vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis regarding inaccurate and unauthorized information that has been reported on my consumer report. I believe that this inaccurate reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request your intervention in resolving this matter promptly. 

The inaccurate information in question is detailed in my dispute letter sent to LexisNexis on XX/XX/2023, regarding Report Number XXXX. Despite my efforts to rectify these inaccuracies directly with LexisNexis, no resolution has been reached, and my consumer rights continue to be violated. 

The disputed items include : Identification Records ( XXXX XXXX XXXXXXXX ) Multiple names associated with my LexID without my authorization. 
Section 2 - Address Characteristics Records Unauthorized address variations reported on my consumer report.

Section 5 - Online Marketing Records Records reported without my express permission, violating my right to privacy.

Section 8 - Insurance Policy Records Insurance policy records reported without my written consent.

Section 9 - Department of Driver Services Records Driver services records reported without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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:
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. 

has violated my rights. Or a 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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express sent a mailer offering to upgrade the XXXX American Express credit card that I have had since XXXX. In XXXX of XXXX, I called American Express and updated the card. A few days later, the new XXXX XXXX card arrived. I have had my payments set up on automatic payments each month. In XXXX they notified me that my payment was not made. I called American Express and made a payment. At no time did they say it was XXXX accounts. They applied both payments to the XXXX card in XXXX. In XXXX I called again because I had another letter. At this time they told me I was in default for the XXXX account. I explained what had happened and paid the gold card payment and a {$1000.00} payment on the XXXX card to get the payments up on the reserve card at their request. A week later they told me that both cards were suspended and sent me a letter saying I had to pay both accounts in full to be reactivated after telling me that the {$1000.00} payment would bring my accounts up to date. 

Today, I spoke to someone who explained everything I am a senior and was not told it was XXXX accounts until XXXX. I was put on a payment plan for XXXX accounts but was told that non-payment on XXXX account impacts all accounts but not payments. As a senior on a fixed income who relies on my good credit standing American Express misled me to open up a second account and has damaged my good credit ratings. I need urgent assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered an unopened envelope from my mortgage Servicer. 

It contained an escrow overage refund check of {$1000.00}. The check expired 180 days after issuance, which was XX/XX/XXXX. 

I immediately contacted my mortgage servicer, Select Portfolio Services for re-issuance of the check. On XX/XX/XXXX, I spoke with XXXX. He said it would take up to 60 days for my to receive a new check. I e-mailed a copy of the voided check to them on XX/XX/XXXX. 

I followed up on XX/XX/XXXX and spoke with XXXX who said it was still being processed. 
I followed up on XX/XX/XXXX, spoke to XXXX who said nothing was done yet, then spoke to manager XXXX who said she would escalate. 
I followed up XX/XX/XXXX, spoke with XXXX who said it would be done within 10 days, nothing. 
I followed up on XXXX, spoke with XXXX who transferred me to the ombudsman Dept. I left a message. 
I followed up with ombudsman Dept on XXXX, XXXX said going to check into it. 
I followed up on XX/XX/XXXX and spoke to XXXX, no update I LMTC on XX/XX/XXXX I followed up on XX/XX/XXXX, XXXX said no update I followed up on XX/XX/XXXX XXXX said waiting on escrow LMTC XX/XX/XXXX. no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Via certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX. XXXX has no knowledge of nor has XXXX ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. CIG Financial is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question.

In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

The lender has failed to comply with all attempts to rectify the situation and has continued to harass and threaten to take the vehicle. 

This is a breach of contract and an adverse action for exercising my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: IL

Complaint narrative:
In accordance with the fair federal accordance act this creditor has violated my rights, under 15FSC 1681, section 602 states I have the right to privacy. 15FSC 1681 section 604A section 2, it also states that a consumer reporting agency can NOT furnish an account without my written authorization.

Under 15 FSC, 1666B, a creditor may NOT treat a payment on a Mortgage account under an open a consumer credit plan as late for any purpose.

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 2023-10-06 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:
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged multiple overdraft fees during my years with Bank of America and Im sure theres history in my bank account to verify those fees. There were consecutive feed charged for the same transaction. At times they would charge for one transaction 3x for three days overdraft ( {$35.00} each time ) and this happened multiple times for me. Please go through my banking history and you will see. I believe I am owed repayment for those fees. Also I lost my check that was also paid out from cfpb that was around {$19.00} dollars and something cents. Please check and resend another check. 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 monetary relief
Consumer complaint received 2023-10-06 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-06 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: PA

Complaint narrative:
I have received an updated copy of my credit report today and Im just disappointed to see the same unfamiliar accounts entered on my file. It seems that someone has been using my identity without my knowledge and I believe that I have raised this concern from your department before and until now I haven't received any correspondence from your end.

