vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the inaccurate and incomplete credit information that is currently listed on my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes, in accordance with FCRA 15 USC 1681. I respectfully dispute the following items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
XXXX over {$1000.00}. I tried to contact them numerous times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute inaccurate information on my credit report related to the account with XXXX, account number XXXX, which was opened on XX/XX/2018, with a current balance of {$0.00}. It has come to my attention that the payment status and late markings for this account are inaccurately reported. I want to emphasize that I have never been late with XXXX XXXX, and upon discovering the reporting error, I contacted the company directly. They acknowledged the mistake and agreed to update the information accordingly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These hard Inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please ensure that only XXXX XXXX appears on my credit report ; kindly remove all other names. This request is in accordance with specific credit reporting laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Reporting Reform Act ( CCRRA ), which mandate accurate and fair representation of consumer information on credit reports. Please be advised that failure to update my credit report as requested may result in legal action, as I am prepared to pursue legal remedies to address any inaccuracies.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted this Experian and XXXX for the last times on XX/XX/23 to get the method of verification for the bankruptcy that is currently on my credit report. The information reporting as accurate are both reporting different reference numbers and court names. I sent them both a certified letter a few months ago and have yet to receive a response or a update to my credit report. I am requesting a deletion of any and all reporting of bankruptcy and {$5000.00} for monetary relief for the humiliation, defamation of character, and consumer violation of rights due to this being on my report. Ive been denied extensions of credit I am unable to get financing for a vehicle. Its causing stress to me. I will be filing a claim if there is no relief to this ongoing problem.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In summary, due to the multitude of inaccuracies reported by these furnishers to Equifax, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XXXX XXXX and the furnishes and/or Equifax added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. 

These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. 

The details and my requests are attached to this complaint as a word document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
These hard Inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Equifax Equifax XXXX XXXX XXXX Equifax Equifax XXXX Equifax Equifax XXXX Equifax Equifax XXXX Equifax Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Title : Request for Letter of Indemnification to Assist with CFPB Case RE : Closed CFPB Complaint with JP Morgan Chase Bank XXXX XXXX XXXX Dear Chase Executive Resolution Support Team, I hope this message finds you well. I am writing to seek your assistance in a matter that has recently been escalated to the Consumer Financial Protection Bureau ( CFPB ). As you are aware, my business account with Chase, which is now closed, was involved in a complex situation relating to a wire transfer to XXXX XXXX 

Background : As part of the resolution process for the CFPB complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been advised to request Chase Bank to provide a " letter of indemnification. '' This letter is intended to be forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to facilitate the resolution of this ongoing issue. 

Request : I kindly request that Chase Bank drafts and provides a " letter of indemnification '' concerning the wire transfer issue from my Chase business account. This document is crucial in clarifying the circumstances and assisting in the resolution with XXXX XXXX 

Supporting Documentation : For your reference and to aid in drafting the letter, I am re-attaching all relevant source PDFs that outline the details of the situation. Additionally, the account notes on my now-closed Chase business bank account should provide further context and information required to accurately reflect the scenario in the letter of indemnification. 

Urgency and Importance : Given the ongoing nature of this case and its impact on my business operations, I would greatly appreciate a prompt response to this request. The issuance of the letter of indemnification is a critical step in resolving the complaint and mitigating the financial and operational challenges that have arisen as a result. 

Thank you for your attention to this matter and for your continued support in resolving this issue. I look forward to your prompt and positive response. 

Sincerely, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: AZ

Complaint narrative:
I would like to bring to your attention that an account on my credit report is incomplete and does not meet the FCRA standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate, incomplete and not adhering to compliance standards. According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Equifax have on file for me doesn't match what's listed, then there are problems with either Equifax records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Equifax must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. Therefore, this account must me removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I received two American Express prepaid gift cards from work in the amount of {$100.00} each. One in XXXX for a XXXX gift and one in XXXX as a XXXXXXXX XXXX I have tried to use the cards at several locations without luck. The payments wont go through. I now have {$200.00} worth of gift cards that wont work. 

Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After research and talking with fellow coworkers, this seems to be a VERY common problem. 
Please can someone look into this. Email is my best form of communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: DC

Complaint narrative:
ESCALATION OF FORMAL COMPLAINT AGAINST LEXISNEXIS FOR NON-COMPLIANCE WITH FEDERAL CREDIT REPORTING REGULATIONS. 

I am writing to escalate my complaint, originally filed on XX/XX/ ( CFPB Complaint ID : XXXX ), against LexisNexis for their failure to adhere to the mandates of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Metro 2 Compliance Guidelines. These regulations are instrumental in safeguarding the accuracy and integrity of consumer credit information. 

In response to my initial CFPB complaint, LexisNexis requested additional proof of identitya clear copy of my driver 's license or social security card, along with the most recent utility bill or credit card statement indicating my current addressin their communication dated XX/XX/. This requirement, not stipulated on their website for accessing a consumer profile or initiating a dispute, raises serious concerns about their compliance with established procedures. This discrepancy, along with their persistent refusal to grant access to my profile despite receiving all requested documents, points to a potential violation of federal laws and indicates the use of delaying tactics. 

The FCRA ( 15 U.S.C. 1681g ) explicitly guarantees consumers the right to access their credit information upon request. LexisNexis 's continual denial to provide access to my consumer profile contravenes this provision. Furthermore, their apparent disregard for the Metro 2 Compliance Guidelines, which are critical for the standardization and precision of credit reporting, compounds their non-compliance. 

The inconsistency in LexisNexis 's identity verification process, as evidenced by the conflicting requirements in their email compared to their website guidelines, suggests a breach of the FCRA and FACTAs transparency and accuracy mandates. This incongruity and the resultant delay in resolving my original complaint strongly indicate the use of stall tactics. 

Given these circumstances, I implore the CFPB to initiate a comprehensive investigation into LexisNexiss practices for compliance with the FCRA, FACTA, and the Metro 2 Compliance Guidelines. I seek an immediate correction of my consumer profile and appropriate measures against LexisNexis for their apparent non-compliance and negligent handling of consumer data. 

Enclosed, please find copies of all pertinent correspondence and documents for your review. 

I appreciate your prompt attention to this pressing matter and await your swift and decisive action to rectify these significant issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Driveway Finance Corporation
State: IL

Complaint narrative:
On XXXX  i signed documents for a car loan XXXX XXXX with driveway finance for a XXXX XXXXXXXX XXXX  to be delivered from driveway.com. Driveway financed has verified this loan is open and it's present on my credit file at XXXX XXXX XXXX XXXX When I tried to set up delivery with driveway.com they are saying that the loan is not in their system. I contacted them almost 2 weeks ago and was only able to Speak to a guy named XXXX at Driveway.com that said he would look into it. I have not gotten and update from him and every time I call I only get voicemail now and no one ever returns my voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: MD

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This complaint is in regards to personal information being reported incorrectly. With respect to 15 USC 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/, there is some inaccurate and not applicable personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. PLEASE SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohela refuse to acknowledge that I am owed a student loan payment refund under Borrowers Defense Sweet XXXX XXXX XXXX XXXX Mohela has not sent me a financial report regarding my BD refund. My loans were discharged by Mohela on XXXX. Mohela has yet to send the refund of all the payments I made on my federal loans to include being refunded the interest. Mohela has also made mistakes on my credit report. I have disputed my credit report more than three times. The student loan tradelines are supposed to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In summary, due to the multitude of inaccuracies reported by these furnishers to XXXX, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XX/XX/ and the furnishes and/or XXXX added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. 

These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. 

The details and my requests are attached to this complaint as a word document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: DC

Complaint narrative:
I just received my new credit report for Equifax and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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