vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 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: AL

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've asked for verification and validation of these accounts ... .I 've spoken with a rep at the courthouse and the courthouse and the courthouse doesnt share information with the credit agencies therefore the reported BANKRUPTCY XXXX XX/XX/XXXX needs to be removed IMMEDIATELY. This is my XXXX  and final request for this removal. Failure to remove this account is a FCRA VIOLATION WILLFUL NON COMPLIANCE and I shall be seeking compensation per violation. XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX is in violation of STATUE OF LIMITATIONS FOR REPORTING THESE ACCOUNTS, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX said they verified this account and failed to provide details and contact information for this alleged verification I'm also requesting a copy of my written consent to report any of these items on MY CONSUMER 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 non-monetary relief
Consumer complaint received 2024-07-06 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: TX

Complaint narrative:
I've asked for verification and validation of these accounts ... .I 've spoken with a rep at the courthouse and the courthouse and the courthouse doesnt share information with the credit agencies therefore the reported BANKRUPTCY XXXX XX/XX/XXXX needs to be removed IMMEDIATELY. This is my third and final request for this removal. Failure to remove this account is a FCRA VIOLATION WILLFUL NON COMPLIANCE and I shall be seeking compensation per violation. XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX is in violation of STATUE OF LIMITATIONS FOR REPORTING THESE ACCOUNTS, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX  said they verified this account and failed to provide details and contact information for this alleged verification I'm also requesting a copy of my written consent to report any of these items on MY CONSUMER REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
The vehicle was having issues and in the shop for months and was unable to get fixed. We were under the impression that the car was being repurchased per the conversation with bmw and the dealer ( XXXX XXXX bmw ). The car was never told to us that the car was ready to be picked up and eventually we purchased another car. After already purchasing another car a few months later we received a call that we were in default on the car. We reached out to bmw multiple times in complete shock about this just to be told theres nothing we can do anymore. This was gross negligence and a huge impact to our credit and we have been reaching out for years to get this addressed. We hadnt missed a payment or were late ONCE the entire time we had the car. No reason for us to all of a sudden need to have a charge off charged too us

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-07-06 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: AL

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 XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  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 non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am writing to demand the immediate removal of late payments reported on my credit account. This late payment occurred while I was under the protection of the Billing Act. 

Despite complying with all necessary procedures outlined in the Billing Act, including [ briefly mention any actions you took, such as contacting customer service ], this late payment remains on my credit report. This is unacceptable and violates my rights under the Billing Act. 

I insist that this late payment be removed from my credit history immediately. Failure to address this matter promptly will leave me no choice but to escalate this issue further. 

Attached are copies of relevant documents supporting my case, including [ mention any relevant documents ]. 

I expect a resolution within XXXX  days.

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 2024-07-06 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
I spoke with someone at Vanilla gift card services. She advised that someone else is trying to claim the card we have ( visa ). She asked that I send copies of my photo id, receipt for the purchased card,, as well as picture of the actual gift card. I did so only to find my email undeliverable. I've spent an hour on the phone without being able to speak to a customer service representative. The case number for the dispute is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: MD

Complaint narrative:
I went for training as a student and after finishing my 2 months training, I drove for the trucking company by the name XXXX XXXX XXXX XXXX between the months of XX/XX/year> to XX/XX/year> but the terms and conditions the company promised didn't came about to be true and I told them to keep me out of their schedule since the payment was becoming less and less every week. 
When I left, the company together with the LOCKHART MORRIS $ MONTGO posted a balance of {$4800.00} on my credit report without consulting me on how to make an arrangement to settle this balance before posting it into my credit report. 
For this matter, this balance is higher to the best of my knowledge, therefore I can't even purchase a car because it's showing in every corner. 
Please I would humbly request these two companies to remove this from my credit then I can settle the reduced balance as soon as I can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2024-07-06 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: SC

