vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: VA

Complaint narrative:
I requested a copy of my LexisNexis consumer credit report and when I received it, I notified Lexis Nexis of a bankruptcy that was on my credit report that I did not recognize. LexisNexis sent me a letter stating that they had done an investigation and it was verified and being reported accurately. PLEASE SEE THE ATTACHMENT. So, I contacted my local courthouse and questioned them why there was a bankruptcy being reported to Lexis Nexis that I had never filed. They responded and sent me a letter stating that they never sent anything to LexisNexis. PLEASE SEE THE ATTACHMENT. I sent LexisNexis the letter that the courthouse sent me and asked them to provide me the detailed of their investigation, but they never responded. On XX/XX/2021, I sent my 2nd request to LexisNexis via certified mail via USPS XXXX XXXX XXXX XXXX XXXX asking them where they get this information to verify it? And with whom they speak with? and as of today they still have not responded. It has been more that 90 days and still the bankruptcy is still being reported. It's crazy that LexisNexis would stoop so slow and violate peoples consumer rights. In this matter, according to 15 USC 1681b ( 2 ) No permissible purposes of consumer reports/ no written instruction, Lexis Nexis did not have permissible purposes to report this negative information. They have also violated my right to privacy according to 15USC 1681 ( a ) ( 4 ). The fact that they claim the courthouse gave them this information is another violation according to 15 USC 1681a ( e ). LexisNexis never contacted me, never conducted any personal interviews with anyone related to me or any of my associates concerning this matter. Again, this has been going on more than 90 days and the matter is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently begun to report me 90 days late on this account. what is not belong to me. 

Also, I saw some collection that was on there. It says that I owe you guys a lot of money but, I dont know what its for. My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently begun to report me 90 days late on this account. what is not belong to me. 

Also, I saw some collection that was on there. It says that I owe you guys a lot of money but, I dont know what its for. My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
To whom it may concern, I became aware of a collections amount of {$520.00} from XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. The debt was for an electricity service used at address XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I have never lived or worked at this address. I also did not authorized my information to be used here. 

To dispute this debt, I first contacted the collection agency Convergent and made them aware this was due to identity theft. I was advised by Convergent to contact XXXX XXXX directly to resolve this issue. 

I called XXXX XXXX XX/XX/XXXX and was told by a representative that I needed to provide a police report and proof of residence during the time of when the service was used, which was between XX/XX/XXXX - XX/XX/XXXX. 

I filed a police report and compiled statements of rent and utility payments from my correct residence. I have lived at this address since XX/XX/XXXX. 

I was advised to email my police report number XXXX and rent and utility statements to XXXX with subject header " XXXX ''. This email was sent on XX/XX/XXXX at XXXX XXXX  XXXX. 

I did not receive response from my email, so i called to follow up several times and could not get ahold of a representative due to " high call volume ''. ( call log can be provided upon request ) I disputed the debt with XXXX on XX/XX/XXXX. An update was made on my XXXX account stating " the information you disputed have been verified as accurate ; however, information unrelated to your dispute has been updated. '' XXXX never contacted me for documents or more information to send XXXX XXXX to back up my dispute. 

When I checked the dispute regarding " information unrelated to your dispute has been updated '', I saw XXXX XXXX had marked the {$520.00} debt as " Account charged off. {$520.00} written off. {$520.00} past due as of XX/XX/XXXX. '' Also the months that were charged off had been changed to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During this time I was using electricity services from XXXX XXXX XXXX. I do not understand why these charge off dates are different from the original debt between XXXX  XXXX-XXXX  XXXX  and would like this investigated as well. 

This has caused a great hardship in obtaining loans and housing for rental properties. I would like this dispute to be resolved as soon as possible so I can obtain housing for me and my family. 

Regards,

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
They have constantly flagged the same accounts multiple times to the credit reporting agency as collections which continues to drive down my score. It makes it seems as though it is a new report, but its just the same one.These are improper tactics they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed this account several times with all three bureaus and according to FCRA violations, this item should be removed immediately.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unauthorized debits from my checking account at Wells Fargo via XXXX service : 5 unauthorized transactions of totaling {$3000.00}. 

XXXX security breach by text message to my personal mobile device, followed by call from male impersonating a XXXX XXXX representative. I do not have any account at XXXX XXXX 

The XXXX service has caused a high unreasonable volume of fraud incidents which cause bank customers financial harm. XXXX accounts are set up by the fraudsters and used to transfer funds out of the victims ' accounts without customer request/authorization. XXXX security gaps leave victims without practical protections. Some bank customers have been compensated by the banks involved, depending upon the bank and its policies and the specifics of the incidents. 

Fraud claim submitted to Wells Fargo via customer service on XX/XX/2021. 

