vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Opt-Out, Rescission of Permission, and Dispute of Information To Whom It May Concern, I am writing to formally request that LexisNexis immediately opt me out of any and all personal identifying information ( PII ) associated with my name that you may have on file. Additionally, I dispute the accuracy and legality of any public records or personal data currently listed in your system under my name.

I do not recall providing written permission or explicit consent for LexisNexis to collect, maintain, or share my personal information. Any prior permission you may claim to have received is hereby rescinded, effective immediately. As per 15 U.S.C. 1681 ( a ) ( 2 ), 15 U.S.C. 6802, 6805, the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ) of 1974, I demand the removal of any public records, school records, or personal information that you have unlawfully obtained.

Specifically, under FERPA, my educational institution has confirmed that it does not share my personal information with any third-party credit reporting or data aggregation agencies. Furthermore, I understand that courts do not directly provide public records to private entities such as LexisNexis. I dispute the inclusion of any such records in your system and request that you provide : 1. Documentation detailing the methods and sources used to verify the accuracy of the information in my file.

2. The identity of the entity or individual who authorized LexisNexis to include this information in my file.

The failure to provide me with this information would constitute non-compliance with the Fair Credit Reporting Act ( FCRA ). Furthermore, you are obligated to investigate and correct inaccuracies within 30 days of receiving this dispute.

I request written confirmation of the removal of all my personal information, including any public records, within the legally mandated timeframe. Failure to comply will result in me exploring further legal remedies to protect my rights under federal law.

Please consider this a formal opt-out request and a dispute of the data associated with my file. All correspondence regarding this matter should be sent to my mailing address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a Billpay setup with Bank of America ( BoA ) for payment of Homeowner Association fees to XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/year>, a withdrawal of {$170.00} for the XXXX HOA bill was debited to my account and the check was mailed to XXXX XXXX XXXX XXXX address in XXXXXXXX XXXX. 

Along the way, even though this check was clearly marked " To the order of : XXXX XXXX XXXX XXXX XXXX ''. an association, XXXX XXXX XXXX XXXX XXXX XXXX '', which has nothing to do with XXXX XXXX XXXX cashed this check through their XXXXXXXX XXXX account XXXX. 

For the past one year, I have been asking Bank of America to refund my money since the fault was not mine, but the Bank refused, saying that my money can not be refunded unless XXXX refunds the fund. 
This is a crime in the first place, cashing someone's check. 

Attached, please find all the communication with the BoA. I need your intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I have been attempting to dispute the inaccuracies on my credit report regarding accounts reported by XXXX and XXXX. These companies have failed to properly validate the accounts they are reporting. I did not allow them to report or continue reporting this information on my credit report. Despite my efforts, no documentation or evidence has been provided to confirm the accuracy or validity of these accounts. It appears that the consumer reporting agency is merely verifying the accounts with the furnishers instead of conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ) Under the FCRA, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit file. Additionally, the consumer reporting agency is responsible for ensuring that all reported information is accurate, validated, and meets the requirements of a permissible purpose. Since these companies have not met the validation requirements or established a permissible purpose, I request that these accounts be investigated thoroughly and removed promptly if they can not be fully verified as accurate.

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 2024-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I was notified that my borrower defense application against the XXXX XXXXXXXX XXXX was approved. I originally applied on XX/XX/XXXX so I was initially a part of the XXXX XXXXXXXX XXXX " XXXX XXXX ''. However, due to having attempted to complete the application before the XX/XX/XXXX deadline but experienced website issues, I was now being waived into the official class and now qualify for automatic discharge since I attended the XXXX XXXX XXXXXXXX ( Exhibit C school ). 

At this time there has been no movement from my loan servicer Nelnet, and my Studentaid.gov account still shows the application as " pending '', despite being " Approved ''. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/year> - XXXX Application XXXX XXXX XXXX sated : Foreclosure or Repossession ( error ) Length of time accounts have been established ( my accounts are over a year old ) same day reapplied Application XXXX XXXX XXXX stated : Insufficient equity and/or down payment ( error ) Foreclosure or Repossession ( error ) TD Auto Finance XX/XX/year> Unable to verify application ( error ) Record of repossession or deliquency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed according to 15 USC 1681c-2.

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 2024-12-08 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: CA

Complaint narrative:
The reporting agencies Transunion, XXXX, and XXXX have been posting and reporting my personal accounts without my authorization. In accordance with The Fair Credit Reporting Act these consumer reporting agencies have violated my rights under 15 USC 1681 section 602, which states the right to privacy. Also, 15 USC 1681 section 604a ( 2 ), " Permissible Purpose Of Consumer Reports '' which states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-12-09 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am writing to formally request a 1099-C form ( Cancellation of Debt ) related to the account associated with [ Account Number- XXXX ] that is currently being reported on my credit report. If this debt has been forgiven, canceled, or settled for less than the full balance, the IRS 1099-C form is required to be filed under 26 U.S.C. 6050P if the amount of canceled debt exceeds {$600.00}. 
In addition to the 1099-C form, I am disputing the accuracy of the debt and requesting verification in compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) . I am entitled to request and receive complete documentation to verify the accuracy and legality of this account 's reporting, and I am invoking my rights under [ Mississippi ] law to receive proper validation of this debt. 
Written Communication Only : Please be advised that I am requesting written communication only regarding this matter. 
I do not wish to receive any phone calls or other forms of communication. Any correspondence should be directed to the address listed above. This request is made pursuant to my right under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which entitles me to request that all communication from you be in writing. 
Requests for Documentation : 1. 1099-C Form : 2. If the debt has been discharged, forgiven, or settled for less than the full amount, I request that you provide a copy of the 1099-C form filed with the IRS. This form is required when the forgiven amount exceeds {$600.00}. If you have not filed this form, or if you can not provide it, I will assume that the debt has been discharged and should no longer be reported as owed on my credit report. Failure to file the 1099-C may constitute fraudulent reporting of the debt. 
3. Authenticated Double-Entry Accounting Records : In addition to the 1099-C, I am requesting full double-entry accounting records for the account in question. This should include a detailed breakdown that shows all transactions, including the original balance, payments, interest, fees, and any other adjustments made to the account. Please ensure that the records comply with standard accounting practices, and provide authenticated evidence of the debt, rather than a simple list of charges or account statements. The court ruling in XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX 
XXXX ), states that debt collectors must provide verified and authenticated documentation, not merely conclusory statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see the attached letter below, as there are unrecognized and unauthorized inquiries on 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Have attempted to use an American Express gift card at multiple different retailers. Have been unsuccessful each time and do not see any way I can actually spend the money on the card. Total amount of the card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2024-12-08 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

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 2024-12-09 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX 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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, and XXXX 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 account opened at XXXX XXXX XXXX  on XX/XX/XXXX, personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX credit account opened at XXXX XXXX on XX/XX/XXXX, and a credit card account open with XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2024-12-08 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: CA

Complaint narrative:
Please see attached letter for the unauthorized inquiry on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I found out recently that I was the beneficiary of my father 's XXXX XXXX bank account and he past away XX/XX/XXXX and the account was never closed the bank fraudulently allow withdrawals upon until XXXX. I contacted XXXX XXXX in person by phone and by certified mail. Asking for a date of death balance statement. And I have been ignored. I submitted all my necessary paperwork. And the death certificate saying I am next of kin. My request have went unanswered because they were still letting someone withdraw funds from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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 been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach. 
Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account 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 explanation