vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I would like to lodge a formal and strong complaint against Experian, a credit reporting agency. Every time I attempt to freeze or unfreeze my credit report, I am forced to spend countless hours navigating a frustrating system of phone numbers, only to achieve no meaningful results. 

Additionally, every time I set a password, I am told upon my next login attempt that it is incorrect, which traps me in an endless loop of automated recordings and unhelpful prompts. This lack of effective customer support and resolution is unacceptable. 

How can Experian be entrusted with overseeing and reporting consumer credit when the company itself demonstrates a lack of credibility, efficiency, and adequate consumer support? This situation urgently requires attention and improvement.

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I was paying XXXX XXXX {$100.00} a month to fix my credit card. It was XXXX  XXXX was for a year and another time was for almost XXXX  years. So I was being scammed and I want all my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

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 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
I paid Lexington law. Multiple payments for credit repair. My score never changes nothing bc ever came off my credit and they charged me a lot to close my account. In total I spent XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-12-29 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TO WHOM THIS MAY CONCERN: XXXX XXXX XXXX CHARGED THIS ACCOUNT OFF AS OF XXXX XXXX.
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT.
I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF (15 USC 1681EB). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT.
BRODERICK L FRAZIER

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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX was taken out my account I took out XXXX so XXXX is missing Another situation was multiple transactions took place thousands was spent and they told me owe well. And didnt wasnt to help me. This is 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 2024-12-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint regarding an account listed on my credit report as Department of EducationXXXX with the account number ending in XXXX. 

Description of the Issue : XXXX. Balance Discrepancy : The reported balance of {$23000.00} does not align with my records and appears inaccurate. 
XXXX. Payment History Issue : The reported payment history contains inconsistencies and does not reflect the actual status of my account. 
XXXX. Account Status Discrepancy : The status indicates Deferred payments begin XX/XX/year>, yet there are conflicting records showing ongoing account activity. 

Actions Taken : On XX/XX/year>, I sent a dispute letter directly to the Department of EducationXXXX requesting validation and correction of these discrepancies under the Fair Credit Reporting Act ( FCRA, Section 611, 15 U.S.C. 1681i ). 
Despite submitting this request over XXXX  days ago, I have not received a response, validation of the debt, or any resolution to this issue. 
I have also contacted other consumer reporting agencies to address these inaccuracies, but no verification or resolution has been provided. 

Requested Resolution : Under the FCRA, I am requesting : XXXX. A thorough investigation into the accuracy of this account. 
XXXX. Documentation validating the accuracy of the reported balance, payment history, and account status. 
XXXX. Immediate correction or removal of inaccurate information from my credit report if it can not be verified. 

I have attached relevant documentation supporting my claim, including copies of my dispute letters and highlighted sections of my credit report showing the inaccuracies. 

Thank you for your time and attention to this matter. I look forward to a prompt resolution and a formal response from both the CFPB and the Department of EducationXXXX regarding this complaint. 

Sincerely, [ Your Full Name ] Enclosures : Copy of dispute letter sent to Department of Education/XXXX XXXX credit report showing the discrepancies

Company response to consumer: Untimely response
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX  I was paying for credit repair service to Lexington Law Credit Repair Company. I provided my personal information, fee per month in exchange for professional help to repair my credit. My credit wasn't repaired during the time I was making monthly payments and after I stop making payments I didn't receive a refund for the unfinished service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX : Made deposit from XXXXXXXX XXXX to Citibank saving account for {$17000.00} XX/XX/XXXX : Another deposit from XXXXXXXX XXXX to Citibank checking account for {$1300.00} XX/XX/XXXX : Tried to app my Citibank app but was denied and told me that I made received a new debit card with a different number or changed my pin. When I did not request a new debit card or pin. So, I called that why they told me that my account was closed and I had to wait 30 to 60 days to and a letter and final check with the amount. 
Couple days pass and this time called XXXXXXXX XXXX and ask them to do an claim with Citibank which I did. They told me that before XX/XX/XXXX I would receive their respond would be. Till this day have not received a respond. 
This is the claim number for XXXX bank : Claim # XXXX Its frustrated to not have respond from either bank when it is my money and would like to receive the money as soon as possible because I need of it. 
This is my Citibank bank number : XXXX Citibank debit card is 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My name, address and employment of my report are incorrect! I've reached out over and over to get this issue resolved. There are also accounts on my consumer report that do not belong to me! This is all in violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2024-12-29 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: CA

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-12-28 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Request Regarding National Credit Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally request your assistance in addressing an issue with National Credit Systems Inc regarding an account originally associated XXXX XXXX XXXX XXXX 

Account Details : Collection Agency : National Credit Systems Inc XXXXXXXX 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 This account is currently under dispute, as indicated on my credit report : CONSUMER DISPUTES REINVESTIGATION IN PROGRESS. Despite this, National Credit Systems Inc continues to report inaccurate information without providing proper validation or supporting documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Cease and Desist Communication : National Credit Systems Inc must immediately cease all communication regarding this account with me.

