vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-07 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: IN

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 
The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. This company sold these private records to another company in XXXX so the information on all XXXX bureaus are reporting inaccurate do to the fact the company no long owns the debt please remove immediately

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 
The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. This company sold these private records to another company in XXXX so the information on all XXXX bureaus are reporting inaccurate do to the fact the company no long owns the debt please remove immediately

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: MN

Complaint narrative:
I was notified by Experian that my information was compromised. I noticed that old addresses are being used as current, different name spellings, different birthdays and many unknown inquiries have been made. 

I should not have any inquiries except from XXXX XXXX XXXX XXXX. I have not applied for credit any where else. 

Please make sure national credit systems has deleted the XXXX XXXX account.. deleted as agreed. 

XXXX adjustments account -XXXX XXXX {$100.00} Delete as agreeed. 

I really dont feel like my credit report is a true reflection of my credit please make all the necessary corrections.

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 2024-03-07 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: TN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: SD

Complaint narrative:
XX/XX/2024 I attempted to send {$500.00} from my money network account to my XXXX checking account. The transaction was denied. I was then told to wait XXXX full business days for the money to return to my money network account. I contacted XXXX to just double check it wasnt something on their end but they confirmed they never received the money. I then waited XXXX full weeks before submitting a claim to money network for the missing money and for them to investigate. They then tell me my claim is denied due to no error on their end but with XXXX documentation of how they came to this resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 my account and or card was hacked and used to buy multiple products from the merchant XXXX for the amount of {$340.00}. I called the bank immediately to cancel my card. I was in the phone with a baker as the person was person who stole my info was making purchases. The bank initially gave me my money back but then in XXXX took back {$66.00} and then in XXXX took back {$270.00}. The claims department is saying the merchant is saying I authorized the transactions when I clearly did not. I do not understand why the merchant even shipped out these products or how when the card got cancelled. I called in XXXX to see what happened and the claims banker is the XXXX who gave me the tracking number for the {$270.00} purchase. The product went to somewhere in Wisconsin and I live in California. I even showed the bank this proof when I went into the branch. This type of business allows thiefs to keep doing what theyre doing and hard working citizens to be punished for it. I would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX || Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) || Account Number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX| Account Number : 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 2024-03-07 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I did Not apply for a JPMCB card. On my report it shows hard inquiry on XX/XX/2024 This was Not me I did try calling and I was sent from 1 department to another no help.

If I had applied I would have a card. Income is over XXXX, score is XXXX ( this dropped it ) More asset then debt. I worked hard to achieve this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received emails directly from Capital One on XX/XX/year> and XX/XX/year> with the following offer : " It's official! We're pleased to present this offer to earn a {$300.00} cash bonus. Your loyalty hasnt gone unnoticed. Weve added {$100.00} to your bonus offer. You can earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. We want to thank you for using CreditWise from Capital One with an opportunity to experience the benefits of the Quicksilver card. Apply today! ". I have excellent credit history with all three credit bureaus. Furthermore, I have a strong relationship with Capital One with over {$100000.00} in savings! However, upon following the Capital One instructions and submitting the application it was automatically denied. Capital One indicated " Based on your credit report from one or more agencies on the back of this letter, there are too many active credit cards based on your loan history ''. My XXXX credit score was listed at XXXX well into the good range. This makes no sense to me. I was quite shocked/surprised and I feel this is deceptive practice on the part of Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DriveTime
State: FL

Complaint narrative:
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXXXXXX XXXX XXXX XXXX  ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXXXXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime
State: MI

Complaint narrative:
Loan with XXXX XXXX for a vehicle in 2018 my principle continued to rise instead of going down with my monthly payments i fell into financial hardship and tried to reach out to the company for assistance I was told that i had no options and that my car would be repossessed if my payments were not made in full. This forced me to claim bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report number 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
CFPB COMPLAINT # XXXX was created and submitted on XX/XX/XXXX with the following information : LexusNexus is transmitting credit reports to XXXX parties that include negative information that is more than XXXX XXXX XXXX. 

My consideration for a {$350000.00} loan was challenged based on the credit information provided to the bank by LexusNexus around or about XX/XX/2024. 

on XX/XX/2024 I filed a verbal dispute with LexusNexus outlining the XXXX items that I am challenging. Their time frame for a possible resolution is XXXX days but the FCRA states that investigations must be resolved within 30 days. I am filing the complaint with CFPB because I want to make sure their investigation is concluded within the 30 days allotted by the FCRA and not a day longer. 

My case number with LexusNexus is XXXX. 


Immediate removal of the XXXX negative items from all future credit reports. Additionally, a follow-up letter to the bank to whom they provided this negative report stating the previous report was done in error and providing an updated report. 


The response from LexisNexis was not accurate. LexisNexis reported, in their response letter that they reached out to me via email on XX/XX/XXXX ( XXXX ), which did not happen. 

LexisNexis reported they were unable to fully authenticate my identity but they failed to review the LexisNexis case ID number XXXX. If LexisNexis takes the time to review information within their own system they will have enough information to " authenticate my identity ''. Their response was swift and CFPB was just as swift with closing the case without allowing me to challenge the response from LexisNexis. 

As a result I will open this new complaint, looking for the support I would hope CFPB can provide. 

Attached you will find my drivers license and a utility bill for additional proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arias Bosinger
State: FL

Complaint narrative:
On XXXX I made a request for a payment arrangement with AriasBosinger requesting a payment arrangement in order to settle a {$2100.00} debt owed. On this date I made a payment of {$210.00}, about 10 % of the total debt, in order to execute this arrangement request, as required by AriasBosinger. To note, in order to make this payment arrangement I was forced to agree to a {$350.00} pay-to-pay fee to be added to my total debt. 

On XX/XX/28 I received a 12-month payment arrangement from AriasBosinger with a modified total debt of {$3800.00} which included the {$350.00} payment arrangement fee, {$920.00} in future dated assessments, {$100.00} in future dated late fees, and {$290.00} in future dated interest ( for the {$920.00} in assessments ). The arrangement also had no language stating that if payments in excess of their monthly requested amount ( {$320.00} ) that the total number of monthly payments or any future dated fees/interest would be removed from the total debt, therefore making the total amount due less. 

Between XXXX and today, XXXX, I made multiple requests to XXXX XXXX XXXX, the attorney with AriasBosinger handling this case to update this language, or to remove the future dated assessments, fees, and interest from this arrangement and allow them to be settled with the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As of today, XXXX, no changes have been made, or have attempted to be made. 

This arrangement and the attorney 's office involved is violating the FDCPA in its regards to unfair and deceptive practices. Their addition of the {$350.00} arrangement fee as well as their additions of future dated assessments, fees, interest, and inability to make it clear to debtors that their debt can be cleared if payments in excess are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 60

2 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation