vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting 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: LEXISNEXIS
State: PA

Complaint narrative:
I am deeply disappointed by the lack of response from LexisNexis regarding my request for my credit report. Despite my efforts to mail my request to both LexisNexis XXXX XXXX XXXX XXXX and LexisNexis Consumer Center, I have not received any acknowledgment or assistance. It's frustrating to feel ignored, especially when attempting to address important financial matters. Unfortunately, I am unable to afford tracking services to ensure the delivery of my request. I am reaching out desperately for assistance in obtaining my credit report as it is crucial for my financial planning and security. Any help in expediting this process would be greatly appreciated. Thank you for your understanding and support in this urgent matter. he specific law that grants consumers the right to obtain a free copy of their credit report is the Fair Credit Reporting Act ( FCRA ). Under Section 612 ( a ) of the FCRA, consumers are entitled to request and receive a free copy of their credit report from each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) once every 12 months. This provision ensures that consumers have access to their credit information and can review it for accuracy and completeness. Additionally, the FCRA outlines procedures for disputing inaccuracies on credit reports and requires credit reporting agencies to investigate consumer disputes in a timely manner. Overall, the FCRA aims to promote fair and accurate credit reporting practices and protect consumers ' rights in the credit reporting process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve the inquiry. There has been no communication between me and the lender on the specified date.

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 2024-04-27 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: TX

Complaint narrative:
I did not approve the inquiry. There has been no communication between me and the lender on the specified date.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve the inquiry. There has been no communication between me and the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : Account- XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The JPMC Bank Visa card shown on my credit report is NOT MINE. I have no knowledge of this credit card. I have not applied for this card, and I never have signed up for this card # XXXX. Please remove this card from my credit report as soon as possible. 
JP MORGAN CHASE BANK failed to provide my signed application. It is identity theft transaction. This fake transaction should be removed from my credit report as soon as possible. It is also the violation of Federal Regulation of 609, the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act ( FCRA ).

As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file unless the information is outdated under Section 609 or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account iam asking you to verify, account name, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I decided to end a loan request with the dealership/sales team. I was able to complete this cancellation. However, the company completed the process of direct billing from my checking account for {$190.00} shipping and {$500.00} BEFORE they approved the loan completely. I have an attachment from the sales unit apologizing for the sketchy process and advising me they will not return my money until XXXX to XXXX business days. Mind you these funds have cleared my account and have been finalized leaving my account in a negative ( attachment provided ). 

Finally attached are requests proving the requirements were NEVER completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand these accounts be deleted from my consumer report.

Thank you, Sergio Cruel

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 2024-04-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit report is showing that on XX/XX/year> Synchrony Bank received an inquiry from the store " XXXX XXXX '' for a credit card. I did not apply for a card from this store. I called Synchrony Bank @ XXXX XXXX and they couldn't find an application with my name/ Social Security number or phone number in there system. They said that they would show on their end that I was disputing this inquiry. I did file dispute with FTC also.

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 2024-04-27 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy there is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
THIS IS NOT MY ACCOUNT AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with theseaccounts, ( i.e.anORIGINAL CONTRACTBEARINGMYSIGNATURE ) XXXX formally request that this information be immediately deleted from the credit file you maintain under my social security number.

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 2024-04-27 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:
these XXXX XXXX  accounts are not mine. they are fraud and id theft and i want them deleted. 

XXXX XXXX account # XXXX XXXX XXXX account # 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 2024-04-27 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:
these XXXX XXXX accounts are not mine. they are fraud and id theft and i want them deleted. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: TX

Complaint narrative:
these us bank accounts are not mine. they are fraud and id theft and i want them deleted. 

XXXXXXXX XXXX account # XXXX XXXX XXXX account # 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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
My account was charged by a company called XXXX XXXX, i did not recognize or make the charges. I filed a dispute with documentation showing i contacted the merchant, showing the merchant should have been blocked because i had an issue with them with another bank. Chime financial did not investigate they just closed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
THIS IS NOT MY ACCOUNT AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with theseaccounts, ( i.e.anORIGINAL CONTRACTBEARINGMYSIGNATURE ) XXXX formally request that this information be immediately deleted from the credit file you maintain under my social security number.

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 2024-04-27 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, and XXXX are reporting fraudulent information on my credit report. Please know that I have sent FTC documents and identification documents and they are refusing to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: NC

Complaint narrative:
XXXX XXXX # XXXX {$20000.00}. I have disputed this item previously, requesting the ORGINAL WET INK SIGNATURE CONTRACT, pursuant to section 609a of the FCRA. This company has failed to provide me with this infomation in a timely manner, which they have not provided this information to me properly, which is fraud against my credit report. I have been provided with a COPY contract ( see attachments ) which is not deemed vaild by law. Not only is the contract not a ORIGINAL contract with WET INK SIGNATURE, there are multiple federal violation. THE COPY CONTRACT states that A CASH DEPOSIT was given along with the extension of credit by using a consumers social security number. PURSUANT TO 15 U.S. Code 1662, DOWN PAYMENTS ARE ILLEGAL. I have contacted my attorneys who is prepared to begin a litigation process against each agency who is reporting fraudulent information this is not VERIFIED to my credit report. I have received multiple letters that state " this item was verified '' which is not VALID VERIFICATION. DELETE THIS ITEM IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: NC

Complaint narrative:
XXXX XXXX # XXXX {$20000.00}. I have disputed this item previously, requesting the ORGINAL WET INK SIGNATURE CONTRACT, pursuant to section 609a of the FCRA. This company has failed to provide me with this infomation in a timely manner, which they have not provided this information to me properly, which is fraud against my credit report. I have been provided with a COPY contract ( see attachments ) which is not deemed vaild by law. Not only is the contract not a ORIGINAL contract with WET INK SIGNATURE, there are multiple federal violation. THE COPY CONTRACT states that A CASH DEPOSIT was given along with the extension of credit by using a consumers social security number. PURSUANT TO 15 U.S. Code 1662, DOWN PAYMENTS ARE ILLEGAL. I have contacted my attorneys who is prepared to begin a litigation process against each agency who is reporting fraudulent information this is not VERIFIED to my credit report. I have received multiple letters that state " this item was verified '' which is not VALID VERIFICATION. DELETE THIS ITEM 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 2024-04-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: VA

Complaint narrative:
I have a Dasher Direct Card powered by Payfare and I filed a dispute on XXXX for unauthorized charges by a merchant called XXXX totaling {$300.00}. On XX/XX/year> my dispute was denied and I immediately requested the documents used in determining the outcome but the refused Twice. Ive filed multiple complaints trying to get these documents they used from XXXX. There is no documentation that is the problem which means they wrongly denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
MOHELA is refusing to certify 2 PSFL for a Department if Veteran Affairs federal employee, employed from XX/XX/year> to current, all form were submitted multiple times the HR Special has contacted MOHELA verifying employment ect. 1 letter requested a qualified signature, when that was received 2 letter states the denied because the Department of Veteran affairs is a for profit organization which we all know that is not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: Self Financial Inc.
State: MI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report this is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I tried several times to get these accounts removed let alone my information was an XXXX and XXXX breach some months ago I thought you are will protect consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation according to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report, fairness and privacy has been violated. I am upset. I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional mental stress as of now. Also it is illegal These company should NOT be furnished peoples information to third-party companies this is ALSO illegal and neglect and fraud. I have already reported this to the local police department and Federal Trade Commission these companies in the credit bureau can be sued for these damages negative affecting my livelihood and putting me in a bad space fill your database is inaccurate, and I am filing against these if these items arent removed immediately.

Company response to consumer: Closed with explanation