vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
LexisNexis Consumer Center Consumer Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Final Demand for Compensation, Notice of Intent to Arbitrate, and Request for Source Verification To Whom It May Concern, This letter serves as my formal demand for compensation and notice of intent to pursue arbitration or federal court action based on LexisNexiss violations of the Fair Credit Reporting Act ( FCRA ). Despite the removal of inaccurate and unverifiable bankruptcy records from my consumer report, your failure to comply with the FCRA caused harm to my livelihood, reputation, and emotional well-being. 

Violations of the FCRA Failure to Ensure Maximum Accuracy ( FCRA 607 ( b ) ) The dismissed bankruptcy records ( Case Numbers XXXX  and XXXX  ) were reported inaccurately, violating your obligation to ensure maximum accuracy.

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ) These records were only removed after my formal dispute and CFPB complaint, demonstrating a lack of reasonable reinvestigation. 

Failure to Remove Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) The removal of these records after review implies they were unverifiable or improperly reported, violating the FCRA. 

Demand for Compensation I am demanding {$7500.00} to resolve the harm caused by your actions. 

Notice of Intent to Arbitrate If this matter is not resolved within XXXX days, I will proceed with arbitration, where LexisNexis will incur the following costs : XXXX Filing Fees : {$1900.00} for business filings. 
Administrative Fees : {$1500.00} to {$3000.00} depending on case complexity. 
Arbitrator Fees : {$500.00} to {$1500.00} per hearing day. 
These costs will far exceed the {$7500.00} I am requesting. Resolving this matter amicably is a more reasonable outcome for all parties. 

I also reserve the right to file a federal lawsuit under FCRA 616 and 617 to seek statutory damages, punitive damages, and attorneys fees.

Request for Source Verification As required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting : The source of the bankruptcy information previously reported. 
A detailed explanation of how this information was verified. 
The name, address, and contact information of the entity or court providing the data. 
Required Action Provide written confirmation of your intent to resolve this matter. 
Compensate me in the amount of {$7500.00}. 
Provide the requested source verification details. 
To ensure proper documentation, I will be sending this letter via certified mail with a tracking number, as courts consider this the official start of a case. 

Please direct all correspondence to my mailing address or email at XXXX. I will not accept phone communication. 

This is your final opportunity to resolve this matter without further escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported XXXX late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$420.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit XXXX XXXX {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least 21 days prior to the due date, which has been violated as evidenced by the late reporting. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress. 
Desired Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within XXXX business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: IL