Complaint narrative:
I'm very concern about my report being properly investigated. I've asked them to reinvestigate the account that I reported as fraudulent this is a very serious matter. I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX without my authorization, or any permissible purpose as defined under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: NC

Complaint narrative:
These accounts are in dispute pursuant to 12 car 1006.34c and I request/ demand all activities and communication be Ceased and desist until the accounts are properly validated pursuant to XXXX5 usc 1692 ( g ) ( A ) ( 1 ) Notice of debt. I have sent a request XX/XX/year> and this company has failed to follow FCRA guidelines for furnishing information and continue to furnish inaccurate and incomplete information. please see attache correspondence date XX/XX/year> this company has sent me a stall tactic and has disregarded my request in entirely to benefit them and not myself the original creditor which is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: DE

Complaint narrative:
I mailed a certified letter to Experian, with all necessary documentation ( copies of driver license, social security card, bank statement ), that was received on XX/XX/XXXX to dispute incorrect name and address information appearing in my Experian credit report. After submitting this dispute, my Experian credit score dropped XXXX points ( XXXX to XXXX ) on XX/XX/XXXX for no apparent reason, while my credit score actually went up with the other CRAs. 
Additionally, Experian mis-spelled the correct address once it supposedly concluded the dispute on XX/XX/XXXX, causing a problem with my bank accounts and additional, inaccurate, names continue to be reported. I called and spoke to an Experian agent ( XXXX on XX/XX/XXXX ) to try and correct this error. She confirmed the information I provided and said she would initiate the correction. Again, I received another notification that the address information was updated on XX/XX/XXXX, only to find that once again, the prior, incorrect address is now being displayed on my Experian credit report along with incorrect, additional names. 
As you know, it is required for all CRA to report only accurate, valid and correct information on a consumer credit report. 
I also find that they are intentionally lowering my credit score for no apparent reason. 
Experian needs to display my correct name and address and cease from manipulating my credit score in order to damage my credit worthiness. 
I will provide documentation to support this complaint.

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 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
As of XXXX the XXXX to 2024 today I just found out someone was receiving survivor benefits with my social security number and I didn't find out about it until I got home line and changed the direct deposit information on the SSA website to come to my account just to see if it really was true in it payment showed up today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XX/XX/XXXX ( removed XX/XX/XXXX ) and a collection account as a result of this XXXX XXXX  which is reporting on my file as XX/XX/XXXX I've called and spoken with XXXX XXXX through numerous ways of contact to resolve issue and delete said file. XX/XX/XXXX I sent a letter disputing and asking for verification and was only sent a letter with name on it. I called on XX/XX/XXXX and spoke with XXXX, I emailed XXXX XXXX XX/XX/XXXX and sent over fraud documents disputing this claim as well of incarceration paperwork and news article. On XX/XX/XXXX I spoke with XXXX XXXX who used profanity and told me why did I need to remove an account if I was in XXXX. I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have an account with Comenity Bank ( XXXX XXXX credit card in XXXX ). I bought a laptop with a promotional price of {$3000.00}. The payments were set for 12-month autopayments of {$250.00}. I just set the payment plan and forgot about it. After that, I bought another laptop and a device but I immediately paid them off. When it comes to the last {$250.00} payment I get a charge of {$730.00} extra accrued interest. It turned out that my promotional plan ended a month prior. I didn't get any notification about the ending of the promo. I contacted them via inside mail and they ( looked like a robot ) advised me to go to the statements and see that the plan expired, also they said they could not reach me through the phone call as it's not possible in their system. Honestly, I never read statements before assuming that I was good cos I had the autopayments plan. I tried to explain that it was not that I didn't want to pay it was just confusion with the autopayments. As a result, I got a robot-like response saying the same and not solving the issue. In my frustrated state of mind, I decided to pay it off and let them know that I would file a complaint against them and possibly sue them. I strongly believe that this promo and payment plan are intended to confuse a customer in order to charge extra money. I want justice in getting back the overpaid amount of {$730.00} and a human attitude, not a robot-like one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2024-07-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief