vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: AZ

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-21 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: AZ

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-21 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: TX

Complaint narrative:
on XX/XX/2024 Transunion through XXXX XXXX is reporting XXXX XXXX XXXX  # ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX adr. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX ( reported on my account 2x ) these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval. 

On XX/XX/2024 XXXX through XXXX XXXX is reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.

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 2024-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2024 XXXX through XXXX XXXX is reporting XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX adr. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX ( reported on my account 2x ) these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval. 

On XX/XX/2024 Equifax through XXXX XXXX is reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
I sent fraud dispute to Experian on XX/XX/year> with picture ID, Social security card, FTC fraud report and proof of address with written dispute with my signature on the dispute requesting Immediate block on fraudulent account. Experian responded with refusal letter dated XX/XX/year> that Experian was not going to investigate my dispute. Experian claims that the dispute was not sent by me. I'm requesting Experian investigate my dispute for fraud. Requesting Experian send evidence this dispute was not sent 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 2024-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-21 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-21 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: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2024-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
My XXXX  claim of XX/XX/year> in the amount of {$14.00} was denied with reason " XXXX - Document missing expense amount. '' This reimbursement request was for automobile mileage + metro train + parking, as I indicated on the expense report. XXXX instructions specifically say that Optum wants healthcare services receipts, not credit card receipts and Optum has reimbursed me many times in the past for travel expenses when I included the healthcare services receipt to show that I actually had a healthcare appointment on the date for which reimbursement is requested. 

The document that I provided was the healthcare services receipt and, indeed, there was no charge listed on the receipt. There was no charge listed because the healthcare facility does not charge patients for the service that I received. However, it is an entirely legitimate medical service that includes drawing blood, extensive lab analysis and reporting the results to the patient and to the doctor so travel expenses associated with the service should be reimbursed by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My account is with XXXX by XXXX. My old balance and account shows as open on Equifax. I made a dispute and Equifax has reaffirmed the information. Although its inaccurate. XXXX XXXX has sold my account back in XXXX of 2023. Now both this account and the other account with the same account details show up on my credit report and it looks like I have more loans than I actually do, since its the same loan. Its negatively impacting my credit. I would like this removed from my credit report as they are no longer my creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a balance transfer offer taken away from me after i was promised it wouldnt. Ive contacted XXXX  chase refuses to put it back on my card even though i have proof from there own team saying it wouldnt be taken away if i replaced my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX. I am NOT a 3rd party.I am a natural person submitting this complaint, and I am requesting that these negative items be removed from my credit report.

I AM DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!

I am writing to address a serious issue regarding the closure and subsequent reporting of a late payment on my now closed Capital One account # XXXX. 
On XXXX XXXX I attempted to log into my account which was restricted by Capital One. I called customer service and was given NO explanations to why this occurred. 
Furthermore, I have NEVER paid late on this account since being a customer of Capital One since XXXX. I am aware of my rights under the Truth In Lending Act ( TILA ) and the Consumer Credit protection Act ( CCPA ), which protect consumers from unfair or inaccurate credit reporting practices. It is my understanding that under these laws, financial institutions are required to provide consumers with clear and timely notifications of any account closures and to ensure that any negative information reported to credit agencies is accurate and verifiable. I am deeply concerned that these laws may have been violated in the handling of my account closure and the reporting of late payments post-closure.

Pursuant to 15 U.S. Code 1666b-Timing of Payments : ( A ) Time to make payments A creditor may not treat a payment on 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not late than 21 days before the payment date.

The issue with this is there was no statement provided to me as Capital One has restricted my access to even receive any statements as of XXXX XXXX and also nothing was received via mail.If so, Can you provide me with the tracking number of the periodic statement that was mailed or delivered 21 days before my payment due date along with all of the information required by Section 1637 ( b ) Furthermore, Section 806 ( g ) of the FCDPA, prohibits any unfair or unconscionable means to collect or attempt to collect a debt, which could apply if late fees or additional charges are being applied to a closed account post0closure in an inappropriate manner. 


YOU ARE BREAKING THE U.S. FEDERAL LAW in the manner in which this account is being reported and handled.

I AM DEMANDING YOUR COMPANY DELETE THESE LATE PAYMENTS POST-ACCOUNT CLOSURE AND UPDATE YOUR RECORDS TO REFLECT SUCH, PLEASE SEND ME A COPY WITH WRITTEN CONFIRMATION OF ANY CORRECTIONS MADE TO MY PAYMENT HISTORY AND ACCOUNT STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a 12 month CD with XXXX  XXXX  ( Webster Bank ). It matured XX/XX/2024. I've called almost every day to try to get the money transferred so that I have access to the money however I keep getting the run around. I even called XX/XX/2024 via secure message to make sure I had instructions to stop the renewal when it comes due. I've done everything I've been asked in a timely manner and still can't get access to my money. If the bank can't get me my money in a responsible timely manner, they shouldn't be able to transact for consumers. I've asked for escalation and had XXXX success. Today, I received emails stating the XXXX has renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NC

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Nissan Motor Acceptance Corporation ( NMAC )/ Infiniti Financial Services ( IFS ) continue to violate my rights as a consumer by participating in fraudulent debt collection practices, intentional violating the Fair Debt Collection Practices Act by failing to provide debt validation within 30 days when requested, failing to investigate and provide findings after investigation, and also continue to attempt to collect on the alleged debt from the year XXXX until currently. I have begun receiving calls from unauthorized 3rd party debt collection companies in regard to the fraudulent accounts that are listed on all of my consumer credit reports and files, my police report, FTC report, and affidavits due to NMAC/IFS negligence and fraudulent practices. NMAC/IFS is damaging my reputation and credit worthiness by not following the FDCPA through furnishing info to the credit bureaus that can not be validated and also sharing my Non-Public Personal Information with unauthorized 3rd parties without my consent. Please find attached to this complaint my identifying information such as my driver 's license, social security card, utility bill, identity theft police report and affidavit filed in XXXX, copy of fraudulent credit reporting on XXXX credit report, copy of FTC report and affidavit sent to NMAC/IFS in XXXX, copy of written communication mailed to me about alleged NMAC/IFS debt from an unauthorized 3rd party collection company, and a copy of NMAC/IFS alleged debt validation response in XXXX.

Company response to consumer: Closed with explanation