Please be advised that I never authorized anyone to make any changes or furnish inaccurate details on my credit report. I dont want to tolerate any fraudulent actions or activities like this as it may harm my reputation as a consumer. I want you to immediately remove these unidentified accounts from the list : 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  I would appreciate receiving another updated copy of my credit report without these unfamiliar accounts from my files.

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 2023-10-06 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 received an updated copy of my credit report today and Im just disappointed to see the same unfamiliar accounts entered on my file. It seems that someone has been using my identity without my knowledge and I believe that I have raised this concern from your department before and until now I haven't received any correspondence from your end.

Please be advised that I never authorized anyone to make any changes or furnish inaccurate details on my credit report. I dont want to tolerate any fraudulent actions or activities like this as it may harm my reputation as a consumer. I want you to immediately remove these unidentified accounts from the list : 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 I would appreciate receiving another updated copy of my credit report without these unfamiliar accounts from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NY

Complaint narrative:
I am writing to dispute the presence of an unauthorized hard inquiry on my credit report, as listed in the report I received from your agency. I have identified an inquiry that was made without my consent or knowledge.. 

To assist you in your investigation, here is the inquiry that I am referring to : -- EQUIFAX -- XXXX  - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There were several fraudulent charges from XXXX, XXXX and XXXX on my City XXXX XXXX Card out of XXXX XXXX XXXX XXXX XXXX, SD XXXX. The charges were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XXXX and I did not make any of them. I was in XXXX these last 7 months ( overseeing my mom 's death, last will and testament /paperwork/inheritance ). I called them from XXXX, XXXX to let them know I had not made those fraudulent charges and asked them to close my account and dispute the charges. They said there would do an investigation, but in the meanwhile the XXXX charges were made even though i had asked them to stop and close the account. I thought the problem had been resolved and I just came back to XXXX XXXX XXXX, 2023... .just to find all these past months the City XXXX XXXX Card has been charging me with LATE FEE PAYMENTS and INTEREST CHARGES on the fraudulent charges I had disputed. I have called them 4 times these last week and they keep on transferring me to different departments that just give me the run around and have not resolved the issue in over 4 months. Also, every time I call I get XXXX representatives and it is super hard to understand what they are saying. It is very frustrating trying to speak with them. I should not have to pay for late fees for fraudulent charges I did not make. Every time I call them they transfer me at least XXXX different times to representatives who can not help me and put me on hold for long time at a time. No one has been able to help me solve this matter. They told me they had already removed the fraudulent charges, but they still want me to pay for the All i want is for the LATE FEE PAYMENTS AND INTEREST CHARGES. Please help. So far it has been a really pain in the neck just trying to communicate with them.

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 2023-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: PA

Complaint narrative:
Credit Control LLC called me about a medical debt. They requested I pay with them over the phone. I asked for a debt validation letter. They said they could email it to me. I gave them my email. They refused to give me the letter until I made a payment. I told them again I would need a letter or an email validating my debt. They said in order to do that I would need to make a payment with them right now over the phone.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian keeps deleting my address from my consumer profile. Experian keeps removing my address. Add my address back to my consumer profile.

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 2023-10-06 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:
n accordance with the Fair Credit Reporting act XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
On XX/XX/2023, received debt collect email for {$510.00} from Columbia Debt Recovery llc dbz Genesis for XXXX which is over parkway lofts apartments. This amount was a false move out fee which was already disputed with the apartments years ago. In fact they still have a {$500.00} deposit which we never got back which is supposed to go to fees like the one they made anyway, but again the move out charge was already disputed and the apartment could not even prove the charge just sent random photos of a clean apartment. 
Even just taking a look at the XXXX pages for Genesis, and XXXX there are thousands of complaints of fraud and people having to take them to court every year. Also hundreds of reviews on XXXX how the Genesis employees verbally abuse and harass people. After multiple calls with Genesis who even they saw that the {$500.00} deposit money is on the lease and we never saw any of it, they keep saying they tried to call XXXX over and over but never get a response back. This has made a negative report on our credit scores for a false charge as well as our security deposit money being withheld.

Company response to consumer: Closed with explanation