vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, 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 2024-03-21 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:
I have disputed with XXXX XXXX which is a debt collection agency which is a third party collecting on behalf of XXXX XXXX XXXX with the following credit bureaus XXXX, XXXX, and Equifax. For the amount of XXXX. After I disputed the alleged debt it came back verified which I dont understand how they never sent me what I requested which was proof of existence of alleged debt, and the alleged original purchase agreement with the original creditor and signed by all parties involved never received anything I also sent XXXX a cease and desist letter on XX/XX/2024 and asked for the same information I received nothing for the past 6 months I have been disputing inaccuracy on my credit report of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: PA

Complaint narrative:
I have disputed with XXXX XXXX which is a debt collection agency which is a third party collecting on behalf of XXXX XXXXXXXX XXXX with the following credit bureaus Experian, XXXX, and XXXX. For the amount of XXXX. After I disputed the alleged debt it came back verified which I dont understand how they never sent me what I requested which was proof of existence of alleged debt, and the alleged original purchase agreement with the original creditor and signed by all parties involved never received anything I also sent XXXX a cease and desist letter on XX/XX/2024 and asked for the same information I received nothing for the past 6 months I have been disputing inaccuracy on my credit report of this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
I've had XXXX XXXX for about 2 years +/- Previously I had XXXX. 
I had XXXX XXXX in Florida until XX/XX/2024 I then changed my address with XXXX in XX/XX/2024. 
Same Car, Same Person ( me ) same insurance policy, Same driver 's license. 
the only change made was updating my address to my new Alabama residence. 
When XXXX sent me the " new '' policy, They showed me as having 3 " at fault '' accidents. 
They received the information from LexisNexis. 
My old policy with XXXX showed the correct information as all " not at fault '' accidents. ( XXXX XXXX before the change of address ) I sent XXXX a letter that was sent to me from XXXX showing all such accidents as reported by LexisNexis as " at fault '', were " not at fault '' 2 of such " at fault '' accidents occurred when I was hit by another vehicle, while my automobile was legally stopped, such as stopped at a red light. 
My insurance is very high now. My credit score has been damaged. 
Nobody is working with me ( XXXX or LexisNexis ) what's worse, is I have no idea what else LexisNexis may have on my report. 
I'm afraid to apply for my XXXX XXXX XXXX in Alabama, I'm in the process of buying a new home. 
I'm not sure as of yet the extent of damage that LexisNexis has falsely created. 
I have the documents from XXXX who was my insurer at the time I supposedly had " at fault '' accidents. They identify me as NO Fault. I have " good drivers '' on my driver 's license. I've not had a ticket or at-fault accident in over 16+ years. 
I sent my Driver 's license to Lexis Nexis, my SS #, and the " no-fault '' letter from XXXX. I sent in the " no Fault '' to XXXX. 
Nothing has changed, This is a huge burden on me. 
I'm elderly : XXXX, XXXX and I find this unacceptable. 
Thanks for looking into this matter. I'm at a loss as to where LexisNexis received this false information. About 2 years ago, I also reported probable Identity Theft to FBI, XXXXXXXX XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry XXXX XXXX XXXX || Date of inquiry : XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Friday, XX/XX/XXXX my company gave me an American Express XXXX XXXX that was delivered to my email in the amount of {$450.00}. I was able to use this card several times from XX/XX/XXXX to XX/XX/XXXX and then it stopped working. There is no physical card attached, you are supposed to use it by adding to XXXX XXXX or online as a credit card. I can not get it to work anywhere now. My remaining balance is {$140.00} and I just want that money. I attempted to call the number in the email and got the automated phone call run around. I followed all the information on their website I could find, including waiting a month and trying the card again. Well, I waited longer than that and still can not get literally any vendor to accept this form of payment. There is no way to attach my name or address to it. So there is just money sitting there that I can not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 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: GA

Complaint narrative:
There is an inquiry on my Transunion credit report that does not belong to me. I demand the following fraudulent inquiry be deleted from my transunion credit report immediately. Please remove the following - XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: MO

Complaint narrative:
Since this account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX appeared on report I have been requesting validation. This company has refused to provide validation and has stated that the account was verified. According to the FCRA the company has to provide with validation of this debt. This account is now showing charged off. {$620.00} written off. {$580.00} past due as of XX/XX/XXXX. And the last status updated XX/XX/XXXX with a Balance of {$580.00}. 
Balance updated 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 explanation
Consumer complaint received 2024-03-21 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: AZ

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.

