vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Improper sharing of suppressed personal information / Inaccurate reporting of bankruptcy information / Violation of privacy rights Complaint Summary : I am filing a complaint against LexisNexis Risk Solutions for improperly sharing suppressed information regarding a bankruptcy record ( Reference : XXXX XXXX ) and providing inaccurate information to the credit bureaus. Despite the bankruptcy court confirming they do not report this information to credit bureaus, LexisNexis has disseminated this data, which has resulted in inaccurate reporting on my credit profile. These actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) and potentially other privacy laws. 

Specific Violations : Violation of Suppressed Data Protection Issue : My LexisNexis file is suppressed, meaning my personal information should not have been shared under any circumstances.

Violation : FCRA 604 Consumer reporting agencies must only provide reports for permissible purposes. Disseminating suppressed data violates this provision and breaches privacy protections.

Impact : Sharing my suppressed data has led to incorrect bankruptcy reporting, harming my creditworthiness and privacy rights.

Reporting Inaccurate Bankruptcy Information Issue : The bankruptcy record ( XXXX XXXX ) includes an incorrect filing/reported date. 
Violation : FCRA 623 ( a ) ( 1 ) Furnishers of information are required to ensure that the information they report is accurate. The incorrect date constitutes false and misleading information.

Impact : This inaccurate bankruptcy record damages my credit profile and financial standing. 
Failure to Ensure Maximum Possible Accuracy Issue : LexisNexis disseminated incorrect information to the credit bureaus without proper verification.

Violation : FCRA 607 ( b ) Credit reporting agencies must ensure maximum possible accuracy in the information they provide.

Impact : The dissemination of incorrect information has caused financial harm, higher interest ra

tes, and denial of credit opportunities. Unauthorized Dissemination of Personal Information Issue : Sharing my bankruptcy information without authorization constitutes a violation of privacy laws.

Violation : FCRA 604 ( f ) Prohibits unauthorized sharing of consumer information. 
Impact : The unauthorized sharing of my suppressed data has violated my privacy and led to emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has locked me out of account access. They have done so without explanation, and a customer service representative refuses to help, or even give her name. This bank XXXX  incompetence like XXXX from a XXXX  XXXX. They have no business using the XXXX platform or handling anybodys money in a checking account or savings account. The account security is nonsensical, the customer service is nonexistent, the prospect for a good customer experience is exactly XXXX. Regulators should put this bank out of its misery and shut it down.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
DEBT VALIDATION ASKING FOR SIGNED CONTRACT, ACCOUNT CHARGED OFF SHOULD NOT BE REPORTING A BALNCE OR NEGATIVE INFORMATION

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
DEBT VALIDATION ASKING FOR SIGNED CONTRACT, ACCOUNT CHARGED OFF SHOULD NOT BE REPORTING A BALNCE OR NEGATIVE INFORMATION

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
DEBT VALIDATION ASKING FOR SIGNED CONTRACT, ACCOUNT CHARGED OFF SHOULD NOT BE REPORTING A BALNCE OR NEGATIVE INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
We have consistently been charged {$36.00} per item even when an overdraft was only {$6.00}. In fact, I just cured a {$300.00} overdraft, of which, {$200.00} were bank fees. We can hardly use the account for fear of incurring excessive fees, even when funds are pending or deposited within the hour. I have appealed for help multiple times from this bank, to no avail. We are a non profit organization and have paid hundreds in bank fees. Even if we deposit a donation check that is returned they charge us.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX has reported me late to credit bureaus during a complaint that is not resolved and XXXX XXXX XXXX has requested additional time to resolve. In XXXX, I was told I would be approved for a modification of my loan terms. This issue remains unsolved after my dispute.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
They failed to pay my property taxes. 
They failed to provide a timeline by which they will pay or respond. 
My property taxes are escrowed. 
There are ample funds, in escrow, with which to pay the taxes due.

Company public response: Company believes complaint is the result of an isolated error
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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I lost my wallet with my license in it someone opened a cbna credit card in my name i was informed by XXXX XXXX XXXXXXXX

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 2024-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XXXX, XXXX, we were struggling to pay our mortgage and requested help from U.S. Bank. On the Mortgage Assistance section of the website, I asked for help in pausing our mortgage payment. It said something about pausing my mortgage payment for a few months. 

At the beginning of XXXX, I lost my job. I had intended on catching up on the mortgage over the summer ( due to my husbands soccer camps which bring in extra money ), but the loss of my income changed that. See enclosed Unemployment Application. 

On XX/XX/XXXX, I submitted the Mortgage Assistance Application via email. 

