vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MD

Complaint narrative:
Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file Lexis Nexis has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Lexis Nexis has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of the following accounts on my consumer report file XXXX XXXX Accounts XXXX Open XX/XX/XXXX Accounts Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy filing XX/XX/XXXX XXXX XXXX Bankruptcy filing XX/XX/XXXX XXXX  XXXX Bankruptcy filing XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XXXX XXXX my wife an I got car the price was very high an they keep piling up fees. We called the dealership an they kept giving us the run around an said there nothing we can do you sign the paperwork. But we were used, an mis informed and just because our credit wasn't that good they took advantage.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance with The Fair credit reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account three XXXX XXXX XXXX XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX Open XX/XX/XXXX Account 7 XXXX XXXX Account number XXXX XXXX Open XX/XX/XXXX. 
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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In accordance with The Fair credit reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account three XXXX XXXX XXXX  XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX  Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX  Open XX/XX/XXXX Account 7 XXXX XXXX Account number XXXX XXXX Open XX/XX/XXXX. 
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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been YEARS now and nothing changed. All of these companies refuse to change dispute but advise one already opened. HaHa no kidding! When does the consumer get a fair shake. It's always the lender who is correct regardless of information provided, and it always takes longer than allowed but who cares! letter 's written, calls made, emails, CFPB. Complaints in my opinion all a fraud of great magnitude designed to keep people in financial bondage! Hey the record in writing evidently confirms it! Here is XXXX reply to current report which has given us a low score and adverse action just yesterday! Killed by the other two Equifax and XXXX. 

Know your rights REALLY WHAT RIGHTS HAHA A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. OPINION WHAT GOOD IS THIS? A WASTE OF TIME!!!! 
Submitted warning Disputes submission failed! 
XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. When do you correct the complaint!!!!! 

CREDIT UNION Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

CAR LOAN Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. My name is XXXX XXXX and I have reviewed my credit report and found several errors which need to be rectified as soon as possible. 

Firstly, I would like to dispute the following bankruptcy cases as they do not belong to me : Bankruptcy XXXX XXXX-dismissed Case Number : XXXX Bankruptcy XXXX XXXXXXXXdismissed Case Number : XXXX I request you to remove these items from my credit file immediately as they are not mine. 

Secondly, I would like to dispute the following accounts as I can not recognize them : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please investigate these accounts and delete them from my credit report if they do not belong to me. 

Thirdly, I would like to dispute the following accounts as they have incorrect information : XXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXXXXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX This account has never been paid late. Please update this account and delete the inaccurate information immediately. 
Fourthly, I would like to dispute the following personal information as they are incorrect : Account Number : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX This is not my name. Please delete it from my report. 
I urge you to comply with the Fair Credit Reporting Act ( FCRA ) law, and investigate these items in a timely manner. Please inform me in writing of any corrections made to my credit report. 

Thank you for your assistance in this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I voluntarily closed my XXXX account but it has failed to report my account as Closed By Consumer to every CRA, especially TransUnion. Moreover, I attach a XX/XX/2023 TransUnion screenshot of an account information change notice stating that Between XXXX. XXXX, XXXX  and XX/XX/2023, the account number was changed on this account. My account number was not changed. Please investigate and correct or delete the inaccurate account number change and the continued false reporting my closed account as open.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. My name is XXXX XXXX and I have reviewed my credit report and found several errors which need to be rectified as soon as possible. 

Firstly, I would like to dispute the following bankruptcy cases as they do not belong to me : Bankruptcy XXXX XXXX-dismissed Case Number : XXXX Bankruptcy XXXX XXXXXXXX-dismissed Case Number : XXXX I request you to remove these items from my credit file immediately as they are not mine. 

Secondly, I would like to dispute the following accounts as I can not recognize them : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Please investigate these accounts and delete them from my credit report if they do not belong to me. 

Thirdly, I would like to dispute the following accounts as they have incorrect information : XXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXXXXXX XXXX  Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXX XXXX XXXX XXXX 
Account Number : XXXX This account has never been paid late. Please update this account and delete the inaccurate information immediately. 
Fourthly, I would like to dispute the following personal information as they are incorrect : Account Number : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX This is not my name. Please delete it from my report. 
I urge you to comply with the Fair Credit Reporting Act ( FCRA ) law, and investigate these items in a timely manner. Please inform me in writing of any corrections made to my credit report. 

Thank you for your assistance in this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. My name is XXXX XXXX and I have reviewed my credit report and found several errors which need to be rectified as soon as possible. 

Firstly, I would like to dispute the following bankruptcy cases as they do not belong to me : Bankruptcy XXXX XXXXXXXXdismissed Case Number : XXXX Bankruptcy XXXX XXXXXXXXdismissed Case Number : XXXX I request you to remove these items from my credit file immediately as they are not mine. 

Secondly, I would like to dispute the following accounts as I can not recognize them : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please investigate these accounts and delete them from my credit report if they do not belong to me. 

Thirdly, I would like to dispute the following accounts as they have incorrect information : XXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXXXXXX XXXX  Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX This account has never been paid late. Please update this account and delete the inaccurate information immediately. 
Fourthly, I would like to dispute the following personal information as they are incorrect : Account Number : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX This is not my name. Please delete it from my report. 
I urge you to comply with the Fair Credit Reporting Act ( FCRA ) law, and investigate these items in a timely manner. Please inform me in writing of any corrections made to my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The account with XXXX XXXX XXXX for repossession is reporting inaccurate information. I have a right to an accurate credit report by law. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at XXXX XXXX Experian All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX  XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX 1 phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts

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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/2023, around XXXX, I went to the Santander ATM XXXX at XXXX XXXX XXXX XXXX XXXX PA XXXX to make a {$500.00} cash deposit. I put in my card, entered my pin, selected cash deposit and put my money in the machine. It made some noises and then said that my cash could not be collected, remove and try again. The machine made some more noises but never opened. It then said my transaction could not be completed and returned my card. I tried to do a check deposit and a cash withdrawal, just to see if the ATM would open up, I did not want anyone to steal my money. While sitting there, I called the bank branch, # on the back of my card and the # on the ATM, no answer. The next day was a holiday, I had to wait until XXXX XX/XX/XXXX to speak to the bank. I was told someone would be out to check the machine, I asked to be there but they had no idea who or when the ATM would be serviced. A provisional credit was issued to me on XX/XX/XXXX and then taken from me on XX/XX/XXXX as they said the ATM was not over. They have refused to investigate this. The video should clearly show me sitting there for about 20 minutes. The machine was also inoperable for at least 2 days. I am asking for an investigation into who stole my money and I want it returned to me. Either the armored truck driver or the person who counts the money stole it.

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