vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: LEXISNEXIS
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within XXXX  days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( bX4 ) -5-1002.142 ( bX7 ). I kindly request that you block this information from my credit report within four business days. Pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXXXXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 2024-12-30 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: MI

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX, hereby submit a formal complaint to the Consumer Financial Protection Bureau regarding the incorrect reporting of a late payment on the account referenced above ( Account Number : XXXX ). I have requested verification and proper documentation of the late payment from Wells Fargo Auto, but have yet to receive satisfactory proof. This reporting, if left unresolved, is damaging to my credit and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. I am seeking immediate correction and removal of this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Subject : Notice of Legal Representation and Noncompliance with FCRA To the Institutions Demonstrating Willful Negligence and compliance to the Laws, It has come to my attention that despite my formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block all disputed information or items on my consumer credit report within four days, your agency has failed to comply with this legal requirement. Furthermore, no communication has been received from your office through the CFPB regarding the actions taken or the reasons for any delay or noncompliance. 

Additionally, I must emphasize that your agency is obligated to block not only the disputed information or items requested but also any wrong information or items you are reporting on my consumer credit report. Failure to ensure the accuracy of the report violates your statutory responsibilities under FCRA 611 ( 15 U.S.C. 1681i ) and demonstrates a troubling pattern of negligence. 

As a result of your continued disregard for these obligations, I have retained a law firm specializing in Fair Credit Reporting Act ( FCRA ) violations to address this matter. My law firm is actively reviewing your agency 's actions and will pursue all available remedies, including : Filing a lawsuit to seek damages for willful noncompliance under 15 U.S.C. 1681n, including statutory damages, punitive damages, and compensation for financial and emotional harm.

Reporting your agencys noncompliance to other government authorities, such as the Federal Trade Commission ( FTC ) and the State Attorney Generals Office, to ensure accountability and further oversight.

Please be advised that this is not merely a matter of dispute resolution but a legal issue that will now be handled by my law firm. Stemming from the statutes governed by the Rules of Laws, I trust that you will reconsider your obligations under the FCRA and take immediate corrective action to avoid further escalation. 

Should your agency wish to communicate regarding this matter, please direct all correspondence to my law firm. Failure to comply with your legal responsibilities will result in further action through appropriate regulatory authorities and the courts. 

Sincerely, [ Your Full Name ] [ Your Contact 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 explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute the negative information that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ), any financial institution that furnishes negative information to a consumer reporting agency must provide notice to the consumer either before or within 30 days of furnishing such negative information. As per the FCRA requirements : ( A ) Notice to consumer required : ( i ) In general - If any financial institution that extends credit and regularly furnishes information to a consumer reporting agency furnishes negative information regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions - After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Lexington law took money from me for services that wasnt never started

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did NOT remove the item from my report. They are in violation of FCRA XXXX ( b ). According to this they had XXXX  days to remove these items from my report, and they did not. They have violated my rights under XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX for willful noncompliance. My identity theft report that was submitted to XXXX on XX/XX/year> and per FCRA XXXX ( b ) was not removed. The original items listed in the original letter sent via XXXX on XX/XX/year> are still listed on my report. These items can be seen in the attached documentation showing original dates. 

XXXX XXXX LETTER SENT XX/XX/year> -FTC IDENTITY THEFT REPORT SUBMITTED XX/XX/year> -DRIVERS LICENSE -PROOF OF RESIDENCE -INVOICE

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 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> & XX/XX/year>, I applied for credit ( s ) at Well Fargo with application # XXXX. At this time, my application was not RE-TRACK or return to me. Per Wells Fargo XXXX Wells Fargo Company XXXX XXXX XXXX filings & indenture agreements- the take all applications whether its denied or approved & turn those receivable and turn them into cash to securitize them with XXXXXXXX XXXX  with XXXX XXXX XXXX. I'm requesting my securities to be RE TRACK from wells fargo. I'm don't want wells fargo to profit from my security collateral since I never received an fair exchange with them.

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 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to express serious concerns regarding discrepancies I have discovered in my credit report. Upon review, I found several inaccuracies, such as incorrect account entries, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are negatively affecting my financial well-being, and I require your prompt assistance in resolving them.

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 2024-12-30 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: CA

Complaint narrative:
I am reaching out to express serious concerns regarding discrepancies I have discovered in my credit report. Upon review, I found several inaccuracies, such as incorrect account entries, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are negatively affecting my financial well-being, and I require your prompt assistance in resolving them.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zebit, Inc.
State: OH

Complaint narrative:
I contacted the debt collector bounce ai to try to find out what tge debt was as I'd never heard of tge original creditor Zebit inc. I was told {$700.00} worth of gift cards for XXXX were purchased on XX/XX/year>. I asked if they were able to verify were these cards were sent and was told they were sent via email. According to the agent I spoke to, my name and social security number were given to obtain this debt. I informed him this was not done by me and I was told I had to file a complaint on ftc as well as file a police report for identity theft - otherwise this debt would remain on my credit.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
CFPB XXXX XXXX : XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to follow up on my previous complaint regarding Resurgent Capital Services and LVNV Funding LLC XXXX Despite their response to your inquiry, they have failed to adequately address the concerns I raised about the alleged debt. Their actions remain in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Resurgent Capital Services claims that they have " properly verified '' the debt, but the documentation provided does not meet the legal requirements for validation. They did not include a debt sale agreement or any proof of ownership of the account by LVNV Funding LLC. Furthermore, there is no signed contract or agreement linking me to the alleged debt, nor is there a detailed accounting of how the current balance of {$3200.00} was calculated. This failure to provide adequate validation leaves significant questions about the legitimacy of the debt and their right to collect on it. In addition to their failure to validate the debt, Resurgent Capital Services continues to report it to the credit bureaus as disputed. This ongoing reporting without proper validation violates my rights under the FCRA. They have a legal obligation to ensure the accuracy and integrity of any information they report to credit bureaus, and their inability to substantiate this debt makes their reporting practices highly questionable. The response from Resurgent Capital Services also contains inconsistencies that further undermine their credibility. The documentation they provided, including generic terms and conditions and billing statements, does not establish a clear connection between me and the alleged debt. Details about the origination and charge-off of the account are also contradictory to previous communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
So my pays have not been that good at the end of the year and I am now not working until the second week of XXXX. I have XXXX loans from Bridgecrest. I made XXXX payments each on both loans but apparently not good enough. I get paid on XX/XX/year> i explained I can pay what is past due then, nope not satisfactory. The girl was very rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I NOTICED A FRUAD ACCOUNT LISTED ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was doing a review of my TransUnion credit report and I noticed inquiries that do not belong to me and are not mine. I have attached documentation. Please see attached.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am formally disputing the reporting of a charge-off on my account ( Regions Bank, Account Number : XXXX ) under the Fair Credit Reporting Act ( FCRA ). I request that Regions Bank provide evidence of the charge-off status, including internal records or documentation that substantiate the claim. Please provide me with a detailed account of your investigation process, including any evidence or documentation supporting the charge-off status of the account.

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