vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC
State: FL

Complaint narrative:
matter of utmost urgency and concern regarding the recent repossession of my vehicle, XXXX XXXX, which took place on XX/XX/XXXX at XXXX XXXX XXXX As per our previous correspondence and in adherence to the legal process, I had informed Global Lending Services to cease and desist all repossession attempts on the mentioned vehicle. This notification was in line with the XXXX proceedings that I am currently undergoing, and it was intended to ensure compliance with the legal framework governing such matters. 

Despite the explicit communication to cease all actions related to the vehicle, it has come to my attention that an unauthorized repossession occurred. This incident is a direct violation of the XXXX process and my rights as a debtor. 

I must emphasize that my ongoing XXXX proceedings require strict adherence to legal protocols, and any actions taken without due consideration of this process are not only unlawful but also jeopardize the integrity of the XXXX  proceedings. 

I am requesting an immediate investigation into this matter to ascertain how such a breach of protocol occurred. Additionally, I expect the prompt return of my vehicle to its rightful owner, as its repossession was not only unauthorized but also in clear violation of the bankruptcy laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grow Credit Inc
State: FL

Complaint narrative:
There is a fraud account on my credit report- negatively affecting my credit XXXX points - I have no access to this account and I have contacted Grow Credit Inc with no progress in XXXX  days. It is a {$70.00} loan?! come on, who gets a loan for that small amount? Did they get it to buy dinner at outback steakhouse? Keeps coming back as accurate from XXXX. Not sure what to do about this... 

XXXX RESPONSE : INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed.

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

GROW CREDIT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I requested a copy of my XXXX report to see if XXXX was reporting any Bankruptcies on my public records and from that report that was sent to me Dated XX/XX/2023, XXXX was not reporting any Bankruptcies on my credit file. 

This information was Disputed with XXXX Equifax and XXXX and the source that each credit bureau uses is XXXX and the results came back verified as accurate. 

If I have attached a copy of the letters directly from the courts whose stating that they dont report the information to credit bureau XXXX and the source each credit bureau uses which is XXXX and they are not reporting this information to the credit bureau XXXX then how are they verifying that the information is accurate? 

Each credit bureau has lied about placing the bankruptcies back into a reinvestigation as this has not been done accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I requested a copy of my XXXX report to see if XXXX was reporting any Bankruptcies on my public records and from that report that was sent to me Dated XX/XX/2023, XXXX was not reporting any Bankruptcies on my credit file. 

This information was Disputed with TransUnion XXXX and XXXX and the source that each credit bureau uses is XXXX and the results came back verified as accurate. 

If I have attached a copy of the letters directly from the courts whose stating that they dont report the information to credit bureau XXXX and the source each credit bureau XXXX which is XXXX and they are not reporting this information to the credit bureau XXXX then how are they verifying that the information is accurate? 

Each credit bureau has lied about placing the bankruptcies back into a reinvestigation as this has not been done accurately.

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 2023-12-29 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: 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 Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: MS

Complaint narrative:
Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear TransUnion, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. Upon reviewing my credit report, I noticed that you have added an address without my explicit consent, and my new auto loan is being reported without proper authorization.

I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices.

2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately.

3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act.

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. 

I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.

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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX at XXXX i received {$2500.00} by cashapp, i did not expect these funds and sent them back to the sender at XXXX. these funds were never deposited into my personal bank account but only came in to my cashapp wallet and left XXXX minutes later. a month later, cash app debited {$2500.00} from my personal chase account claiming there was a dispute with this payment. i have not be able to resolve this issue and cashapp customer support is poor to say the least

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
On XX/XX/2023, I applied to open a business checking account with Huntington Bank online. I uploaded my documents but they said they did not have all the documents necessary to open an account. I uploaded all the documents given to me by the Secretary of State for my state in XXXX. I have also opened up a previous bank account with the same documents. I called and they couldn't tell me what I was missing and the email sent didn't ask for any further documentation on what I was missing either. I have tried corresponding with XXXX XXXX, the person assigned to open my business checking account, for almost XXXX weeks now with no response. I have called repeatedly to the business line with no help and even called my local branch to have them try and get in contact with XXXX XXXX and someone else in the business department. Today, XX/XX/2023, I requested to have my information transferred to someone else since XXXX XXXX is not responsive and the representative on the phone said that's not possible. So if someone is out sick, dies, or quits, my information would just sit there forever with no action being taken. The feds need to look at Huntington Bank 's business processes because they are harmful and make no sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I received a letter from Online Information services regarding an account from a utility company. I disputed the account through XXXX and it initially came back validated. So I then wrote a letter ( Mid XX/XX/2023 ) to Online information services requesting the following information : 1. A detailed list of history of payments made by me on this account to include date account was opened, date of last payment, and the amount of the original debt.

