vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate.

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 
o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was working with someone to rent a home and they refused to send me a refund and stopped responding when I changed my mind on the rental. I reached out to my bank, Chime, and informed them and asked if they could assist in returning my money to me as the transfer was within the banking system to another Chime bank customer and I was told they couldnt do anything for me and to call the police and go to small claims court. When I asked how they stop their customers from using their platform to scam people out of their money I was told they had no procedure to do so and that prevention and educating their customers that they dont provide fraud assistant on transfers within their bank to other bank customers who are defrauding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate.

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts 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 2024-03-11 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: FL

Complaint narrative:
I am writing to provide additional information and request further assistance regarding my previous complaint filed with your organization ( Reference # XXXX ) concerning inaccurate and incomplete information provided by Lexis Nexis to the Credit Reporting Agencies ( CRAs ). Despite Lexis Nexis ' response, I continue to experience issues, and I believe there are further details that warrant your attention.

Lexis Nexis claimed that they were unable to authenticate my identity, initiating a dispute on my behalf. However, I want to clarify that Lexis Nexis already has my identification information on file, as evidenced by the attached documentation. Their contention that they do not issue tradelines but only resell information is not accurate. 
Additionally, I recently discovered that XXXX was not reporting any bankruptcy on my credit file until I filed a complaint with the CPFB on Lexis Nexis. Subsequently, XXXX began reporting the bankruptcy information. Enclosed with this letter, you will find documentation supporting this claim. 
I am formally requesting the removal of the bankruptcy information associated with case numbers XXXX and XXXX from my Lexis Nexis consumer report. I have obtained a letter from the Bankruptcy court explicitly stating that they do not provide information to the CRAs. That includes Lexis Nexis. This unequivocal statement serves as evidence of the inaccuracies and lack of verification in the information reported by Lexis Nexis. 
Furthermore, I request that Lexis Nexis delete any personal information from my consumer report, excluding the correct spelling of my name, current address, current telephone number, and current email address. As per the Fair Credit Reporting Act ( FCRA ) law, specifically 15 USC 1681i ( 5 ), Lexis Nexis has a duty to maintain accurate information in my consumer file. The inclusion of inaccurate bankruptcy information and the failure to verify my identity are clear violations of this statute. 
I assert my right to privacy and emphasize the importance of Lexis Nexis adhering to permissible purposes outlined in the FCRA. The inaccurate information has caused me significant distress and may adversely affect my creditworthiness. I kindly request your continued assistance in resolving this matter promptly and ensuring that Lexis Nexis rectifies the inaccuracies in my consumer report.

Enclosed with this letter, please find additional supporting documentation, including XXXX 's reporting changes and any information that may aid in the reinvestigation of this dispute. 
Thank you for your attention to this matter, and I appreciate your ongoing assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: IL

Complaint narrative:
The following account is violating my consumer rights as the account is reporting a late payment and it is against the law to report late payments on my credit report under the following consumer laws : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law I LII / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The following XXXX 's account is inaccurate and reporting a late payment for XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Foremost, XXXX  XXXX is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX  XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, Transunion, XXXX XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Foremost, XXXX  XXXX is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX  XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Foremost, XXXX XXXXXXXX is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of IXXXX and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX  XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per XXXX0 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7

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 2024-03-10 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
In XXXX and XXXX of XXXX, I encountered issues with counterfeit items purchased via XXXX and XXXX, leading to disputes involving charges totaling {$2700.00} with Goldman Sachs Bank USA regarding my Apple Card transactions. Despite providing detailed evidence, including third-party authenticity reports from XXXX XXXX, my journey to resolution faced numerous obstacles. 

From XX/XX/XXXX onwards, I actively pursued resolution, encountering requests for evidence resubmission and delayed acknowledgments from Goldman Sachs. Despite these efforts, a conclusive resolution seemed elusive. In XX/XX/XXXX, a chargeback reversal was issued without my full evidence being considered, as later communications suggested. 

A Goldman Sachs representative contacted me on XX/XX/XXXX, promising a follow-up call the next day regarding the re-investigation of my disputes. This call never occurred. Instead, I received an email on XX/XX/XXXX, indicating resolution in my favor for one of the disputes but no mention or resolution for the second dispute, specifically the {$2000.00} charge from XXXX. 

