vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: Experian Information Solutions Inc.
State: CA

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 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 explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
To whom it may concern : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my
credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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:
TransUnion failure to follow XXXX XXXX XXXX XXXX guidelines. With overwhelming evidence, I am a victim of identity theft and fraudulent accounts were opened on my credit file. Now, TransUnion should follow the laws protecting consumers. These identity theft accounts should be blocked or deleted from my credit file, such as two accounts from XXXX XXXX, XXXX XXXX XXXX, and 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 2024-12-25 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: LA

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. These account has violated my rights XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
They have received copies of the tribal declarations dated XX/XX/year> and have not discharged the debt. There are no more negotiable instruments left or type to send. Only other means I have will be labor. 
The attached declaration has the seals of three notaries, and the seal of the Secretary of State Pennsylvania as the debtor. The Trust and the Person/Individual are all listed on the document and it is filed and numbered at the Secretary of State Pennsylvania stating they are responsible for the debts and the instrument is presented, valid to discharge the debt. They have received every form of instrument, and they have not discharged this debt. This AMEX has chosen to keep it alive, keep every instrument sent certified, close the account and recently declare me dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
Hard inquiry not recognized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been in prison for XXXXXXXX XXXX, I've just recently came home to XXXX XXXX and I'm in the halfway house. I've tried to view my credit report on multiple sites. And I have not received a review. I would really like some assistance so I am able to start to put my life together. If you could help me give me a number to call or email some one it would be appreciated

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 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
From XXXX I was charged {$150.00}. Per month. Thank reduced to {$110.00}. 
In XXXX it was reduced to {$59.00}. 
In XXXX I called them because it was taken too long for the service to be accurate and I wanted to stop their services. It was supposed to be for a total of 48 months and we're going on to 8 years now. The lady told me we will reduce it to {$29.00} per month. There's a charge for a credit card that has been sitting in collections since XXXX for {$640.00}, they have not payed that off and now I'm fighting to have it removed. Where did all the money goes. In XX/XX/XXXX I called them again to cancel the account they charged me {$27.00} before closing the account. 
They will do everything to milk people out of their last XXXX. They are scammers who pray on people looking for help. 
Most of my cases happened due to divorce and ex debts felt on me. I explained all this to them while struggling financially with my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC Amount {$640.00}. Don't owe a debt to collection agency. They have a charge off and need to provide a XXXX form for filing a right off to IRS. Please remove from my credit reports immediately. Late email was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: MA

Complaint narrative:
I recently check my credit report i noticed that i've been victim of identity theft and found numerous credit inquiries i have no knowledge of these inquries that i've found : XXXX XXXX  ( XXXX ) XX/XX/2024. XXXX XXXX XXXX XXXX XXXX. Please remove the fraudulent inquiries from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: MA

Complaint narrative:
I recently check my credit report i noticed that i've been victim of identity theft and found numerous credit inquiries i have no knowledge of these inquries that i've found : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. XXXX XXXX XXXX XXXX XXXX. Please remove the fraudulent inquiries from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I visited the Huntington Bank in XXXX, Ohio, to assist my father-in-law in opening a bank account. However, he was denied this service due to his limited English proficiency. This refusal to open an account based on language barriers is not only unethical but also potentially illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
XXXX to XXXX I used Lexington law for credit repair services they did not do what they were supposed to do regarding my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I requested that the company send me a XXXX after the credit card has been charged off. So that I can properly file my taxes and not be a participant in any fraudulent activities pertaining to IRS and reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Complaint Against : Midland Credit Management XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Subject : Dispute Regarding Alleged Debt and Failure to Validate Debt Details of the Complaint : I am submitting this complaint regarding an alleged debt reported by Midland Credit Management on my credit report. Upon discovering the entry, I formally disputed the validity of the debt in writing on XX/XX/year>, and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). 

In my dispute letter, I requested the following from Midland Credit Management : 1. A copy of the original contract or purchase agreement creating the alleged debt. 2. Proof of the chain of ownership of the debt, including all assignments. 3. A full accounting history, including the date of the first delinquency and all payments. 4. Proof that any interest or fees added to the balance are lawful and agreed upon in the original terms. 5. Proof of compliance with Geo
rgia state licensing and third-party debt collection bonding requirements.

6. Proof of all legally required notices sent to me before reporting this debt to consumer reporting agencies.

I have reason to believe that this debt is invalid, and I requested the above information to verify its legitimacy. Additionally, I reviewed the licensing database at www.nmlsconsumeraccess.org and found that Midland Credit Management does not appear to have a license to collect debts in Georgia, where I reside.

To date, Midland Credit Management has not provided the requested documentation or validation of the debt. Furthermore, reporting this alleged debt without proper validation or notification may constitute " debt parking, '' a violation of consumer rights established in *FTC v. XXXX XXXX XXXX. 

XXXX XXXX : I request that the CFPB take the following actions : 1. Investigate Midland Credit Managements practices regarding the reporting and collection of this alleged debt. 
2. Require Midland Credit Management to provide complete validation of the debt or remove the item from my credit report immediately.

3. Ensure compliance with Georgia state laws for debt collection, including licensing and bonding requirements.

4. Address any violations of FDCPA or other applicable consumer protection laws.

I have attached copies of my dispute letter, supporting documentation, and any related correspondence for your review. 

Supporting Information : Date of Dispute Letter : XX/XX/year> Account Reference : XXXX Contact Information : If further information or documentation is required, I can be reached at the address provided above or via email at XXXX. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and the collection company knows this but refuses to take off the debt that is not mines. I have filled out police reports and FTC reports for this. But unfortunately they don't comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-25 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: LA

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, and XXXX XXXX has violated my rights 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 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 2024-12-25 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: LA

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 and XXXX XXXX has violated my rights 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 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 explanation
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
Hard inquiry not recognized : XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
Subject : Request for Assistance : Funds Withheld by Blockchain.com Greetings reader, I am writing to request your assistance in resolving a serious issue I am experiencing with Blockchain.com, which I have learned has impacted numerous other individuals as well. 

I have been a verified user on Blockchain.com since XXXX, but on XX/XX/XXXX, I made a {$2000.00} deposit to my account. Immediately after the deposit, I attempted to withdraw the funds, but the platform displayed an error message stating, Dont worry, your funds are safe. The next day, XX/XX/XXXX, I noticed that my account verification status had been inexplicably revoked. 

Since XX/XX/XXXX, I have been trying to resolve this issue daily. I submitted all required documents through their app, including a scanned XXXX passport and my XXXX  REAL ID ( front and back ). After receiving no resolution, I also emailed the same documents directly to their support team as suggested. Despite my compliance, my verification remains pending, and my funds are still inaccessible. 

I have proof of my previous verified status, the submitted documents, and all communications with Blockchain.com. However, the company has failed to provide clear communication or any meaningful resolution, leaving my funds effectively frozen without justification. 

This situation is deeply concerning, particularly because it appears to be part of a broader issue with Blockchain.coms handling of user accounts and funds. Their actionsor lack thereofraise serious questions about their business practices and regulatory compliance. 

I am reaching out to your agency as I believe this matter requires oversight and investigation to protect consumers like myself. I am happy to provide all relevant documentation to support this case. 

I would greatly appreciate your guidance on how to proceed or any steps your office can take to help resolve this matter. 

Thank you for your attention to this issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation