vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: CO

Complaint narrative:
On XXXX, XXXX, XXXX  My attorney and I spoke with Lexis Nexis regarding a bankruptcy that is on my account. We were told by the agent at lexis Nexis that the Colorado bankruptcy court reported to them that I filed bankruptcy. My attorney and I called the Colorado bankruptcy court, requested a copy of their reporting procedures in which they emailed it to us, we forwarded that to lexis Nexis immediately. Lexis Nexis said they would submit a dispute ; we were told to wait XXXX  days for the results. I called back XX/XX/2023, and was told that they completed the request, nothing had changed so they said they would resubmit another dispute in which they did. I was told to call back on XX/XX/2023, and was told the request was completed, nothing had changed again but they would resubmit another dispute again in which they did. On XX/XX/2023, I spoke with lexis Nexis again, they told me to call back because the investigation was not complete so on XXXX my attorney typed up a letter for me to forward to them again. I sent the letter via certified mail in which lexis Nexis received it on XX/XX/2023, and the request for dispute was resubmitted that say, I was told to call back again so on XX/XX/2023, I called again, and one agent told me the bankruptcy was removed from my credit report however, I called back a little later to ask another question and was told that the bankruptcy was not removed. I asked that they confirm that they received the information we have been sending, they did confirm that they received the letter and would submit that letter, along with a copy of my ID, with the copy of the letter of reporting procedures from the Colorado Bankruptcy court was submitted along with a letter from my attorney. Per my attorney 's letter to lexis Nexis he clearly states that they are improperly reporting an alleged public record to the credit bureaus and is clearly not in compliance with recognized XXXX reporting standards and the XXXX as well as the FCRA regulations. I spoke with lexis Nexis today and they just keep asking me to resubmit another dispute. So, I am asking you to please help me with this so I can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: NJ

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-11-09 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: NJ

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: NJ

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 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 2023-11-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
CRA Experian has failed to enter required Notice of dispute, is now in violation of FCRA section 623 ( a ) ( 3 ) DUTY to provide Notice of Dispute. On my credit report, after I have submitted disputes for inaccurate information on my 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Description of the Issue : I am writing to file a formal complaint against Capital One, a creditor, for inaccurate reporting of negative information to the credit reporting agencies. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. I request your assistance in investigating this matter and ensuring the accurate reporting of my credit information.

Capital One has reported a late payment on my credit report for the date mentioned above, which I dispute as inaccurate. I have attached supporting documents, including payment receipts and account statements, which demonstrate that the payment in question was made on time. Despite my efforts to rectify this error with Capital One, they have not corrected their reporting to reflect the accurate payment history.

Laws and Statutes Violated : 1. **Fair Credit Reporting Act ( FCRA ) : ** Capital One 's inaccurate reporting violates the FCRA , which requires creditors to furnish accurate and complete information to credit reporting agencies ( 15 U.S.C . 1681s-2 ).

2. **FCRA Section 611 : ** This section grants consumers the right to dispute inaccurate information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation ( 15 U.S.C. 1681i ).

3. **FCRA Section 623 : ** This section mandates the maximum possible accuracy of consumer reports and imposes obligations on data furnishers to provide accurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

4. **FCRA Section 616 : ** This section outlines the responsibilities of furnishers of information to correct inaccuracies in their reports ( 15 U.S.C . 1681n ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had started a free trial of Experians Creditworks Premium membership on XX/XX/2023. I proceeded to cancel it on the same day due to the fact that I didnt really see it as much help. Its a 7 day free trial and I cancelled it on the first day. I proceeded to get charged ( {$27.00} ) for a month of the membership the following week. I called to ask why I was charged and was told that my account had been downgraded the same day as I got billed. Id still have the services of the Premium membership for 30 days but that I wouldnt get charged next month.

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 monetary relief
Consumer complaint received 2023-11-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They didnt remove items 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 2023-11-09 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: Experian Information Solutions Inc.
State: NY

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXXXXXX CHILD SUPPORT ENFORCEM XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 item of information, other than records of convictions of crimes, 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. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-11-09 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: TX

Complaint narrative:
My personal identity was leaked twice in a data breach. The first occurrence was on XX/XX/XXXX, and I received a letter informing me of the incident on XX/XX/XXXX. The second occurrence was on XX/XX/XXXX, and I received a letter dated XX/XX/XXXX. 

Since then, numerous attempts have been made to open credit cards and loans under my name. I contacted the individual companies on each occurrence, reported fraud, and placed a freeze on my credit file on XX/XX/XXXX. Disputes I've made over incorrect addresses, phone numbers, accounts, etc. on my credit file ( s ) have been denied by XXXX and Transunion on multiple occasions. A recent dispute I filed with XXXX XXXX Transunion to remove an additional account under my name ( used fraudulently ) was denied. This is not acceptable ; I have been subject to identity theft on at least two occasions.

