vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: OK

Complaint narrative:
I attempted to submit a dispute to LexisNexis Risk Solutions regarding inaccurate information provided to XXXX XXXX regarding my driving history. However, the dispute form online requires a case number from a LexisNexis Risk Solutions letter if documentation is being attached, which I do not have as I am not the original recipient of the information from LexisNexis ; XXXX XXXX received the consumer report from LexisNexis. I provided my XXXX XXXX policy # instead. I received a notice from XXXX XXXX on XX/XX/XXXX which included two speeding tickets on the same day ( XX/XX/XXXX ) when there should have only been one speeding ticket on this day. The notice stated that the information came from LexisNexis Risk Solutions and provided the address, phone number, and website for this consumer reporting agency. XXXX XXXX relied on the inaccurate information and increased my premium. The XXXX representative that I spoke with stated that to update the inaccurate information I would need to provide them with a letter from LexisNexis after the issue is resolved. 

I am writing to the CFPB to ensure the issue gets resolved, as I am not sure that the dispute to LexisNexis will be investigated without the case number that their online dispute form requires. 

I am also attaching the adverse action notice from XXXX regarding my driving history and the XXXX public court records showing one speeding ticket for this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NOTE SERVICING CENTER, INC.
State: CA

Complaint narrative:
In XXXX I bought a property through seller financing and the seller hired the Note Servicing Center to handle the payments. They got the agreed payment schedule wrong and after numerous conversations where they have agreed to fix it, its still wrong so seller asked me to pay her directly. Now they are sending me threatening letters even though I've paid the only person I have a contract with. 

I have filled a complaint with XXXX  to stop Note Servicing Center from contacting me but they continue to send me threating letter even though I have no business or agreement with them. XXXX  can't help me as i have no agreement with this company so they suggested i cont you. As recently as today I recieved another email threating me with foreclosure if I don't pay them. Can you please investigate further as I believe my rights are being ignored and this company is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
Experian there are files attached below that is very detailed showing proof of identity theft. The following items are fraudulent and they don't belong to me at all. I am demanding removal from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I obtained some funds and paid this account in its entirety. I have been checking each of my card and my credit reports. I now have a XXXX score. I logged onto my Care Credit account today to find they closed my account. I then chatted with a representative of the company to find they closed my account due to a prior credit score. Additionally they closed it without providing me with any type of notification. I received the notification today at XXXX after calling them at XXXX today. This is not normal and they should reopen my account. It will hurt my credit score when they state they closed my account as opposed to giving me an opportunity to close 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-20 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
( XXXX XXXX XXXX COLLECTION ACCOUNT # XXXX DATE OPEN XXXX, XXXX AMOUNT {$1400.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$1000.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX, XXXX, XXXX AMOUNT {$2500.00} ), ( XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$530.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$1000.00} ).

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 2024-11-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Multiple variations of names that do not belong to me Numerous addresses across different states that I have never resided at Pattern suggests possible synthetic identity theft Mixed File/File Segregation ( 15 U.S.C. 1681i ) : Information appears to belong to other consumers Credit file contains information from multiple individuals Clear evidence of file mixing requiring immediate segregation Accuracy and Fairness Requirements ( 15 U.S.C. 1681e ) : Information can not be verified as belonging to me No legitimate business relationship or credit application associated with these details Information compromises the accuracy of my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Multiple variations of names that do not belong to me Numerous addresses across different states that I have never resided at Pattern suggests possible synthetic identity theft Mixed File/File Segregation ( 15 U.S.C. 1681i ) : Information appears to belong to other consumers Credit file contains information from multiple individuals Clear evidence of file mixing requiring immediate segregation Accuracy and Fairness Requirements ( 15 U.S.C. 1681e ) : Information can not be verified as belonging to me No legitimate business relationship or credit application associated with these details Information compromises the accuracy of my credit file

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 2024-11-20 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Formal Complaint Against Capital One Regarding Fraudulent Account To Whom It May Concern, I am filing a formal complaint regarding Capital Ones failure to address a fraudulent account opened in my name. Despite providing extensive documentation proving that I did not open or authorize this account, Capital One has refused to remove the account or conduct a proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Details of the Complaint : The fraudulent account in question is linked to card number XXXX XXXX XXXX XXXX

All information associated with the account is incorrect, including an address where I have never lived or been associated. 
I have submitted numerous documents proving my identity and demonstrating that I did not open this account. 