The transaction dispute was denied even though tokens did not match and none of these debits were requested nor permitted by me.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed these accounts several times with all three bureaus and according to FCRA violations, these items should be removed immediately

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent letters to each XXXX, Experian, and XXXX on XXXX different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2021 I ordered a product that popped up on an internet search. I immediately realized that this was a fraudulent site and purchase and notified PayPal via telephone. A dispute was opened and when I logged in I uploaded docuemnts to prove the fraud. They investigated it and on XX/XX/2021 Synchrony Bank sent a letter advising that the research indicated I purchased the item and received it. I DID NOT. THe tracking number on the POst Office reciept shows it was delivered to XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX. The item a XXXX XXXX can not fit in a mailbox and weighs approximately XXXX or XXXX lbs. The box the one I purchased from XXXX XXXX for {$110.00} was in a box XXXX '' XXXX '' XXXX '' ... no way it went in a mailbox. Pay Pal did nto review the documents I sent and charged me the {$69.00} for a product I never received from a compnay that is perpetrating major mail fraud!!!! Because they lost their money to this crook they are making me pay. They do not adequately vet or research their vendors obviously.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
-On XX/XX/XXXX I renewed an Initial Fraud Alert on the XXXX website. It expires XX/XX/XXXX. I have been placing these alerts on XXXX since XX/XX/XXXX. I have always assumed that these alerts would be automatically applied by the other two credit agencies, XXXX and Equifax. 
-On XX/XX/XXXX ( today ) I logged into the Equifax website to check an alert they sent me. I have a temporary one year free membership to Equifax because of a data breach at a business where I am a customer. The Equifax site showed that I had no initial fraud alert in place. I called their support number and determined that Equifax had never placed an initial fraud alert on any of my credit reports. The agent applied it manually for me. 
-- The agent said that Equifax had received the notification from XXXX, but that it was an " update '' rather than an " add '', and that Equifax did not act on the notification, leaving me with no protection on their credit report. I told her that they had violated my trust and probably a federal regulation and that I wanted to talk with someone in charge. She refused any further comment and said my only recourse was to file a complaint with CFPB, which is why I'm here now. The agent gave me a case number : XXXX. 
-- I double checked my XX/XX/XXXX XXXX credit report and saw that it contained a Personal Statement that confirmed my initial fraud alert info from XXXX, so it would appear that XXXX had no trouble processing the renewal from XXXX. 
-- I am unable to check a recent Equifax credit report because it always fails when I try to obtain it through XXXX. The other two reports always come through with no problem. 

-In conclusion, I am very fortunate that I happened to be able to get free access to Equifax 's website and see that my credit report there was unprotected. My phone conversation with their agent was valuable in that I was able to confirm that they had mishandled the notification from XXXX, and I was able to get the alert placed on my Equifax report manually. 
-Unfortunately, I'm not confident they will follow the correct procedures in the future. Once my hacking related free Equifax membership expires in a year, I won't have any way to confirm that they are properly applying subsequent initial fraud alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: KY

Complaint narrative:
They have constantly flagged the same accounts multiple times to the credit reporting agency as collections which continues to drive down my score. It makes it seems as though it is a new report, but its just the same one.These are improper tactics they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I attempted to purchase a living room set but the order was cancelled. XXXX XXXX XXXX ( XXXX ) is reporting an open account on my TransUnion credit report and I never got the furniture. And they are reporting my account as being delinquent 90 days which is negatively affecting my score with 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 explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Bank Of America RE : Mortgage Loan Modification # XXXX Home Retention Department TO WHOM IT MAY CONCERN I am accompanying letter with the most recent documents for the loan modification signed by XXXX XXXX XXXX in XX/XX/2021 to amend apparent errors made in the XXXX documents. 

I am stating that there were issues that I had which were not addressed and in fact not clarified. They are : Why were there unapplied funds of {$13000.00} why were they being held in suspension without paying me interest. 
Why did these funds not account for a reduction in principle from {$290000.00}. 
Why does the current principal and interest reflect payments to the $ XXXX balance not the XXXX which reflects the amount held in suspense? 
How did the last loan mature at @ $ XXXX in XXXX with a 3.6 % and monthly payments of {$2500.00}. To go to a loan modification for $ XXXX at 2.125 % with monthly payments of XXXX? 
Why did I never receive a reconciliation of the modification. I paid the trial fees for fear of initiating some denial of the loan. I have asked several times of customer service for clarification of amounts being held in suspension to no avail and other discrepancies. 
What are the overdue payments, fees, and charges that have a positive balance of {$7400.00}. I dont believe that there are any, at least I have not been notified of them. 
Why is my signing the document so time sensitive when you have had these documents since XXXX without making any clarifications to me. Makes me think I am being cheated. 
I feel blind sided for having limited time to get answers or clarifications before having to sign what ever changes you may have made. 

Sincerely 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