vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: LEXISNEXIS
State: MI

Complaint narrative:
I am filing a formal complaint against LexisNexis for their failure to conduct a timely investigation into inaccuracies regarding the reporting of a bankruptcy on my LexisNexis consumer report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to LexisNexis via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate reporting of a bankruptcy on my consumer report. This dispute addressed discrepancies in how the bankruptcy was being presented. As required by the FCRA, LexisNexis is obligated to investigate and respond within 30 days. 
Despite my efforts and compliance with FCRA requirements, I did not receive a response from LexisNexis within the required 30-day period. Instead, I received a letter from LexisNexis in XX/XX/XXXX, indicating they were unable to authenticate my identity. This is despite the fact that I included a copy of my Social Security card, driver 's license, and proof of address with my dispute letter. 
LexisNexis ' failure to conduct a proper investigation has negatively impacted my creditworthiness and is a direct violation of my consumer rights under the FCRA. Their negligence in handling my dispute has caused undue stress and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am disputing multiple accounts listed on my credit report that I believe are inaccurate or unverifiable. I am requesting these items be investigated and removed. 

Collections Accounts : There are several collections accounts reported from various companies. These accounts have balances that I dispute, as they do not belong to me, or I believe they are reported inaccurately. 

Outdated Addresses : My credit report includes addresses that are outdated and no longer relevant to my current living situation. I am requesting these past addresses be removed from my credit report. 

The information for these accounts was reported recently, and I am asking for these items to be thoroughly investigated for accuracy and, if found incorrect, to be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
in 2018 when i was in college still i co-signed a XXXX XXXX credit card for him and hes made on time payments with them and closed the account. much like All the credit cards open in 2018 i co-signed with my brother they all say Joint when i see them on my credit report this one on the other hand says individual. my brother has no knowledge of it and neither do i. ive tried to dispute it but it doesnt come off please help me i honestly have no clue where this is coming from. it even said payments were made until a certain point and i know it wasnt me because i didnt even have a job at the time to make payments on anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for a secured credit card with Capital One. My application was approved and I funded it with {$1000.00}. Shortly after I funded the card I got an email saying the card had been mailed and then a few days later a follow up email telling me that my account had been restricted and to please call Capital One. I called Capital One and was told that I needed to send in a few documents, which I've now done several times. Whenever I send in the documents I hear nothing back and when I call to inquire I am told that the address verification document was not accepted but everything else was. I have tried explaining to them several times that since applying for the card I have moved but this falls on deaf ears. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. I am hoping this complaint will find a person who can take ownership of my issue and help me resolve it. For verification purposes I am attaching the following photos/documents to this complaint for Capital One to use as they see fit in reviewing my account. My driver 's license, a photo of me holding my driver 's license, my social security card and lastly the most recent utility statement for my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/year>

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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Schrier, Tolin and Wagman, LLC
State: VA

Complaint narrative:
Schrier tolin and wagman threatening to sue me in court for a old debt. Sent a judgment to my court. XX/XX/year> case information showed me a warrant in debt from a lawyer Schrier tolin and wagman. They also identified me as not in the military, but I am retired military and protected by the servicemans act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-03 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: NC

Complaint narrative:
XXXX, TransUnion, and XXXX are allowing XXXX XXXXXXXX, a collections account from XXXX XXXX and XXXX XXXX to keep going back on my credit reports. I've had the XXXX XXXXXXXX and XXXX XXXX  items removed in the past and they keep allowing the creditors to report them back on my credit file. I have been the victim of fraud and identity theft. the internal revenue service sent me notice that someone filed fraud tax returns in my name from XXXX so I have been having to deal with this stress as a XXXX veteran. I keep having to provide ftc reports for this and nothing gets done

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 2025-01-03 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: NC

Complaint narrative:
XXXX, XXXX, and Experian are allowing XXXX  XXXX, a collections account from XXXX XXXX XXXX XXXX XXXX to keep going back on my credit reports. I've had the XXXX XXXX XXXX XXXX XXXX items removed in the past and they keep allowing the creditors to report them back on my credit file. I have been the victim of fraud and identity theft. the internal revenue service sent me notice that someone filed fraud tax returns in my name from XXXX so I have been having to deal with this stress as a XXXX veteran. I keep having to provide ftc reports for this and nothing gets done

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: PA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.

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 2025-01-03 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: AL

Complaint narrative:
I am filing a complaint regarding the handling of my credit report by TransUnion, XXXX, and XXXX. Despite my multiple requests for re-investigation, the inaccuracies on my credit report have not been resolved, and the previous complaint was closed without proper action taken to address the errors. 

These credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( a ) ( 1 ) The credit bureaus failed to conduct a reasonable investigation of my dispute, leaving inaccurate information uncorrected on my credit report.

FCRA Section 1681e ( b ) The credit bureaus did not follow reasonable procedures to ensure maximum possible accuracy of the information they reported, as they allowed inaccurate information to remain on my report.

FCRA Section 1681c ( a ) ( 5 ) The credit bureaus continued to report outdated information, as the date of last activity on certain accounts is incorrect, violating the law regarding the reporting period for negative information. 

Due to these violations, I request that the CFPB investigate the matter and ensure that these credit bureaus follow the necessary steps to correct the inaccuracies and comply with the law.

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 2025-01-03 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: AL

Complaint narrative:
I am filing a complaint regarding the handling of my credit report by XXXX, Experian, and XXXX. Despite my multiple requests for re-investigation, the inaccuracies on my credit report have not been resolved, and the previous complaint was closed without proper action taken to address the errors. 

These credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( a ) ( 1 ) The credit bureaus failed to conduct a reasonable investigation of my dispute, leaving inaccurate information uncorrected on my credit report.

FCRA Section 1681e ( b ) The credit bureaus did not follow reasonable procedures to ensure maximum possible accuracy of the information they reported, as they allowed inaccurate information to remain on my report.

FCRA Section 1681c ( a ) ( 5 ) The credit bureaus continued to report outdated information, as the date of last activity on certain accounts is incorrect, violating the law regarding the reporting period for negative information. 

Due to these violations, I request that the CFPB investigate the matter and ensure that these credit bureaus follow the necessary steps to correct the inaccuracies and comply with the law.

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and was notified that I've been a victim of identity theft and found multiple credit inquiries on my credit report that i did not initiate here are some of the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also filed a identity theft report below

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against TransUnion for their failure to conduct a timely and reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including a bankruptcy record. This bankruptcy is reporting with discrepancies, as it only lists an inaccurate court name, a reference number, and a filing date. According to the FCRA, any item reported on my credit report must be 100 % accurate and verifiable. 
Despite my compliance with the dispute process, TransUnion did not respond to my dispute letter within the allowable timeframe. Their failure to respond and investigate the inaccuracies constitutes a direct violation of my consumer rights under the FCRA. This negligence has negatively impacted my creditworthiness and financial standing.

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 2025-01-03 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: IL

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my TransUnion credit report and I noticed some late payments on my credit report. 

Original Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report in the next 15 days, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief