vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the 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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX I am responding to your letter sent on XX/XX/XXXX via mail. I have reviewed and printed out the XXXX report LexisNexis is referring to on XX/XX/XXXX XXXX and I have attached it to this dispute. The LexisNexis report does not reflect the same information as the XXXX report that LexisNexis has claimed to use to verify this illegal bankruptcy. The LexisNexis report is full of errors and is reporting incorrectly, inaccurately, and is unverifiable compared to the XXXX report. First, Lexis Nexis stated you were able to verify the bankruptcy on my LexisNexis consumer file, because it shows my quoted full social security number by the nationwide consumer reporting agencies. The XXXX report does not display my full social security, which means this could be someone elses bankruptcy reporting under my name. I have highlighted and circled this inaccuracy in the XXXX record I have printed out. Next, the XXXX report does not display my full address at all neither my phone number as stated in the letter Lexisnexis sent me on XX/XX/XXXX. Lastly, the XXXX report shows XXXX XXXX the unverifiable bankruptcy is reporting in XXXX XXXX, but Lexis Nexis reporting the XXXX XXXX is XXXX. XXXX is a city in the United States XXXX XXXX. This is a visible inaccurate error LexisNexis is reporting. I have screenshot and time stamped the XXXX report showing the inaccuracies as of XX/XX/XXXX XXXX. As per the FCRA provisions 15 U.S. Code 1681i ( 5 ) ( a ) ( i ) - Procedure in case of disputed accuracy states In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer file. I am demanding for the third time that LexisNexis delete this inaccurate/unverifiable bankruptcy from my Lexisnexis consumer file. I am filing a better business bureau compliant and next I will send court LexisNexis to court if this bankruptcy is not removed/deleted immediately. I will sue Lexisnexis for willful non compliance under the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance. This illegal, unverifiable, inaccurate bankruptcy is ruining my credit worthiness to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
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. These are the following accounts need to be removed :

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 2024-05-20 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: LoanCare, LLC
State: NY

Complaint narrative:
XXXX of XXXX, I contacted LoanCare Mortgage company in regards to the constant late payments reported to my credit while the loan was in forbearance. The length of the forbearance was during COVID-19. When I contacted the company, the representative stated there was a past due amount that would be rolled over and I asked why I wasn't notified of the late payment. I was never provided an answer.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo permanently suspended my account an I have over XXXX dollars in it an they won't give me my money they said I have to wait 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX, XXXX, and XXXX regarding inaccurate and illegal reporting on my credit reports. 

The account in question is XXXXXXXX XXXX Account # XXXX. The inaccuracies are as follows : XXXX is reporting this collection as an " Open '' account, while XXXX is reporting it as " Closed. '' The last activity date for this account is reported differently across the three credit bureaus : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 

XXXX has not marked this account as " Disputed '' by the consumer, while both XXXX and XXXX have done so as of XX/XX/XXXX. 

Additionally, this account appears to be a case of debt parking, where a debt is reported to credit bureaus without prior notification to the consumer. Debt parking is a deceptive practice that is illegal under the Fair Debt Collection Practices Act ( FDCPA ), as it damages consumers ' credit reports without proper verification or notice. 

I mailed this dispute to all three credit bureaus on XX/XX/XXXX. 

I request that the CFPB investigate these inaccuracies and the illegal practice of debt parking by the credit reporting agencies. This account should be removed from my credit report for these actions have negatively impacted my credit score and financial well-being. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: SC

Complaint narrative:
I do not recognize these hard inquiries reporting on my credit report I ask that they be deleted these hard inquiries is effecting my credit negatively. Ive attached a photo of the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I did two balance transfers from citi card to XXXX cards to two of my accounts at XXXX on XX/XX/2024. One was XXXX and one was XXXX XXXX XXXX. They never arrived at the XXXX cards, so I contacted Citi multiple times, finding out that Citi sent the checks to the wrong account numbers. 

The account numbers listed on the checks are similar to mine but not correct. I asked Citi to fix this and they said they would, but didn't. Citi finally sent me copies of the checks they sent, showing XXXX cashed them both on XX/XX/2024, but to two incorrect account numbers. Citi told me to contact XXXX and have them find the checks and apply them to my correct accounts. 

I contacted XXXX and sent them the copies of the checks via fax. They looked into it and found that those incorrect account numbers did not exist, so they said that the checks were denied and sent back to Citi. They could not apply them to my accounts as they had already sent them back to Citi. 

XXXX said that since those account numbers did not exist, those two checks were denied and sent back to citi. 

Citi needs to find the returned checks and apply the amounts back to my account. I am currently owing nearly XXXX dollars that has gone NOWHERE. It needs to be fixed, asap. 

I have talked to Citi several times and they have not been able to fix this yet. 

I've attached copies of the checks which were sent to incorrect account numbers. The incorrect account numbers are on the checks. Again, these accounts do not exist at all. XXXX denied the checks and sent them back to Citi. 

The correct account numbers are : For the {$1000.00} check XXXX XXXX XXXX XXXX For the {$1700.00} check XXXX XXXX XXXX XXXX The card at Citi that is in question is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: Conn's, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

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 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: SC

Complaint narrative:
Re : Urgent Identity Theft Claim - XXXX XXXX XXXX To : Experian Fraud Department From : XXXX XXXX ] Date : XX/XX/2024 Subject : Identity Theft and Gross Mismanagement of My Case - Account Number : XXXX I am writing to express my extreme dissatisfaction with the handling of my identity theft claim. I have been the victim of identity theft, and the fraudulent activity reflected on my Experian credit report has significantly impacted my livelihood. 
Disregarding My Claims and Inaction I am deeply troubled by the dismissive nature of your responses to my previous attempts to rectify this situation. Your repeated form letters requesting verification, despite my clear and documented evidence of identity theft, are unacceptable. It suggests a pattern of disregarding legitimate claims and prioritizing bureaucratic procedures over the well-being of your clients. 
Specifically, the accusations implied in your boilerplate responses are offensive : That my request to block the fraudulent information was made in error. 
That the information is accurate or based on my actions. 
That I knowingly obtained goods or services through fraudulent means. 
These accusations are not only untrue but also demonstrate a complete lack of understanding of the gravity of identity theft. 
Escalating the Issue Furthermore, the automated nature of your responses casts serious doubt on whether you have even reviewed the police report, the identity theft report, and the relevant legal documentation I have previously submitted. 
My next course of action, if this matter is not addressed with the urgency it deserves, will be to file a case in federal court. This lawsuit will seek not only the removal of the fraudulent data from my credit report but also significant damages for the impact this theft has had on my life. Additionally, I will pursue legal action against any individual or entity that received my documentation and failed to take appropriate measures. 
Required Documents A complete list of all documents previously submitted, including the police report, identity theft report, and relevant legal references, is attached to this complaint. 
I expect a prompt and comprehensive response outlining the steps you will take to resolve this matter. This includes immediate removal of the fraudulent information from my credit report and a clear explanation for the mishandling of my case. 
I urge you to take this issue seriously. My livelihood depends on a clean credit report, and your inaction is jeopardizing my financial well-being. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
i have inquires on my credit report i dont have any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX - acct XXXX XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
I sent certified return receipt letter to remove bankruptcy, because the bankruptcy court do not report to credit reporting company any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: 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. 

XXXX  Account : XXXX XXXX XXXX  XXXX / XXXX Account : XXXX / XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX, has violated my rights.

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.

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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 2024-05-20 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:
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 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 2024-05-20 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: NC

Complaint narrative:
Ex : Late payments and inaccurate reporting dates XXXX XXXX XXXX XXXX XXXX or XXXX? 

I've disputed online and mailed the 3 credit bureaus twice this year on investigating and updating the 3 closed accounts for the payment statuses are inaccurately reporting on my credit report. All 3 consumer agencies are reporting something different for each one however all continue to come back verified.

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-20 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: CA

Complaint narrative:
Ive been a victim of identity theft

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