferred to DEPT OF EDXXXX 

Additionally, my XXXX account indicates that my loan status for the account originating on XX/XX/XXXX is " cancelled '' effective XX/XX/XXXX. 
Given these circumstances, it is clear that these accounts should not be reporting inaccurate late payments, and they should not even be present on my credit report due to the provisions of 20 U.S. Code 10786.

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 2023-09-04 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: IL

Complaint narrative:
According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that LexisNexis holds about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SECOND REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted Complaint # XXXX with the Consumer Financial Protection Bureau ( CFPB ) which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. LexisNexis response to the CFPB dated XX/XX/2023, failed to address my request for my C.L.U.E Report with COMPLETE SOURCE DATA in any way. 

On XX/XX/2023, I submitted a THIRD REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a FOURTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a FIFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SIXTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted an EIGHTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted an NINTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a TENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted CFPB Complaint # XXXX which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA after ten requests. 

On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter addressed to the CFPB which was, in the kindest of terms, another nonsensical mess. In their letter, LexisNexis states : RE : Request for File : On XX/XX/2023, LexisNexis mailed a copy of his file to XXXX XXXX for his review. 

LexisNexis intentionally misled the CFPB by failing to identify the exact report and/or file that they claim to have forwarded for my review. 

On XX/XX/2023, I submitted an ELEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted my TWELFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

As of the date of this communication, LexisNexis is STILL refusing to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My XXXX XXXX  XXXX XXXX XXXX limited edition. I got financed with Westlake financial Service they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX  for years. I Mailed Many Many Certified to Westlake Financial, with No Response! No Luck getting the Negative Derogatory Mark, impacting my XXXX  XXXX XXXX. Please Help! Thank You.

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 2023-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

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 2023-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
XXXX is reporting a credit card debt on my credit report and refused to give me any information that associates my identity to this collection, nor have they provided any contracts, statements or evidence that supports what they are reporting and it is damaging my credit score. I have requested that they send me debt verification that links my identity to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The bank that my husband owned they trying to make me pay for it because I was just a card holder never signed anything the wouldnt even give me credit and the reason the trying to make me pay cause my husband passed away in XXXX of this year it Care credit Synchrony Bank

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 2023-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncrony Bank only has reps answering the phone that read a script. I called four times and submitted a message online, I was hung up on 4 times! I have an Ashley account that I started making by weekly payments that exceed the required payment, and began to make them before the first payment was even due. Hence, I am ahead on payment!!!!!! I have bank statements showing this being paid to them every two week, as well as, my acount on their website showing it was recieved. They have me as a past due and showing a {$9.00} payment past due with a {$30.00} late fee, I pay XXXX a month, more than is required! I have never been late I am paid in advance and always have been.They have charged me interest for months on payments that were not even due yet. How can you charge interest on something that isn't due? This company smacks of fraud, and are simple highway robbers! They have not one person quialifed to fix mistakes or even acknowledge that there is one. I am demanding they correct this and reiumburse me ASAP. I intend to file complaints with the FDIC and the OCC. I have atteched the papertrail of payments made to this bank ... ... or lack thereof

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 2023-09-04 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: Experian Information Solutions Inc.
State: FL

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. 

I told the Experian to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-09-04 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: MO

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 168. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : 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 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 explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I received an email from transworld services Inc, about a debt I owed supposedly from XXXX from XXXX formerly XXXX XXXX XXXX, that is not mine. It contains the amount of {$460.00} and original account numbers and reference number s also states it original came or was sold to XXXX XXXX XXXX XXXX I can forward the email if necessary. I have never had a gas bill that I have had to pay anywhere in Missouri, and I have lived with my parents since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I disputed this credit card issued by Genesis FS Card Services. It was opened fraudulently in my maiden name, which has not been my name since XXXX. According to the company, the card was issued around XXXX of XXXX and the charges all take place at XXXX XXXX  and XXXX in Michigan. I live and have always lived in Washington State. I have never been to Michigan. I have spent over 8 hours in total on the phone with this company. My first phone call to the company placed on XX/XX/XXXX resulted in the agent refusing to transfer me to their fraud department and instead advising me to file a dispute through XXXX, which I immediately did. Approximately one week later, I received an email stating that the dispute investigation had concluded and the information was found to be accurate. I filed a second dispute with XXXX, filed a report with the FTC, filed a report with the Attorney General of Washington, a police report with XXXX Police Department and again called the company only to spend hours on the phone. On XX/XX/XXXX, I received a letter requesting a copy of the report I filed with the FTC within XXXX calendar days. I immediately faxed a copy of the report, as the credit card company states that is the only way to submit such documents. I called the company shortly after to ensure the fax had been received only to be told they will take 5-7 business days to process the document that I sent. Trouble is, this would put me past their 20 day deadline. XXXX stated on XXXX that my dispute had been closed by the credit issuer, which doesnt make any sense at all. I have been hung up on twice today alone. This company and its agents are criminal. I encourage everyone to record their conversations and take excellent notes whilst communicating with this criminal company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: NJ

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was having a hard time closing my debit account with Wells Fargo for months. They wouldnt provide the proper steps for me to close the account. After charging me to keep the account open for months, over draft fees and actual fees to keep my account open, charging me for lack of activity. I went into a branch and the manager told me I didnt know how to read which is what landed me in this situation. I reiterated my concerns after more time and more fees I paid them and repeatedly saying do not close my credit card it will destroy my credit. They closed my credit card anyways and now Im stuck with a balance and bad credit and no way to fix the problem. Finally in XX/XX/2023 the account was closed and my credit has been declining since. The manager XXXX in a XXXX branch was who made this awful experience even worse.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing a bankruptcy on my credit report for a about 18 months now. I've contacted the courts and other third party public records company like XXXX XXXX and had this issue resolved. I've contacted Transunion on several occasion about this matter to no avail. Their actions are very harmful to me as a consumer and break several federal laws. As you will see from the documents I provided this item could not be verified as accurate from the furnisher as stated by Transunion 's response letter. No investigation was conducted is this matter my Transunion.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). 


Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, Credit Strong account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent.

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law.

Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation