vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a concerning discrepancy in the information being reported on my credit report by LexisNexis regarding XXXX bankruptcy. Upon reviewing my credit report, I noticed that LexisNexis is inaccurately reporting information related to bankruptcy proceedings. 

In an attempt to rectify this issue, I contacted LexisNexis to request verification and validation of the reported information. I was informed by LexisNexis that the information they provided was sourced from XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). However, upon further investigation, I reached out to XXXX directly via mail, and I received a response from a point of contact named XXXX. In her email, XXXX explicitly stated that XXXX is not affiliated with LexisNexis and does not engage in contacting consumer reporting or credit reporting agencies. XXXX simply provides access to federal court records. 

This revelation raises significant concerns regarding the accuracy and reliability of the information being reported by LexisNexis. It appears that there has been a misunderstanding or misrepresentation of the source of the information provided by LexisNexis, which has resulted in erroneous data being included in my credit report. 

I am reaching out to the Consumer Financial Protection Bureau to request assistance in resolving this matter and ensuring that the information on my credit report is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). I kindly request that an investigation be conducted into the practices of LexisNexis in sourcing and reporting credit information, specifically regarding bankruptcy proceedings. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me at XXXX or via email at XXXX if you require any further information or clarification. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
My complaint to the CFPB lays bare XXXX ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, XXXX has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, XXXX shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of XXXX ' systemic failure in reporting practices. XXXX XXXX in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even XXXX years later, on XX/XX/XXXX, my credit reports still reflect XXXX ' mistake. This settlement was completed in XX/XX/XXXX, yet XXXX persists in its dishonesty despite confronted with clear irrefutable facts Money orders do not bounce! XXXX inexplicably continues to perpetuate this falsehood. It's time for XXXX to acknowledge their wrongdoing and take immediate action to rectify this injustice.

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 2024-05-08 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:
My complaint to the CFPB lays bare XXXX ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, XXXX has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, XXXX shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of XXXX ' systemic failure in reporting practices. XXXX XXXX in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even XXXX years later, on XX/XX/XXXX, my credit reports still reflect XXXX ' mistake. This settlement was completed in XX/XX/XXXX, yet XXXX persists in its dishonesty despite confronted with clear irrefutable facts XXXX orders do not bounce! XXXX inexplicably continues to perpetuate this falsehood. It's time for XXXX to acknowledge their wrongdoing and take immediate action to rectify this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My complaint to the CFPB lays bare XXXX ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, XXXX has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, XXXX shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of XXXX ' systemic failure in reporting practices. XXXX XXXX in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even three years later, on XX/XX/XXXX, my credit reports still reflect XXXX ' mistake. This settlement was completed in XX/XX/XXXX, yet XXXX persists in its dishonesty despite confronted with clear irrefutable facts Money orders do not bounce! XXXX inexplicably continues to perpetuate this falsehood. It's time for XXXX to acknowledge their wrongdoing and take immediate action to rectify this injustice.

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 2024-05-09 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of certain hard inquiries listed on my credit report. After a thorough review of my credit report, I have identified XXXX inquiries that I did not authorize nor have any recollection of initating any transaction or applying for credit with the respective creditors. These inquiries have already been deleted by XXXX, and I am prepared to pursue legal action if your credit bureau fails to take similar action promptly. 

Below are the details of the disputed inquiries : XXXX. Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I wish to emphasize that I did not provide authorization for these companies to access my credit report, and I have no record of engaging in any transactions or credit applications with them. Consequently, I am concerned about the accuracy and legitimacy of these inquiries. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that your agency conducts a thorough investigation into these disputed inquiries. This investigation should include verification of the legitimacy of the inquiries with the respective creditors involved. I understand that under the FCRA, you are obligated to complete this investigation within a reasonable timeframe. 

Furthermore, I request that you provide me with verifiable proof of your findigs and actions taken upon completion of the investigation. Should it be determined that the disputed inquiries can not be verified or are found to be inaccurate, I insist that they be promptly removed from my credit report. 

I would like to remind you of the FCRA 's requirement for consumer reporting agncies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

Please acknowledge receipt of this dispute letter and inform me of the timeline for conducting the investigation and resolving the matter. I am prepared to cooperate fully with your investigation and provide any additional information or documentation necessary to facilitate a speedy resolution. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: TX

Complaint narrative:
Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Please see screenshot attached : Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TX

Complaint narrative:
Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Please see screenshot attached : Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: GA

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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.

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 2024-05-08 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: PA

Complaint narrative:
FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Several of the listed accounts contain inaccuracies concerning reporting, such as inaccurate amounts and dates.

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 2024-05-09 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:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-05-09 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: FL

Complaint narrative:
According to FCRA 605B, we must remove any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am filing this complaint due to Midland Credit Management , IncXXXX ( MCM ) 's repeated failure to provide requested information concerning a debt they allege I owe, their refusal to respond to my disputes and inquiries, and their decision to refer the matter to XXXX, XXXX XXXX XXXX, XXXX, thereby acting in bad faith and violating my rights as a consumer. 

Details of the Complaint : Failure to Provide Information : Despite multiple written requests sent via certified mail on XX/XX/2023, and XX/XX/2023, MCM has failed to provide adequate documentation or verification of the debt, including but not limited to the original creditor 's details, contract, and how the debt amount was calculated. These requests were explicitly outlined in my correspondence, yet MCM has not complied with these basic consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Ignoring Dispute Requests : MCM was notified within the legally prescribed timeframe that I disputed the validity of the debt they claim. The basis of my dispute includes discrepancies in the debt amount and lack of any original contractual agreement linking me to the alleged debt. MCM has neither acknowledged nor resolved these disputes, simply proceeding with collections without validating or verifying the debt. 
Referral to a Law Firm Without Resolution : After failing to provide the requested documentation and disregarding my dispute, MCM has escalated the situation by referring the case to XXXX XXXX XXXX XXXX XXXX, XXXX. This action has been taken without resolving the existing disputes, which I view as an attempt to intimidate and a disregard for lawful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.

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 2024-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On Monday XX/XX/year> I asked my loan XXXX XXXX XXXX if they can help in removing the junk fees listed on section A of my loan estimate, he said those are regular and not to worry. I was a loan XXXX myself for XXXX years so I found this conflicting with my experience. Thinking to myself that he would perhaps need XXXX approval to provide a concession to help remove those so I asked about providing a competing loan estimate which he quickly showed distaste for. Our XXXX XXXX act protects us from predatory lending officers incentivized by the commission of originated loans by letting us shop around. XX/XX/year> XXXX XXXX with the XXXX retail location of Loandepot gave me a loan estimate to compete with another lenders pricing I received that day. His offer was not better so I decided to proceed with the other lender, called and politely asked to withdraw my application and have my appraisal refunded. He then started yelling on the phone which conveniently was on an unrecorded line. Threatened me saying youre going to get it, karma is coming for you, then called my brother who is unaffiliated with my loan to talk about my credit, income, then lied about our closing date in hopes to scare me by having my brother reach out to convince me to stay with them. This is a breach of privacy and I dont think this loan XXXX along with his XXXX are ethical in the practice. The branch XXXX who very quickly ended our call to only provide an email saying they will withdraw my loan and refund my appraisal. I can only imagine what tactics are used in their predatory lending office to keep business flowing.

Company response to consumer: Closed with explanation