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 2024-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: MortgagePros, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX Signed VA Refi closing papers. 
XX/XX/XXXX found out from XXXX XXXX and mortgage company that Mortgage Pros mislead the property tax information on the Refi last year in order to get us to agree and sign the Refi. 
Due to the deceit we are now a year later finding out that Mortgage Pros put inaccurate property tax escrow information on the loan and now we have an Escrow shortage over {$2400.00} and our monthly mortgage increased {$500.00} more a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
I sent dispute notices to all credit bureaus as well as Navient to launch an investigation. I am not the only consumer having issues with Navient. They are not trying to resolve any issues. I was recently discharged from XXXX XXXX bankruptcy and my overall student debt was at {$45000.00}. Since I am a XXXX XXXX I applied for student loan forgiveness and my loans were consolidated. Navient was the servicer. Not one time did I receive notice in XX/XX/XXXX that I had a balance with Navient and that {$7000.00} was a private educational loan. They didn't attempt to call or anything. Before initially filing for bankruptcy when I was making payments with Navient, not one time was there a break down on statements indicating a public and private loan. Nevertheless they were provided with updated mailing addresses and telephone numbers as I went through a divorce. The only reason why I learned of the private loan was because I applied for a credit card to rebuild my credit and was denied because Navient reported to all credit bureaus delinquency dating back to XX/XX/XXXX. I immediately contacted Navient and got the run around. Finally XX/XX/XXXX I spoke with a Navient representative, filed a dispute with them to investigate the matter and at that time I spoke with a supervisor who told me it was my responsibility to update demographic information and I stated my information was updated back in XXXX before filing bankruptcy. I was then afforded an opportunity to enter a payment plan to where they can debit my account to take out monthly payments. They also told me that if I make 3 consecutive monthly payments, they will remove the late payments they reported to the credit bureaus and I have done just that. My first payment came out XX/XX/XXXX and I have been current since the agreement. Navient has not followed through with the agreement. They took the late payment off from XXXX, XXXX, XXXX, XXXX, XXXX, but put the late payments at the back end of the year for XXXX ( 30 days late ) and XXXX ( 60 days late ), but XX/XX/XXXX currently paid. So they didn't remove it just moved it back to the year end of XXXX. How can that be possible if my first agreed upon payment wasn't scheduled until XX/XX/XXXX. This has really ruined my credit. I am in the process of trying to get pre-approved for a mortgage and I can not move forward until they remove the late payments as agreed. I have written them letters and have called and they are unfairly treating consumers. Can someone please help me get this issue resolved with the late payments being removed as agreed because at this point Navient is practicing XXXX  techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I had recently opened a Checking, Savings, and Credit Card Account with XXXX. On XXXX I discovered that my account was locked, so I called into customer service and told my account was under review and to call the following Monday to speak with department in charge of my review. I called XX/XX/year> told under review but not why nor when would be resolved. I believe I called one other time between XX/XX/year> and today. I tried chat agent today who told me to call into customer service. I just called into customer service and again wasn't told why my account is under review, didn't get to speak directly with the department doing the review, and didn't receive a timeline for this to be resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX company and their contractor did not perform their services so I cancelled the contract. 
The home security system camera did not work. 
XXXX XXXX tried numerous times to correct the issue to no avail. 
XXXX XXXX, after 6 months, then turned the account over to their local branch XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was unable to reach the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  phone system is an endless loop. 
I was on hold on three different occasions for over 2 hours trying to reach someone to no avail. 
I cancelled because their security system wouldn't work and I was unable to reach the company. 
I sent certified letter from my attorney stating I was cancelling the contract due to non-performance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX submitted a claim on my credit report and ruined my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: GA

Complaint narrative:
I sent you a letter last month because you are reporting some late payments that are NOT accurate and I asked you to update these late payments to ON TIME PAID AS AGREED. 

You seem to not understand how serious this is because you have not fixed this issue for me. Please look at this letter as it is my XXXX ' time notifying you of some items that are incorrect, these are NOT Accurate on my credit reports. 

I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX, Please fix this immediately, this is my XXXX letter and I am trying to buy a home. 
Thanks for your help,

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