Despite these efforts, Capital One has failed to investigate the matter appropriately or take corrective action, leaving this fraudulent account on my record. Their refusal to follow federal law and address the dispute has caused undue stress and potential harm to my credit standing. 

Resolution Requested : I request the CFPB to : 1. Require Capital One to conduct a full and thorough investigation of the fraudulent account.

2. Ensure the account is removed from my records immediately.

3. Hold Capital One accountable for its noncompliance with federal regulations under the FCRA.

I have attached supporting documentation for your review, including : Proof of my identity.

Evidence of my correct address history. 
Copies of prior correspondence with Capital One regarding this dispute. 

Thank you for your attention to this matter. I hope the CFPB can assist in ensuring that Capital One complies with its legal obligations and resolves this issue promptly. 

Sincerely, XXXX XXXX Attachments : Proof of Identity Documentation of Dispute Copies of Prior Correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Number : 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
THIS IS THE FINAL DEMAND NOTICE TO REMOVE MY XXXX ACCOUNTS FROM CHEXSYSTEMS THAT XXXX XXXX BANK IS NOT IN COMPLIANCE WITH THE FCRA. I AM DEMANDING THAT ACCOUNT NUMBERS XXXX AND XXXX BE REMOVED FROM CHEXSYSTEMS AS PER VIOLATION OF MY CIVIL RIGHTS AND FCRA. ENCLOSED I HAVE ATTACHED DOCUMENTS THAT SUPPORT MY CLAIM. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO CHEXSYSTEMS ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO CHEXSYSTEMS ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. HOWEVER THESE ACCOUNTS WERE NOT CLOSED ON THE DATES REFERENCED ON THE REPORT. I RECIEVED REPLACEMENT DEBIT CARDS WHEN THEY HAD EXPIRED AFTER XX/XX/XXXX AND XX/XX/XXXX. THE ACCOUNT ACCEPTED A XXXX DEPOSIT ON XX/XX/XXXX. TO RECIEVE DEBIT CARDS AND XXXX DEPOSITS AFTER THEM DATES INDICATES THE ACCOUNTS WERE NEVER CLOSED. IN ADDITION, I CALLED CUSTOMER SERVICE ON XX/XX/XXXX AND SPOKE TO CUSTOMER SERVICE AND WAS ADVISED THE ACCOUNTS WERE IN A DORMAT STATUS AND THAT A DEPOSIT WAS NEEDED TO MAKE ACCOUNTS ACTIVE AGAIN. I HAD TO REQUEST THE ACCOUNTS BE CLOSED. THE REP SUBMITTED THE CLOSURE REQUESTS ON BEHALF TO THIER BACK OFFICE. I HAVE ATTACHED THE PROOF THAT THE ACCOUNTS WERE CLOSED ON XX/XX/XXXX. THEY WERE CLOSED LATER THAT AFTERNOON. I CALLED XXXX XXXX ON XX/XX/XXXX AND SPOKE WITH A REP WHO ADVISED THE ACCOUNTS WERE BOTH OFFICIALLY CLOSED ON XX/XX/XXXX. SO TELL ME HOW IS IT LEGAL TO FALSIFY CLOSURE DATES AND REPORT THESE ACCOUNTS WITH INTENT TO HARM ME WITH MALICE. I HEREBY ORDER XXXX  XXXX AND CHEXSYSTEMS INC TO REMOVE THESE IMMEDIATELY, OR I WILL SEEK A MONETARY LAWSUIT FOR SUCH NEGLIGANCE.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account #. XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )

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 2024-11-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Skrill USA, Inc.
State: PA

Complaint narrative:
Skrill.com closed my account today XX/XX/year> and did not transfer the over {$900.00} in the account to me back I can not login to my account and they are not responding to my requests through the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation