vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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: LEXISNEXIS
State: CA

Complaint narrative:
I recently disputed a bankruptcy CFPB CASE # XXXX that was being reported by Lexis Nexis. First off I have no idea how Lexis Nexis received permission to share any of my information to any one without any permissible purpose. As we all know permissible purpose is when the person obtaining a consumer report " intends to use the information in connection with a credit transaction '' " this section specifically references a single credit transaction and should not be interpreted to allow for multiple uses '' Please tell me when I was in a consumer credit transaction with Lexis Nexis and when did they have the permission furnish any of my information to any person or organization. I have no agreement or business with Lexis Nexis, and unless the purpose for furnishing this report is listed as permissible purpose, it can not be provided without my express consent. Lexis Nexis is clearly in violation of XXXX XXXX XXXX ( a ) ( XXXX ) consumer 's right to privacy and XXXX XXXX XXXX XXXX ( b ). 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXXXXXX XXXX XXXX  or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Attached are the letters from the courts stating they do not communicate with the courts and the response from Lexis Nexis saying they " verified '' information which they have no purpose for doing so. Lexis Nexis has no Right without my consent or permissible purpose to report any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: IL

Complaint narrative:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I signed an exclusion policy with XXXX to seal my house from potential rodent infestation in XXXX, XXXX. The work was started, but never completed. The work that was done was minimal. I made numerous attempts to contact the branch to resolve the issue. The charge was for {$1200.00}. After receiving no response from the company, I disputed the charge with my credit card company. XXXX responded by saying I had not given them the opportunity to resolve the issue. I responded to my credit card company with a letter that layed out all of my grounds for disputing the charge and the lack of response from the branch. A copy of that letter is attached. A couple of weeks later, my credit card company informed me that the XXXX branch accepted my response and would no longer pursue the charge. But I began receiving bills from XXXX for that work that was never done. I tried to contact the branch, but never received a response. After several calls to the national XXXX customer service department, I finally received a call from XXXX XXXX, who identified himself as the branch sales manager. After explaining everything to him, he promised to cancel the bill. After receiving another bill for the work that was not done, I contacted XXXX XXXX via email on XX/XX/XXXX. He said he was working on the matter and would " let me know ''. Much to my surprise, I received a letter from Nationwide Credit , IncXXXX attempting to collect the debt. I have responded to them disputing the debt. But this is now on my credit report. I have and have always had Excellent credit history. I am retired and feel I am being treated very poorly. Can you do anything about this matter? I don't know where else to turn. The address of the XXXX branch is : XXXX XXXX XXXX, XXXX, CA XXXX. The address of the debt collection agency is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I asked the company ( Bank of America ) not to close my account. I do not want the account to be closed, and I have 100 's of bill payments from my account ending in XXXX at Bank of America. I ask that my account is reinstated and put back in active status by Bank of America. I asked for the company ( BOA ) to reopen/reactive my account ending in XXXX. I am a member in good standing, always, and I pay my bills at the time each time. Please confirm in writing by both EMAIL and US Mail. I would like to hear from executive office of Bank of America. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a credible response. I feel like I am being taken advantage of and ignored of my disputes. I am requesting you send me any signed contracts and or proof that this account belongs to me or I am demanding you stop verifying false information to the credit bureaus. I am also demanding these accounts be deleted immediately from your database as i have no recollection or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Social Finance, Inc.
State: IA

Complaint narrative:
Fraud occurred on my account XX/XX/10. I became aware of it that same day when Sofi alerted me and asked if a transaction was made by me and I advised " No. '' Sofi advised they would open a Fraud investigation and it may resolve itself or I'd be contacted within 7 days if additional information was needed from me. 10 days went by and the charges remained on the card and I'd not heard back from Sofi. I contacted them again and was told the investigation was closed but they couldn't determine why. They said they'd reopen the investigation and the process would start over again but they would escalate it so it would be addressed within 1 day. Another 8 days went by and I hadn't heard back so I contacted them for a status update. The agent had no information and Fraud had not yet looked at my account. I'm upset that these charges remain on the card and Sofi has not taken action to investigate. In total I've made 4 calls to Sofi about this issue and received conflicting information each time. Each agent seemed more concerned about getting the call finished instead of resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX XXXX is the company that is reporting to XXXX and they were able to remove it to TransUnion and XXXX. And for XXXX is the company is the company that is reporting to TransUnion and they were able to remove it to XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information 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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information 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 explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After learning that my personal information was compromised and involved in the XXXX data breach ( attached ) I reviewed my credit reports and found multiple accounts and inquiries that I did not recognize nor authorize. I attempted to have this problem corrected with the three credit reporting agencies of XXXX, XXXX, and TransUnion but I have not had the issue corrected.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After learning that my personal information was compromised and involved in the XXXX data breach ( attached ) I reviewed my credit reports and found multiple accounts and inquiries that I did not recognize nor authorize. I attempted to have this problem corrected with the three credit reporting agencies of XXXX, Experian, and XXXX but I have not had the issue corrected.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX an unauthorized ATM withdrawal of {$360.00}. was made from our checking account using my debit card number. I immediately contacted Wells Fargo about the fraud and they started a claim ( # XXXX ). They finally sent me a notice dated XX/XX/XXXX that the claim was complete and that they found that the withdrawal was made by me or someone who had my permission. This is totally NOT TRUE. This is after my account was hacked XXXX other times in various ways but with reimbursement from Wells Fargo. 

Then on XX/XX/XXXX another unauthorized ATM withdrawal of {$400.00}. was made from the same checking account using my husband 's debit card number and at the same ATM. He contacted Wells Fargo and they again started a fraud claim ( # XXXX ). In a letter dated XX/XX/XXXX they denied paying us the {$400.00}. and again said they found the withdrawal was made by him or someone who had his permission. This, too, was totally NOT TRUE. This was the XXXX hack via his debit card. 

My husband made several calls and tried to escalate his dispute. We received a letter on XX/XX/XXXX WF Case ID # XXXX, basically saying no error has occurred and we should open a new account. 

Both withdrawals were not done by us. We had our debit cards with us and were at home when they occurred. In addition, we asked to see the videos from the ATM but were denied and told to file a police report, which we have not yet done.

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 2021-11-29 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: WV

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-11-29 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: WV

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I am not an attorney or a third party, I am filing a CFPB Complaint on my own behalf because it is my legal right to do so. I have some accounts that were reported as late during the COVID Pandemic Shut Down. I was told to file a dispute due to the fact we ( U.S. Consumers ) were under the protection OF the CARE ACT. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020, that allows for accommodations. The following accounts were reported as late XXXX XXXX XXXX  # XXXX COVID LATE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2020, XXXX XXXX XXXX SERVICE # XXXX, XXXX XXXX XXXX XXXX XXXX COVID LATE, XXXX XXXX # XXXX XXXX XXXX  COVID LATE.XXXX Please remove the late pay status asap. My income was affected due to the Pandemic shutdown from COVID-19. 
I have some issues with unrecognized addresses on my credit file please delete remove the following addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have inculed my id and mail for proof of address.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information Credit Acceptance XXXX **** XXXX bank XXXX

Company response to consumer: Closed with explanation