vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: LEXISNEXIS
State: TX

Complaint narrative:
This company has listed an inaccurate bankruptcy on my credit report. Despite placing a credit freeze on my LexisNexis account, they have been divulging my information to third parties. The reported bankruptcy is erroneous and must be removed promptly. 

XXXX has stated that LexisNexis verified this incorrect information as accurate. However, I am unsure of how or by whom this verification was conducted. I have been in contact with the XXXX XXXX XXXX XXXX and have neither released nor verified any information with anyone. I demand the immediate removal of this entry from my credit report. I am prepared to pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for a collection with TransUnion ( File number : XXXX ) and it has now been over 35 days and they still have not made a decision or notified me.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently came across an XXXX XXXX closed/charged off account that was disputed back in XX/XX/XXXX to company directly and the account was later removed from only my XXXX credit XXXX on XX/XX/XXXX, but it is still reporting on my Trans union as a open account which inaccurate and also on my XXXX credit profile as a negative account, this is a violation of my consumer rights, this inaccuracy has been harming my credit worthiness and I would like this account removed from both my Trans union and XXXX credit profile immediately because all 3 credit bureaus needs to reporting the same accurate information. 

Account Name : XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-05-19 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: Kikoff Inc.
State: OH

Complaint narrative:
I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MD

Complaint narrative:
In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MD

Complaint narrative:
In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

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 2024-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase has my money on hold the total of XXXX $ even though they took the money out of my account. They said I have to wait 60 days which is illegal I want my funds release I will not be using Coinbase anymore I will be opening a law suit too if my funds arent release I have already submitted all document for proof of funds like my ID and ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I formally requested by certified mail the following with no response over 30 days, XXXX. documentation related to the following collection account : Name and Address of the Original Creditor Detailed Statement of the Alleged Debt Amount of the Alleged Debt : {$580.00} Proof of Authorization to Collect this Debt on Behalf of the Current Creditor Verification that the Debt falls Within the Statute of Limitations They Only as of XXXX weeks ago reduced the debt by XXXX making it XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-19 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: NJ

Complaint narrative:
I have supplied my divorce decree / Marital agreement multiple times to all three creditors asking for a loan to be removed off my report because it is court ordered for my ex to pay the loan. Even though both of our names are on the loan he is court mandated to pay it. He has stopped paying this loan and it has messed up my credit. I even had to pull all my money out of my normal bank because of this issue. I need help getting this off my credit and fixing my credit report. Thank you. 

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 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
Around XX/XX/2024 I recieved a notification on my credit report from company ( National Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) that a debt collection in the amount of approximately {$1900.00}. 
Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2024-05-19 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: MD

Complaint narrative:
I did a soft pull according to a website and it was reported as a hard injury. I tried to talk to XXXX XXXX and said go to XXXX XXXX  and they said they could not write a letter of deletion so I can send to alll XXXX credit bureaus.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I am writing this to dispute this inquiry that is fraudulent. This has caused me so much stress recently as I am getting denied from a home mortgage and my score crashed. I have already contacted Experian to freeze my file and dispute these. I also filed an FTC report for fraud. This inquiry is fraud and needs to be immediately removed. I have attempted to contact this company but I can't reach anybody! Please get this removed as soon as possible or I will seek legal action. Again, this were not made or authorized by me. Thank you. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/2024

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I received a notification about a negative collection item on my credit report. I tried contacting the provided email and phone number but got no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was checking my credit and this account has errors that affect my credit score and it does not allow me to process with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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