2. Notification if any insurance claims have been filed on this debt.

3. Proof of chain of title for Online Information Services.

4. Also if this debt was incurred due to any anomalous condition, I need proof of ownership of failure. 

Online information services responded with the letter attached that is dated XX/XX/2023 and stated that they have no duty to report the requested information to me and again attached account activity from XX/XX/2023 to XX/XX/2023. This account has been open for 3 years or more. 

I resubmitted a dispute with XXXX after their response and the dispute result was favorable and the account was removed from the derogatory remarks section. 

Then I realized I had to dispute the other credit agencies and did so with XXXX next. 

The dispute came back validated and when I contacted XXXX they referred me to CFPB because a supervisor stated that all they got was a statement saying the amount billed was accurate and did not require proof from the debt collection agency. 

I have not been able to get proof of any validation of the amount of this debt from the utility company, the debt collection agency ( Online information services ), or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Early Warning Services, LLC
State: TX

Complaint narrative:
My information was stolen and used to open several accounts in my name. I have asked the collection agency to removed the inaccurate information and nothing has been done. 
XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX account number XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed Bankruptcies that were listed on my credit report with Equifax. 

I provided a copy of the letters Directly from the courts that read they do not report to credit bureaus information about bankruptcies. I also provided a letter directly from XXXX which is their source, who also stated they were not reporting the information to Equifax. 

Equifax has refused to remove this information and has lied about reinvestigating the bankruptcies with anyone and continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
I have been a victim of identity-theft on XX/XX/XXXX and from that point on, I have been battling with unauthorized accounts being opened in my name, which XXXX of the accounts was opened on XX/XX/XXXX, which is XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and a XXXX late payment, which was unauthorized by XXXX XXXX XXXX XXXX XXXX which is on a mortgage account on my credit file. These discrepancies are violating my rights under 15 USC 1681b and 15 U.S. Code 1681c-2. Therefore, Equifax is violating my rights and is still reporting these fraudulent accounts/ discrepancies on my credit file, which is a violation of my rights. Also, I have disputed these account several times, and when I called in a numerous of times, the representative says that they do not have my documentation that I sent in overnight certified mail, where I do have tracking numbers. Therefore, there is some unnecessary processes going on with Equifax and if these accounts are not removed from my credit file, then I will be filing a lawsuit and seeking damages of {$1000.00} per occurrence. Please correct this issue and comply with the law. Thanking you in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My son gave me an American Express gift card on XX/XX/2023. It was in the amount of {$400.00}. I have only been able to use my gift card once. I used on it XXXX/XXXX/203 at the XXXX on XXXX XXXX XXXX in for {$42.00} and purchase went through. However from XXXX XXXX XXXX XXXX. I have been declined at XXXX XXXX, XXXX on line once and a gas station in XXXX XXXX  ( I went inside to make my purchase. I have also been declined at the same XXXX on XX/XX/XXXX where my purchase went through on XXXX day. I spoke with a customer service rep on XX/XX/XXXX and was told my card was declined to my to my safety and protection of my card and that I could try other merchants. I don't have time to go all over town and see if my card will work on a purchase. Their web site says the card can be used anywhere. This is a not true. I can't use my card. I want my money. Also I am reading on the web site XXXX and d this is happening to a lot of people. AMEX is stealing our money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
On XX/XX/2023 I wrote an email requesting to dispute a debt from the creditor due to the incorrect balance amount that was shown that I owed. I was told to send documentation via email and that they stopped the dispute and would not put anything on my credit and I did. On XX/XX/2023 I attached a balance sheet from Genesis Credit via email to their employee XXXX XXXX- showing that the company said that the balance was {$18000.00} and was sent on XX/XX/2023. Yet, when they called me their balance was different and the amount was around $ XXXX. I kept following up with the company asking for verification of the debt via email and phone calls XXXX times after and they ignored me and reported the information on my credit instead. On XX/XX/2023 I sent another email and called Genesis twice requesting a debt validation letter again. On XX/XX/2023 I received a voicemail from their employee XXXX from her personal cell phone number saying that there was an emergency and I needed to call her ( she could see that I probably disputed the account ). Once I spoke to her she began to lie about the process of the dispute, the balance amount and even went to the degree on the phone call to say that they couldnt get ahold of their client to verify the debt and that youre being difficult so I am going to write down that youre refusing payment. I repeated XXXX times on the recorded phone call that I did not refuse payment. I called back and spoke to her supervisor XXXX who informed me that XXXX did mishandle my case and he advised for me to dispute the case with credit agency directly because he saw on his side where the client could not verify the correct balance for the debt that they bought from XXXX XXXX. He also stated that XXXX mishandled my case by reporting it directly to the credit bureau the day she spoke to me- she did not stop the collections as she told me she would for a dispute. She reported the information the first week I called her out of retaliation. I am attaching all balances that I have been told I need to pay or Ill be sent to jail and that this is such a high balance how are you ever going to pay it including the initial balance that was told to me but all of a sudden each month the balance changes.

Company response to consumer: Closed with explanation