Complaint narrative:
XXXX XXXX I disputed a XXXX worth of transactions fraudulent because I lost my card. They reversed my charges and let me know that they will do an investigation. Well. XX/XX/XXXX came and they charged me the same charges saying they never received a police report and that they emailed me Requesting XXXX. I did not know they emailed me because I dont use the email address on file. The only reason its on this account is because upgrade makes you use different emails when you have multiple accounts. They told me they would reopen and I need to send in the police report So i went and got a police report which was around XXXX pages long. Because of the number of pages, I went to the library around XX/XX/XXXX to send them. The librarian told me they were sent successfully. I had her send them twice. Yesterday night I noticed they put the same charges back on my account, I called them today and they said the account was closed because they didnt get a police report. I told her I sent XXXX in twice. She put me on hold for like XXXX min then came back and said they never got it. I told her thats impossible the librarian said she sent it twice. She put me back on hold for another XXXX min then came back and said we dont accept emails from the library it has to come from your personal account and we are not opening the case back up, and I have to pay for the fraudulent charges!!!! I am XXXX!!! I told her no one told me the documents needed to be sent from my personal email and I did my due diligence sending the reports just as they asked. That was the only thing I was told was to email the reports!!!!! I want my case reopened and the charges taken off!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I had a Chase credit card which was unexpectedly closed on XX/XX/XXXX, due to my credit getting close to my limit. I have since experienced financial hardship as my salary was decreased XXXX  % on XX/XX/year>. I have been unable to financial manage the high interest payments on my closed account and reached out to Chase. I was misinformed by management through contacting customer services throughout this process informing me i could recieve debt relief payment plans with the most recent conversation beinf on a recorded line on XX/XX/XXXX. I've never missed a payment and was transferred by a customer service to the department for closed account debt. They informed me they would help me with my circumstances before transferring and disconnecting me without any resolution. I am disheartened and do not feel any resolutions coming, but am continously misinformed by representatives that I could recieve some kind of financial hardship assistance. This management of my situation violates 15 U.S. Code 1692e and I am seeking assistance from the CPBP on resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, these incorrect address remain listed : This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-17 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, 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 e-Oscar 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 ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
Purchased vehicle XX/XX/XXXX -XXXX XXXX Bank alleged to have given a loan and or " Credit '' for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX. whereas on or around XXXX received a Notice from Harley Davidson Credit Corp. Not XXXX Savings Bank XXXX XXXX XXXX stating they were the new loan servicer. I never received any notice form XXXX stating that they were transferring the loan for any purpose. Whereas I did not have a chance to dispute this action. Now the loan servicer whom I do not have any contractual agreement has taken adverse action against me XXXX reporting negative payments to the credit bureaus under the name of Harley Davidson Credit Corp violating " FCRA '' rules and regulations XXXX. Provided my personal and consumer data to another XXXX party that threated me on behalf of " HDCC '' and said agents would be showing up to my door to reposes the vehicle violating " FDCPA '' 15 USC 1692. This is ALSO a '' Breach of Contract '' according to the Promissory Note that has a Mandatory " Arbitration '' Clause. Whereas violating this agreement to Arbitrate. Whereas the right to Arbitrate has not been waived and the matter is an arbitrable issue. " XXXX HAS ALSO DISCHAGRED THE DEBT AS OF XX/XX/XXXX AND HAS FAILED TO PROVIDE A NOTICE OF CHARGE with a correct amount or a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
XXXX mortgage company bought our loan from our original mortgage company, ( who we had no issues with ). We have had nothing but problems with XXXX mortgage. 
All our monthly payment were made before or on the due date until XXXX of XXXX  when they misappropriated our payment and did not post it correctly to our account. 
XXXX other months I made extra payments or double payments to try and rectify their allegations and bring our account current and get it straightened out. Then they started playing with the standard monthly payment amount to further complicate things. When we paid off more than 50 % of the mortgage, we removed the escrow because I was paying the insurance and taxes on our own, once a year. They still continued to take escrow amounts out of our payments until I called and asked why. 
The people working for this company are overseas and do not speak very good XXXX and are basically reading from a script and can not help with financial aspects of the loan. 
I have sent my spreadsheet to the review and research dept at XXXX mortgage company in hopes that someone there can make some sense of what they did. 
In the meantime, we are trying to buy another house and move out of the area where we are living, for better living conditions. When we applied for our loan we found out that XXXX mortgage company had ruined our credit rating and now we are not able to get a loan for anything. We are very upset about this because we have always kept our bills paid up and do not carry any credit card debt or other high cost loans. We have {$800000.00} in real estate we are selling and will more than pay for the price of the new house. 
We do not feel this is fair to ruin our good credit over something that was not our fault to begin with and would like this company investigated and our good credit rating restored immediately. 
Please advise if you can help us with this mess. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
During my time as a victim of XXXX XXXX, my personal information was used without my consent to open accounts, make inquiries, and engage in unauthorized financial activities. These actions took place during a period of coercion and control, making it impossible for me to protect my information or finances. Specific incidents include : On XX/XX/year>, unauthorized inquiries were made by XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX. On XX/XX/year>, an unauthorized inquiry was made by XXXX XXXX XXXX XXXX. Fraudulent accounts were opened, including : 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  These actions were taken without my knowledge or consent and have caused significant harm to my credit standing. I have submitted disputes under the Fair Credit Reporting Act ( FCRA ) and provided supporting documentation. I request the removal of these items from my credit report as they are the result of fraudulent activities beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: GA

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 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 2024-12-17 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: MS

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
Need to close the first complaint. ( XXXX ) The info that I sent was for a different Collection Agency because I could not find out any information on Fair Collection Service. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Attempts to collect debt not owed YOUR COMPLAINT A company by the name of Fair Collections @ XXXX called and wanted to speak with my husband. I told them that he was deceased. Then they wanted my personal information and I refused to give them any. I ask for name of company that they were trying to collect for, I ask for amount owed, I ask for their address, I ask for address of the company pursuing on the collection of any debt and they refused to give any info on anything. I also told them not to call again. I live in the state of Arkansas and paid off my husband 's debts til after he passed away. I now have found out that I no longer pay any remaining debts. But I have not received any notice from any collector for debts remaining. 

Since the first call on XX/XX/year> in which they would not give me any info. They have called several more times and would not give me any information on amount, or who they were collecting for. When I told them again that I was not giving them any of my personal information, they then repeatedly said that they couldn't do anything for me but that they were going to pursue the incident and take it further. I politely told them not to call and threaten me. I then hung up again. 

I received a collection notice from Fair Collection Services on the XX/XX/year>. They called me again asking for info and told me all I had to do was send electronically a copy of my husbands death certificate. I did so and they are still harassing me. They called again and requested that I fill out the notice that they sent plus email it back with a copy of the bill that showed the amount from the company that they were trying to collect on. I did this on XX/XX/year>. 
Now they are still calling and harassing me today. XX/XX/year>. I blocked their number. 
Plus the amount that they say is owed is more than that on the bill from : XXXX XXXX of XXXX, XXXX XXXX, XXXX XXXX, XXXX, AR XXXX, ( XXXX ) XXXX. 
I do not know what the extra {$30.00} is for. 

The phone number that the Fair Collection Service is using to call me is XXXX. 
The name of the company on the Notice is : First Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX Phone number XXXX The collection Agency using a different name on the caller ID is why I could not find any legitimate info in the first 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 2024-12-17 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: AL

Complaint narrative:
To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX account number XXXX Sincerely, XXXX XXXX XX/XX/year> 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