vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to Section 611 ( e ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by Lexis Nexis l.

Lexis Nexis has failed to maintain reasonable policies and procedures regarding the accuracy and integrity of the information, particularly handling my disputes, and name and address and work history, I have ask for these errors to be removed on several occasions but no reasonable investigations has been conducted of said matter.

The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of records.

time and energy and financial resources have been wasted trying to resolve this matter, so I am left to file this complaint Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPBs complaint process allows for the submission of complaints by consumers it seems this law was broken by LEXIS NEXIS and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by LEXIS NEXIS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Your organization is in breach! 
According to 15 U.S.C 1681 section 602 A, it stipulates my entitlement to privacy.

Referring to 15 U.S.C 1681 Section 604 A Section 2, it prohibits a consumer reporting agency from providing an account without my written consent.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section specifies that a consumer reporting agency can not include certain adverse information in a consumer report, except for convictions of crimes dating back more than seven years. 
Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the provision of inaccurate consumer information to any consumer reporting agency, if known or suspected to be inaccurate. 

Listed below are the Accounts that are being challenged XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Your organization is in breach! 
According to 15 U.S.C 1681 section 602 A, it stipulates my entitlement to privacy.

Referring to 15 U.S.C 1681 Section 604 A Section 2, it prohibits a consumer reporting agency from providing an account without my written consent.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section specifies that a consumer reporting agency can not include certain adverse information in a consumer report, except for convictions of crimes dating back more than seven years. 
Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the provision of inaccurate consumer information to any consumer reporting agency, if known or suspected to be inaccurate. 

Listed below are the Accounts that are being challenged XXXX 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 2024-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
This company has not sent me any kind of verification regarding this debt collection. The agent also has been rude to me and has not offered any means of verifying this debt nor has communicated the correct amount due. The agent indirectly threatened to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio recovery associates LLC calls my number XXXX and number XXXX several times a day with different numbers. And yes I know it's them because I have called some of the numbers back and told them several times to stop calling both numbers. Please help me to get these calls stopped. I have told them I am in the process of filing bankruptcy and and an attorney would be in touch with them as soon as I have one. But they continue to call over and over. I have all the numbers they call from saved so they can't lie. They call from Colorado numbers hoping I will answer the calls.I have even screened the calls at which point they hang up. They are also looking for someone by the name of XXXX XXXX or XXXX not sure I couldn't understand who they asked for just know the last name is correct. I have no clue who that is on either number I have given you. I would like them to cease any further communication. I want these calls to stop on the XXXX and the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my diligent efforts to rectify inaccuracies in my credit report by submitting disputes to XXXX, Equifax, and XXXX, they have flagrantly disregarded their legal obligations under the Fair Credit Reporting Act ( FCRA ). It has been over 30 days since my initial dispute, yet they have failed to provide a response or take corrective action. This blatant violation of federal law is unacceptable, and I demand immediate resolution. Attached are copies of all correspondence sent to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have high connections with a bank ( s ) that do not let me open a checking account/savings, etc due to " charge off '' - which is absurd knowing I have paid it.

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 2024-04-01 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Care Credit has deceptive ways of convincing a consumer who needs medical or dental care to use their credit by offering a great promotion. Unfortunately, the promotion has a dead stop that consumers aren't aware of at the time and extremely high financial fees are immediately added to the balance owed. The option when calling for help in this matter is to pay several thousand dollars to eliminate further increased finance charges. 
That said I believe that payments made to the Care Credit Company were spread out over the balance in a way that validated nonpayment of the promotion so that Care Credit could enforce the repayment of all financial fees in one lump sum. 

I have since only been able to make arrangements to pay XXXX XXXX monthly for six years but they will not remove the overwhelming and financially burdening amount tacked on for not paying the promotion in full on time. 

Can you please help? I did find a court order on line enforcing the settlement of {$34.00} million to be paid to those who were deceived by Care Credit promotions. 

Thank you XXXX 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 2024-04-01 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-04-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have violated my privacy rights as well as my consumer rights. According to title 15-Commerce and Trade, subsection 1666b Timing of Payments ( a ) states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I was never properly informed as stated in 1666b for any payment posted on my consumer report. These accounts have been illegally reported as late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
We refinanced our VA loan through our same mortgage company, Village Capital & Investments, LLC, and closed on XX/XX/XXXX. We paid {$4100.00} to XXXX XXXX XXXX XXXX in XX/XX/XXXX. Village Capital & Investments, LLC then also paid our taxes from escrow. Village Capital received a refund of {$4100.00} on XX/XX/XXXX & we were advised that we would be refunded the duplicate payment. We received {$3400.00} on XX/XX/XXXX. Village Capital claimed there was an escrow shortage is why we did not receive the full refund, even though we had just closed on this loan. They never clarified why there was a shortage. Our current History of Escrow Account Transactions reflects there was a monthly charge of {$130.00} for Service Fee Paid Amt. that was never explained or authorized by us and not included in the final closing document. There was {$1400.00} transaction on XX/XX/XXXX Partial Settlement on Foreclosed Loan that was never explained. Our loan was refinanced not foreclosed. On XXXX, there was a charge of {$1000.00} for refund amount - this entry was never explained or refunded to us. We never received a copy of the closing documents 3 days in advance of the closing as required by TRID. We have made numerous attempts through phone calls to Village Capital, but our loan officer or any other department will not speak with us. The one time we did get someone to speak with us, she asked us to hold so she could check about the Partial Settlement on Foreclosed Loan, but when she returned to the phone, she stated she was instructed not to answer any further questions from us. She stated someone would call us on the following Monday, but no one has called us yet. We have asked for explanations to our questions through emails to various departments at Village Capital, and no one has responded to our questions to explain where the rest of our {$4100.00} went or why we have these charges as stated above on our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I have a XXXX XXXX XXXX, it's bad plenty of recalls and I've received the information. And gotten those fixed, upon calling XXXX XXXX XXXX to inquire about anymore issues. Such as a XXXX XXXX. They told me " Yes there was a recall on it for your car, issued this date '' and I told them I never received that information or anything. And they Said " Well there's nothing we can do '' this is inappropriate and fraudulent behavior.

Company response to consumer: Closed with explanation