The bank 's response to my CFPB complaint implied both disputes were resolved in my favor, with monetary relief granted. However, the absence of the second credit contradicts this implication, highlighting a significant discrepancy in their actions versus their communicated commitments. This sequence of events underscores not only a breakdown in communication but also a failure to fully honor the resolutions promised, particularly concerning the credit for the second dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My XXXX loan shows a period of delinquency when I was actually in an XXXX repayment plan. 
o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
Equifax Is in violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : I have contacted Equifax numerous time in reference to the XXXX XXXX XXXXXXXX opened XX/XX/XXXX. This is a fraudulent account that is reporting on my credit report. It says CLOSED with Last payment of XXXX XXXX, XXXX, with a payment made in XX/XX/XXXX. I am a victim of identity theft, this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX accounts, ending in XXXX, and XXXX, and XXXX XXXX up on my credit report with Equifax, as being charged off.Those Charge-Offs are considered Certificates of Indebetedness.Certificated of Indebtedness mean that it is Income, and must be removed ; as per 15 USC 1681b - Permissible Purposes and the Family Protection Act of 1974 XXXX XXXX accounts ending in XXXX and account ending in XXXX, and XXXX XXXX XXXX were charged off and show up on my credit report as being charged off, with XXXX. 
A Charge-Off is considered a Certificate of Indebtedness ; which means that it is Income, and must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports and the Family Protection Act of 1974. 

XXXX XXXX accounts ending in XXXX and account ending in XXXX, and XXXX XXXX XXXX, and XXXX, were charged off and show up on my credit report as being charged off, with XXXX. 
A Charge-Off is considered a Certificate of Indebtedness ; which means that it is Income, and must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports and the Family Protection Act of 1974.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the late payments that have been reported on my credit file. Upon reviewing my credit report, I noticed that there are entries indicating late payments on XXXX  XXXX XXXX for the months of XXXX and XX/XX/year>. I would like to request an investigation into these entries as I believe them to be 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
For several years to-date, XXXX and XXXX are committing some criminal activity on my Credit Reports XXXX XXXX effort to suppress my XXXX  account and my Credit Scores, Ive never Reported a balance on this account since I received this pitiful little Secured XXXX Card, I mean really! This month XXXX Reported a {$260.00} balance due on this account, again Ive never once had a balance on this XXXX XXXX card account. To Counter this threat by XXXX XXXX XXXX, at my beautiful creative XXXX years and at the mere age of XXXX, I keep forgetting that XXXX a XXXXXXXX XXXX and Ive got to use other Resources besides the CFPB, Consumer Financial Protection Bureau, because of this personal threat by XXXX XXXX XXXX, For this Cause, Ive Reached out to the U. SXXXX XXXX XXXX XXXX Elder Fraud & Abuse, their XXXX XXXX XXXX XXXX at XXXX to investigate this threat to both myself and other XXXX XXXX across the country to investigate this Real threat to the XXXX XXXX XXXX XXXX to-date. Please help with this investigation and threat with this blatant disregard & criminal activity by XXXX XXXX XXXX with False Accuracy of Reporting under the Fair Credit Reporting Act, FTC. Federal Trade Commission, 15 U.S.C. section 1681 & 1682. Im going to bring attention to every Federal agency available, see because if these REPORTING AGENCIES are threatening me like this with the wealth of knowledge Ive got, these criminals are certainly Dumbbells if you ask me, Real Dumbbells!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TN

Complaint narrative:
For several years to-date, XXXX and Experian are committing some criminal activity on my Credit Reports in an effort to suppress my XXXX  account and my Credit Scores, Ive never Reported a balance on this account since I received this pitiful little XXXX  XXXX Card, I mean really! This month XXXX Reported a {$260.00} balance due on this account, again Ive never once had a balance on this XXXX XXXX XXXX  account. To Counter this threat by XXXX XXXX Experian, at my beautiful creative XXXX  XXXX  and at the mere age of XXXX, I keep forgetting that Im a XXXX XXXX  and Ive got to use other Resources besides the CFPB, Consumer Financial Protection Bureau, because of this personal threat by XXXX XXXX Experian, For this Cause, Ive Reached out to the U. S. Department of Justice, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX at XXXX to investigate this threat to both myself and other XXXXXXXX XXXX across the country to investigate this Real threat to the XXXX XXXX XXXX Community to-date. Please help with this investigation and threat with this blatant disregard & criminal  activity by XXXX XXXX Experian with False Accuracy of Reporting under the Fair Credit Reporting Act, FTC. Federal Trade Commission, 15 U.S.C. section 1681 & 1682. Im going to bring attention to every Federal agency available, see because if these REPORTING AGENCIES are threatening me like this with the wealth of knowledge Ive got, these criminals are certainly Dumbbells if you ask me, Real Dumbbells!

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 2024-03-10 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I nave recenty found on my credit report the presence C several inquires as entries separate from their corresponding accounts. These inquires duplicate inaccurately the information in my file. The inquiry entries should be deleted or at least merged into the accounts to which they belong Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i ( 5 ) ( A ), you are allowed thirty days from receipt of The purpose of this credit repair letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i ( a ).

Also, according to 15 USC Section 1681i ( D ) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit iport to the address below.

There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act. 

I appreciate your assistance with this matter.

Company response to consumer: Closed with explanation