I have attached extensive records to support this complaint. Included are the letters originally sent informing me of the two separate data breaches. I've attached a police report that lists me as a victim of fraud on page five of the attachment. Portions of my credit file ( s ) with the fraudulent account ( XXXX  ) & inquiries still included are attached. Finally, I will include identity theft report ( s ) filed with the FTC.

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 2023-11-09 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: TX

Complaint narrative:
My personal identity was leaked twice in a data breach. The first occurrence was on XX/XX/XXXX, and I received a letter informing me of the incident on XX/XX/XXXX. The second occurrence was on XX/XX/XXXX, and I received a letter dated XX/XX/XXXX. 

Since then, numerous attempts have been made to open credit cards and loans under my name. I contacted the individual companies on each occurrence, reported fraud, and placed a freeze on my credit file on XX/XX/XXXX. Disputes I've made over incorrect addresses, phone numbers, accounts, etc. on my credit file ( XXXX ) have been denied by XXXX and XXXX on multiple occasions. A recent dispute I filed with XXXX XXXX XXXX to remove an additional account under my name ( used fraudulently ) was denied. This is not acceptable ; I have been subject to identity theft on at least two occasions. I have attached extensive records to support this complaint. Included are the letter
s originally sent informing me of the two separate data breaches. I've attached a police report that lists me as a victim of fraud on page five of the attachment. Portions of my credit file ( s ) with the fraudulent account ( XXXX  ) & inquiries still included are attached. Finally, I will include identity theft report ( s ) filed with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There is inquiries that wasn't authorized by me and it's affecting my life because I'm unable to obtain credit or loans only because I have way too much inquiries I would understand if it was me who made those inquiries but it wasn't therefore i want them to remove it from my credit report upon them reinvestigating the inquiries and if can't be verified please delete them.and send me a update credit report thank you

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I contacted XXXX regarding a {$1400.00} debt created on through fraud using my social security number and most likely part of my name on or around XX/XX/2023. XXXX transferred me to their collections then to the fraud department. Each representative was being recorded by XXXX and by their own system and at each level was informed of the recording. The Fraud Representative with XXXX verified that the address I provided, my address for the past 7 years, was not in their system. He further verified he did not have record of my middle name or the phone number I provided. They are investigating but refused to provide me the name and information of the individual. I have filed a police report with the City of XXXX regarding the fraud that Comenity/Sephora facilitated by issuing credit to someone besides myself which has negatively impacted my credit score. XXXX Police Report tracking number currently is XXXX and the reprort was filed on XX/XX/2023. I attached the initial police report and a copy of the Esperian report for the file.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-09 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: CO

Complaint narrative:
I have submitted multiple certified leters and complaints with CFPB and there are still exiisting inquiries on my credit filed I did NOT request, PLEASE REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: CO

Complaint narrative:
I have submitted multiple certified leters and complaints with CFPB and there are still exiisting inquiries on my credit filed I did NOT request, PLEASE REMOVE.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Description of the Issue : I am writing to file a formal complaint against XXXX XXXX, a creditor, for inaccurate reporting of negative information to the credit reporting agencies. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. I request your assistance in investigating this matter and ensuring the accurate reporting of my credit information. 

XXXX XXXX has reported a late payment on my credit report for the date mentioned above, which I dispute as inaccurate. I have attached supporting documents, including payment receipts and account statements, which demonstrate that the payment in question was made on time. Despite my efforts to rectify this error with XXXX XXXX, they have not corrected their reporting to reflect the accurate payment history. 

Laws and Statutes Violated : 1. **Fair Credit Reporting Act ( FCRA ) : ** XXXX XXXX 's inaccurate reporting violates the FCRA XXXX which requires creditors to furnish accurate and complete information to credit reporting agencies ( 15 U.S.C . 1681s-2 ).

2. **FCRA Section 611 : ** This section grants consumers the right to dispute inaccurate information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation ( 15 U.S.C. 1681i ).

3. **FCRA Section 623 : ** This section mandates the maximum possible accuracy of consumer reports and imposes obligations on data furnishers to provide accurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

4. **FCRA Section 616 : ** This section outlines the responsibilities of furnishers of information to correct inaccuracies in their reports ( 15 U.S.C . 1681n ).

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 2023-11-09 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: NJ

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was checking my credit report and I noticed inquiries that I had not authorized. I have contacted the credit bureau several times and disputed these inquiries, but the only thing they say in return is that the company verified the information. How can you verify if I have not applied for anything? Transunion has listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX / XXXX XXXX. XXXX has no inquiries reporting because that is accurate.

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