2. Verification of Debt : Provide documented proof validating the accuracy of this debt, including a complete history of the account and original agreements. 
3. Correction or Deletion : If the debt can not be validated with accurate documentation, it must be removed from my credit report immediately. 

Please investigate this matter promptly. Attached is a copy of the relevant credit report information for your reference. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide an update on the status of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
I have submitted to transition my payment plan from SAVE to IBR. I was directed to apply through studentaid.gov. I did and my application was submitted and shows as logged on XX/XX/year>. Since then, MOHELA has refused to give me information on the status of the application, has not updated my plan despite the information being sent to them, and has not updated my plan information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
My cash app card kept being ran for different payment amounts. I did unlink my card. And never returned my services. Then things appeared back on credit report.. I made payments for like 3-4 months before I canceled my services..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$4400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$4800.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have received a letter from Synchrony/Care Credit claiming poor credit/payment history/etc as an excuse for them to consitently lower my credit limit with them. They continuously do this even though I have a clear and consistent history of not only paying my bill on time, but have in fact overpaid on every monthly installment ( my previous payments this year alone have been $ 150 monthly -- this past month being the exception at {$100.00} -- with the minimum payment due being about $ 60 monthly ). I share this account as a joint account in name with my father, who I am not currently on speaking terms with. However, he does not use the account nor does he make payments. I called in XXXX this year to address the issue, to see if I could get my previous limit back or open another seperate account in my own name so this no longer occurs. They would not allow me to do either. As such, even though I have used this account and made proper, on time payments in good faith, Care Credit is not only damaging my credit with themselves by continuously and needlessly reducing my credit limit with them, they are artificially damaging my credit score by reducing what credit I have available to me, as well as damaging my credit utilization by reducing the limit down to dollars of what I currently owe ( In XXXX of XXXX, I had a credit limit of {$2000.00} and an available credit of {$570.00}. Now in XXXX of XXXX, I have a credit limit of {$1400.00} with an available credit of {$40.00}. In XXXX of XXXX, my credit limit was reduced to {$2200.00}. In a year 's time, my credit limit has been reduced {$880.00} even though I remain in good financial standing with Care Credit. I have not used my card at all in this time ; the lack of credit is soley from them reducing my available credit, not due to any purchases, fees, etc ) I do not have any other credit cards or services that treat me this way, and this is financially damaging to me as someone who is trying to build their credit. On my credit report, I have good payment history, a very low percentage of late payments, and very few derogatory marks. I do not have poor credit to where I should be constantly having this issue. And for this company to attack my credit even though I have had nothing but good payment history and high payment amounts demonstrates their lack of transparency and deceptive practices.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a new phone number and new address and I have tried to update this with Capital One, however they are not able to accommodate my request within their system despite my best attempts and multiple escalations. After I told their agent that I am complaining to CFPB and that I have recorded their calls, they filed an internal complaint and now refuse to speak to me over the phone stating that their system is down ( I also recorded this as proof ) the problem : 1. As a consumer I have the right to information on my account such as my balance, recent transactions, payment history. 2. Capital one refuses to update my address and phone number stating that they need to verify my ID, and they are not willing to accept my United States Passport or my Passport Card. ( these are two valid forms of ID that I used to open my account ) I have no other ID, eve though I offered my birth certificate as well. 3. My personal data is being sent to an old address that is now someone else residence, this means that I don't have access to any communication including debt collection. I am concerned that someone else is getting my statements. 4. I am unable to update my phone number for the same reason, they state that I lack a state ID, however I simply do not have this, nor do I have the means to obtain. 5. I am unable to make purchases because I can not receive the security PIN, it keeps going to the old number. 6. The biggest problem is that I can not login online, nor can I update my address to get statements meaning that I have to call in to Capone to get status updates, verify transactions, and I'm concerned that the information may not be accurate or complete, and it is also very time consuming as to call in requires going through verification and hold times. 7. I believe that by law as a consumer I have the right to receive statements by mail to my designated address, on the last phone call I clearly provided this address to the agent and she acknowledged it but was not able to update. I believe Capone is out of compliance with at least one federal law, which is their duty to maintain updated customer information. Because I don't know how much I owe or payments, now the card is going into collections and this will impact my credit score. I Have attached the XXXX recording of phone call. If you are not able to download or access the recording please reach out to me. I have also added the recording on XXXX and I can send the link if needed.

Company response to consumer: Closed with explanation