vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Lexis NexisXXXX RE XXXX Requesting a Method of Verification Letter To whom it may concern : XXXX has confirmed that Lexis Nexis has verified the accuracy of a reported bankruptcy that is being fraudulently reported on my consumer report without my written authorization. I am requesting proof of this alleged bankruptcy that Lexis Nexis continues to report as accurate and verified to outside credit agencies. This act is not only a violation to the FCRA, but it is also illegal. For this reason, I am requesting deletion of this record. 

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AL

Complaint narrative:
This debt collection company is trying to collect debt that is not owed to them. They apparently bought debt from an apartment complex that I use to live in. I have spoken with them several times and told them that the {$5800.00}. Is not the amount of the debt owed! This amount is totally wrong! I left the apartment in XX/XX/2022. They are claiming in XXXX of 2022that debt was owed. I turned in my notice to evacuate the apartment in XXXX of 2022 more than 60 days before I moved out. Matter of fact another tenant moved in to my apartment in XXXX the same month I moved out! So how can I owe them additional rent? They are committing fraud and abuse! They have put this on my credit report and bringing my score down. Also making it hard for me to rent another apartment. I have called them about this several times and contacted the credit bureaus about it. But to nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Credit application done on XX/XX/23 Fraudulent application in my name

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 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my XXXX XXXX XXXX account in the total amount of XXXX USD utilizing Zelle 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Denied Dispute of Fraudulent Charges The morning of XX/XX/2023 I woke up to multiple charges on my cashapp account in small increments until my account balance was at {$0.00}. All the transactions had happened simultaneously in a matter of minutes. I instantly cancelled my debit cash card, ordered a replacement and contacted Cashapp Support as to the fraudulent transactions. I was told there was not anything they could do while the charges pending and they would likely go away. Once they were no longer pending and permanently charged to my account I called Cashapp Support and had to file a dispute for every charge I absolutely did not authorize. 5 of the disputed transactions came back and were returned to my account as fraudulent, a tiny fraction of the amount I had disputed. All the rest of the fraudulent transactions were denied and was told I could file another dispute on the fraudulent transactions that were denied. I repeatedly was told to do this several times and each time the outcome was denied. Finally, I was referred to the claims department and they would email documentation as to what factors determine why my disputed transactions were denied. The only documentation I received was a list of the fraudulent transactions which were denied, very similar to a statement which I can plainly see when I open Cashapp on my XXXX. When I called Cashapp Support once again to inform them the so called documentation I was sent told me nothing as to why my disputed transactions were denied and did not make sense why their claims department would refund a tiny fraction of the disputed transactions as fraudulent and the rest of the exact same transactions I disputed from the exact same merchant ( s ) operating under the same name as the popular yet controversial social media platform XXXX  were denied. I had no way of obtaining the merchant ( s ) contact information and Cashapp Support refused to give it to me. This process has taken up so much of my time and effort causing a ton of stress, XXXX, mental anguish and distress to where at this point I feel like this issue has become more about the lack of legal and fiduciary obligations to resolve this issue has effected my well being than it is the funds that were fraudulently take from my account. I seriously hope there is something we can do about this issue and prevent this kind of thing happening to anyone else in the future. I do have all the documentation I.ve been sent and any correspondence I have had with Cashapp Support regarding this issue as well. I look forward to hearing back from someone real soon and please reach out if you have any questions or concerns regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act, the below accounts has violated my rights. : XXXX, ACCT # XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, ACCT # XXXX 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

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OK

Complaint narrative:
to whom it May Concern the late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting please delete if you fail to verify I demand you show supportive documents that your reporting is accurate this is a violation of the 15 USC 1666 b violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXXXXXX : XX/XX/2023 Thank you in advance, 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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act, the below accounts has violated my rights. : XXXX, ACCT # XXXX XXXX XXXX, ACCT XXXX XXXXXXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXXXXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, ACCT # XXXX 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

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act, the below accounts has violated my rights. : XXXX, ACCT # XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, ACCT # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I havent been able to get into my equifax report in months. I was reading online about it and a lot of people are saying the same thing and they are even reporting people dead. 


I called them but no return call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I purchased a one-way ticket from XXXX to XXXX to XXXX on XX/XX/2023. The authorization page after my purchase said XX/XX/2023. I received a confirmation email from XXXX ( the merchant ) saying that to please note that they changed my reservation date to XX/XX/2023. I emailed them telling them that this wasn't the date I requested or paid for. They told me that I needed to speak with the airline it was for directly ( XXXX XXXX ). I called XXXX XXXX, and they told me that I had to speak with who I bought the ticket from since they didn't have access to that information. I tried calling XXXX, but the phone just keeps on ringing. I sent multiple emails, and they just didn't respond. That's when I disputed the charge on my credit card. After sending Chase my confirmation email saying how they changed the date, they still denied my claim sending me an invoice and email from the merchant. My email is time stamped with the date. The merchant clearly just sent an email without this note on it. As for the invoice, it does say XX/XX/2023. However, they can change the date while still using my authorization. For example, I purchased from another site before this one for XX/XX/2023. The merchant emailed me and said that XX/XX/XXXX wasn't available, but XX/XX/XXXX was. They could change the date if I wanted that. I told them no and they cancelled the reservation. They weren't going to reauthorize or re-request my signature, and I wasn't going to have to re-buy the ticket. They were going to use my authorization for the XX/XX/XXXX date. This is what XXXX did for the XX/XX/XXXX date, but did not ask me if I wanted to change the date or cancel the reservation. They changed it without my authorization and charged me for it, and used my authorization for the purchase made for XX/XX/XXXX. I then spoke with someone from Chase about the denied disputed claim. She kept changing what she was saying. At first, she said they didn't receive proof from me that the merchant changed my date of flight. Then, she said they did receive an email I sent as proof, but they couldn't use it even though the merchant used an email as proof, and the person I spoke with on XX/XX/XXXX told me I could use it as proof Then she kept looking for the email I sent and had to put me on hold. She then told me that I had to reopen the claim.

Company response to consumer: Closed with explanation