vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: NY

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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
On XX/XX/year> I became aware of a judgement filed against me by Heights Finance. Between XX/XX/year> through XX/XX/year> I spoke to several representatives and supervisors in their collections department along with several law firms which they claimed had my file and could give me answers. For 4 days I spent hours on phone calls to get an amount due or a release of lien, to no avail. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) said they do not have a file for me even searching by my social security number, the law firm listed on the judgement says he hasnt worked with their company for many years. I just wanted to get this resolved but they will not give me a listing of payments I made, the balance I owe ( I was told my balance just shows XXXX ) or a release of lien. Heights Finance claims they do not have the authority to give a payoff, I can only get it from the attorney. But they have no idea who the attorney is or where my file is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I was a victim of identity theft twice over the years. I have lost every bank account I had due to this situation, and I have yet to regain access to any of my accounts that I had with USAA, XXXX XXXX, and XXXX  XXXX XXXX before all this happened. In reference to USAA, I was dealing with the death of my little sister when I initially found out about it, so I did not dispute or address anything right away. When I did, I was denied access multiple times moving forward and told I could continue my insurance services with them but not banking services. I filed a total of XXXX re-reviews and was still denied. Feeling like I was running out of options I contacted the XXXX XXXX XXXX XXXX XXXX XXXX who the banks use to run customers consumer reports before allowing them to open a bank account to dispute the information the banks provided to them. In doing so I provided the police report & letter from the Federal Trade Commission and the information was removed from not only my XXXX XXXX report but XXXX XXXX report as well. Happy to feel like I was getting somewhere I was able to open an account with XXXX just to find out it was flagged and closed XXXX days later because USAA reported back to the XXXX XXXX XXXX that the information I disputed, and they removed was indeed correct and requested they add it back to my report. At this point I feel like I've ran out of options & have been put in a worse position because unless I have additional documentation to provide the XXXX XXXX XXXX to dispute what was already disputed once before and added back then they will deny it every time and I am desperate. I've been a member over XXXX  years with USAA and to be treated like the accuser instead of the victim is sickening to me. The fact I have to go through all this extra stuff and was put in a worse off position than I was when I started honestly makes me not even want to keep my insurance services with them or do business with them at all.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I'm having trouble receiving a replacement card because the company ships the card in a box, not in an envelope like all other financial institutions. I can not receive any mail in a box at my address. 

The company refuses to ship my card in an envelope or take an alternate address where they can ship the card. They require me to completely change the address on the account. 

The XXXX XXXX XXXX  REFUSE to allow me to speak with a supervisor with the authority and clout to help me solve this issue. 

They promise to submit a request to have someone call me back within XXXX  days. But, the call back never comes. It is unreasonable to schedule a call back for an unknown time and then expect customers to be available only when they're available. 

Apple Card is XXXX of the worst in the industry for customer service because they refuse to help customers with complex issues. If a customer 's issue doesn't fall in a category on the customer service representative 's drop down menu on their computer screen, they refuse to help the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.

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 2024-09-27 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: NY

Complaint narrative:
Subject : Formal Complaint for FCRA Violations Inaccurate Information on My LexisNexis Report, Including Incorrect Bankruptcy Complaint Description : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by LexisNexis. Despite filing several disputes to correct inaccuracies in my report, LexisNexis has failed to properly investigate and correct the erroneous information. 

Under the FCRA, all information on a consumer report must be accurate and consistent with the consumer 's identification. In my case, the information on my LexisNexis report does not align with my identification, violating my rights under this law. 

I have requested the following : The removal of inaccurate name variations such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The removal of an incorrectly reported bankruptcy on my file under case number XXXX, listed as a XXXX XXXX XXXX, with a filing date of XX/XX/year>, and the incorrect name " XXXX XXXX XXXX XXXX. '' The violations committed by LexisNexis include : Failure to conduct a reasonable investigation : Despite my disputes, LexisNexis has issued automated responses, showing a clear lack of proper investigation, in violation of 15 U.S. Code 1681i of the FCRA. 

Maintaining incorrect information on my report : The inaccuracies regarding name variations and an incorrect bankruptcy remain on my report, which is inconsistent with my identification, thus violating FCRA requirements. 

Failure to correct the information within the required timeframe : According to the FCRA, credit reporting agencies must correct or delete inaccurate information within XXXX days. LexisNexis has ignored this timeframe, unnecessarily prolonging the negative effects on my credit. 

Impact on My Life : The inclusion of an incorrect bankruptcy, alongside the persistence of inaccurate name variations, is severely impacting my financial life, preventing me from accessing credit and other services. The failure to investigate and correct these errors demonstrates clear negligence in LexisNexis compliance with FCRA obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have a judgment for XXXX from XXXX XXXX XXXX small claim. I requested in court payment plan which was approved starting XX/XX/XXXX, debt collector cant lawfully ask for any payments until I default after XX/XX/XXXX and still after that date there is a process where to have to go to court to get the approval from the judge to collect. 

Kimball , Tirey & St. John LLP lied saying their client didnt get a copy of my request of making payments when in fact they have to approve my request and sent it back to court to make that possible, and I was approved to pay XXXX $ starting XX/XX/XXXX for 5 months until I complete XXXX $ owed Kimball , Tirey & St. John LLP XXXX tactically pushing me to pay weeks in advance of the approved date to start making paying and skipping in advance the corresponding process where they have 30 days to enforced a judgment in court after XX/XX/XXXX. In other words they are using methods to before date is due to have me pay them. They cant ask for anything past 30 days from XX/XX/XXXX if If defaulted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES : XXXX XXXX XXXX XXXX, XXXX  EXPERIAN XXXX XXXX XX/XX/year> XXXX  : CHILD SUPPORT ENFORCEM 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Conserve reported a collection on my credit report for a paid debt I had no knowledge of. 

I never received written or verbal communication prior to the collection appearing on my credit report. 

Therefore, I did not have an opportunity to challenge it. 

I confirmed the mailing address Conserve and the creditor has on file for me is incorrect. 

The collection item is unfairly and negatively impacting the once-perfect credit history and I never was made of aware of a debt being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: AZ

Complaint narrative:
Received email that I owe debt to XXXX bank however NAR collections contacted me with bank statements that is not enough information to prove supposed debt is mine. They dont have my social security information nor a signature from me ever owning this debt. Statements are not enough proof! I sent notice today XXXX24 to validate debt as statements are not enough and also i dont owe this debt. Thr attached docs only show transactions and not my signature on ever having ownership of XXXX  account. Bank statements are the only proof they have provided and lacks ownership as i did not sign for this account. I will continue to submit disputes every 30 days until collection attempts stop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: IL

Complaint narrative:
I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation