vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-22 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: AR

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LexisNexis for their failure to provide me with a copy of my consumer report, despite repeated requests. As per Section 609 of the Fair Credit Reporting Act ( FCRA ), I am entitled to access my consumer report upon request, but my experience with LexisNexis has been highly unsatisfactory and frustrating. On four separate occasions, I have contacted LexisNexis to obtain my consumer report. In response, I received multiple letters containing a Personal Identification Number ( PIN ) purportedly for accessing my report online. However, when attempting to use these PINs on the LexisNexis website, the system consistently fails to validate them. Despite following all instructions carefully, I have been unable to access my consumer report due to this recurring issue. I have also tried calling and emailing LexisNexis customer service to resolve this matter, but these attempts have been futile. The customer service representatives have been unable to assist me effectively, and the issue remains unresolved. This ongoing situation has caused me significant frustration and inconvenience, as I am unable to review the information contained in my consumer report. Under the FCRA, I have a right to accurate and timely access to my consumer report. LexisNexis 's failure to provide this report, despite my multiple requests, is a clear violation of this right. I believe LexisNexis is not fulfilling their legal obligation under Section 609, which mandates that consumer reporting agencies provide consumers with access to their reports upon request. I kindly request the CFPB to intervene in this matter and ensure that LexisNexis promptly provides me with the requested consumer report. Additionally, I ask for an investigation into their practices to prevent similar issues from affecting other consumers. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 


I already submitted this once ( XXXX ) and CFPB wrongly closed it. LexisNexis said they mailed on XXXX but I still havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit 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 non-monetary relief
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
An account from XXXX is still on my credit report and all 3 bureaus. It appears closed on XXXX and paid in XXXX and Equifax which is inaccurate. This appears as XXXX card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
An account from XXXX  is still on my credit report and all 3 bureaus. It appears closed on XXXX and paid in Experian and XXXX which is inaccurate. This appears as XXXX card.

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 2024-08-22 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: FL

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit 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 2024-08-22 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: MA

Complaint narrative:
XXXX XXXX TYPE : auto financing companies
INQUIRY DATE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE: XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Automobile dealers,new
INQUIRY DATE : XXXX XXXX XXXX  TYPE: Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXXXXXX
TYPE : Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX  TYPE : Automobile dealers , used
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXXXXXX
TYPE : Credit unions
INQUIRY DATE : XXXX XXXX XXXX XXXX  TYPE : Finance companies-non specific
INQUIRY DATE : 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 2024-08-22 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: MA

Complaint narrative:
XXXX XXXX
TYPE : auto financing companies
INQUIRY DATE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TYPE : Auto financing companies
INQUIRY DATEXXXX XXXX XXXX XXXX TYPE : Auto financing companies INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Automobile dealers,new
INQUIRY DATE : XXXX XXXX XXXX  TYPE: Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX
TYPE : Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX  TYPE : Automobile dealers , used
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX
TYPE : Credit unions
INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Finance companies-non specific
INQUIRY DATE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NV

Complaint narrative:
I recently learned that my personal information was leaked in a data breach and i beleive it was used to open accounts that are not mine. I did not open or authorize any of these accounts. in XXXX my wallet was stolen and I believe this could be a result of that also.

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 2024-08-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I placed an order with XXXX and never received my order. XXXX stated that they would give me a provisional credit, but have failed to do so and the merchant isn't responding to my dispute. 

Date of purchase : XX/XX/year> Amount : {$190.00} Store : 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit 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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX & XXXX are not showing my credit score and I have over 2 years history

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-08-22 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: MS

Complaint narrative:
15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 15 U.S. Code 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1666b 12 CFR, 1026.13 - Billing Error - Late payments 15 U.S. Code 1681a ( 2 ) ( i ) : exclusions on transactions 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions : Please Update to Never Late ) 15 U.S. Code 1692e - False or misleading representations Violation of 15 U.S. Code 1635 right of rescission 15 U.S. Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
Hello According to 15 USC 1692 c this you have violated my rights by unlawful communications, Please remove this collection from my credit. I have received threatening XXXX  calls from a XXXX  with this company, this man has named my place of employment and my home address and has threatened to come to these locations to serve me as he stated his company had filed a court order against me. I have no knowledge of what this man and company is referring to and has caused me to very concerned. I have notified this company and no one seems to care this is violating my rights as an XXXX XXXX there for please remove this collection off my credit report once and for all 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 2024-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
Loan is not accurate as EdFinancial indicates every month since XX/XX/year> that my payment is past due even when I have activated autopay. I have called the company every single month since XXXX to solve the issue and have to upload bank statements for them to clear it and this last month, even though I made the " past due '' amount the payment was not reflected and the past due amount has doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation
State: TN

Complaint narrative:
I paid a past due debt owed to XXXX  XXXX through their contracted debt collector, InDebted on XX/XX/year>. After noticing in the middle of XXXX that they were still reporting the debt as unpaid to the three credit bureaus, I disputed the debt with the bureaus. Possible falsely " verified '' the debt as valid and is not updating my account as required by law. 

I contacted Possible to inquire as to why this is happening and they responded that they don't have record of my payment and did not verify the payment was made with InDebted before verifying the debt to the bureaus. InDebted as informed me that they submitted the payment to Possible and that it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These delayed payments dont match my usual payment pattern.

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 2024-08-23 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: GA

Complaint narrative:
The late payments don't reflect my typical payment history.

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