On XXXX, I started a new job. But wouldnt get a first paycheck until the end of XXXX. 

On XX/XX/XXXX I submitted the Loss Mitigation Correspondence XXXX XX/XX/XXXX I made a payment towards the mortgage. 

On XX/XX/XXXX, we signed the paperwork to finish the partial claim. 

We feel like we have done everything correct in reaching out, explaining our problem, and trying to make it right. I have reached out multiple times to get them to remove the negative from our credit report. 

We are just asking you to remove the late payments to our credit for XXXX, XXXX, XXXX and XXXX. We honestly dont know what else we could have done differently to communicate with you. That ding on our credit will hurt us even more.

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Centron Services
State: MT

Complaint narrative:
On or around XX/XX/XXXX, I contacted this company to request validation of the debt in question, asking them to provide proof that it is indeed mine. Specifically, I requested all relevant documentation that would substantiate this as my account. However, I have never entered into any agreement or signed a contract to conduct business with this company. To date, they have not provided any of the requested information from the debt validation letter. Despite this, they continue to send bills with my name on them. I do not have any outstanding debts with this collection company, nor have I ever worked with or for them, meaning there is no contractual agreement between us. I have attached a copy of the original validation request letter, for which I have yet to receive the requested information.

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: 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: TX

Complaint narrative:
The XXXX reported on my credit file is incorrect, and this inaccuracy is detrimental to my credit score. By misreporting the XXXX, you are effectively re-aging the account, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. TU reports the XXXX as XX/XX/year>. XXXX reports the XXXX as XX/XX/year>. XXXX reports the XXXX as XX/XX/year>. Please see the attached dispute letter which is dated and time stamped. Delete this account and provide me with a written confirmation of the deletion. Failure to do so will leave me no choice but to pursue legal remedies for the damages caused by this inaccurate reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am writing to address the unresolved issue regarding my previous complaint against Credit Acceptance Corporation ( CFPB Report # XXXX ). Despite their response dated XX/XX/year>, in which Credit Acceptance Corporation stated, " Credit Acceptance has made a business decision to close your account and will submit a request to the three major credit bureaus to which we furnish information to update the account status as closed, '' they have not fulfilled this commitment.

Since their response, I have disputed the account with the three major credit bureausExperian, XXXX, and XXXX. However, in the most recent response from XXXX on XX/XX/year>, they reported that Credit Acceptance Corporation verified the account as accurate, continuing to reflect the account as open. This inconsistency demonstrates negligence on Credit Acceptance Corporations part, as they have failed to take the corrective action they promised.

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be fair and accurate. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the furnishing of information to consumer reporting agencies if the furnisher knows or has reasonable cause to believe the information is inaccurate. 
XXXX XXXX. XXXX ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and to correct or delete inaccurate information after completing their investigation. 
XXXX XXXX XXXX failure to update my account status as closed, despite their explicit promise, and the subsequent verification of inaccurate information with the credit bureaus is a direct violation of these provisions. Additionally, this negligence undermines consumer trust and highlights a disregard for fulfilling commitments made to resolve disputes.

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 2024-12-09 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected as a result of identity theft. 
ACCOUNTS : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/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 2024-12-09 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: PA

Complaint narrative:
When I went to review my credit profile there were some inquiries that were not mine.

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: TN

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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EXPERIAN XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 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 explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Request for Original Signed Contract Debt Collectors Name Company Address Account number Your name Dear Debt Collectors Name This letter serves as a formal request for the validation of the alleged debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Specifically, I am requesting : 1. A copy of the original debt agreement containing my wet-ink signature that explicitly outlines the terms of the alleged debt. 

2. Documentation that verifies your legal right to collect this debt, including the chain of custody or sale agreement demonstrating how you acquired my information. 

3. Evidence of my explicit permission for my personal and financial information to be sold or transferred to third parties. 



Without these items, your continued collection efforts are unwarranted and could be considered a violation of my rights under federal law. Furthermore, reselling this debt without my consent could breach consumer protection statutes regarding privacy and data security. 



If you can not provide the requested documentation, you are legally required to : Cease all collection activity immediately Permanently delete and cease using any personal information related to this account. 



Failure to comply with this request will result in formal complaints filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. Additionally, I reserve the right to pursue legal remedies under the FDCPA, including claims for damages and attorney fees. 



I expect a written response within XXXX XXXX of your receipt of this letter. Your failure to respond with the required documentation will be taken as evidence of your inability to validate the debt and your noncompliance with federal and state laws. 



Thank you for your prompt attention to this matter

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 non-monetary relief