vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Lexington law and XXXX XXXX were involved in a lawsuit with the consumer financial protection bureau over alleged violations of telemarketing sales rules and consumer financial protection act I am a victim involved in a class action lawsuit against Lexington Law. This company allegedly promised to repair my credit file while charging fees but failed to deliver any results. The services were provided years ago, during which time I moved, relocated, and changed jobs. I even attempted their services twice and referred friends to receive a discount. However, my credit was never repaired. Recently, I learned of a national XXXX  class action lawsuit against Lexington Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
this account was opened with out my knowledge this account is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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 accounts, 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, XXXX XXXX, 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
WANTING TO KNOW WHAT TO DO IN REFERENCE TO FILING FOR THE CLASS ACTION LAW SUITE THAT LEXINGTON LAW HAS TO REPAY PEOPLE BACK, I USED LEXINGTON LAW FIRM REFERENCE FOR MY CREDIT. CAN YOU PLEASE SEND THE PROPER DOCUMENTS OR WHERE DO I FILE AS TO RECEIVE PAYMENT BACK FOR THE CLASS ACTION LAW SUITE , THANK YOU FOR YOUR SUPPORT IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NY

Complaint narrative:
Elan financial charged my credit card an international fee and a fee to career growth. I called career growth and they have nothing on me. Elan financial refuses to get my money back. They are thieves. I spoke with XXXX at the XXXX 's XXXX. XXXX is very unhelpful, I called XXXX, left her a message and she did not call me back. I eventually spoke with 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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/year> reverse charge was charged back to my capitol one journey card please see attatchment in pdf in complaint prior the charge back I explain to The mercant Capitol One that the charge amount was unauthorized in the merchant Capitol one issued a credit only to reverse it which in doing so is violation of fair credit law In the consumer protection act that law that is under zero fruad liabilty protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I purchased cryptocurrency from the company and waited the required XXXX hours to be able to withdraw to my external wallet however they placed a security hold on my account when I attempted. I was asked for a selfie with a note and my license which I provided and they also acknowledged receiving it when I inquired about it but now there is no response to the emails or the tickets. And they have my money and wont release it ticket number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NJ

Complaint narrative:
I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. 
I have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
The company is National Credit Systems Inc, amount that doesn't belong to me is {$4600.00} and this is stoping me form getting an apartment, this is a fraud account, I filed police report, and explained this to law firm that keeps contacting me about debt. 

I was also a victim of the XXXX, data breach, and Identity theft has happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Driveway Finance Corporation
State: MI

Complaint narrative:
this company received a cease and desist notice, they were asked for the 1099c form showing the vehicle was charged off. yet they continue to show it as being owed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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.

Complaint narrative:
I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call from Chase Bank stating they were closing my accounts. When I asked for a reason why, they declined to provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: PA

Complaint narrative:
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2024-12-26 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: NJ

Complaint narrative:
I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. 
I have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, a letter with my complaint, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.

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 2024-12-26 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: NJ

Complaint narrative:
I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/2024, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. 
I have attached all supporting documentation, including evidence of the payment made on XX/XX/2024, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, a letter with my complaint, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This formal CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you American Express , reinstate my American Express Gold Credit Card account due to me being fearful I have not only been shown prejudice, but coequally alarming wrongfully refuted wholesomely resolution when punctually providing assigned representative the requested documentation to keep my account open.

For innumerable weeks of the Financial Review department violating American Expresses Policy and Community Guidelines by refuting my request to have this matter escalated above supervisory and deliberately causing usual complications by being in violation of the FCRA laws having no legal right to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting inaccurate info on my credit file. This account was closed and paid in full in good standing and company is stating I have late payments.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I attempted to use a {$100.00} American Express gift card my mother gave me for XXXX. I am an attorney. I made repeated attempts to make purchases at XXXX XXXX online for less than the amount on the card. XXXX XXXX accepts American Express gift cards. American Express declined my XXXX separate attempts to make online purchases. When I called customer service, they informed me that due to security measures the card was declined, and they would not refund my money. I asked to speak to a supervisor, and he repeated the same statements made by the rep and again indicated no refund could be issued for the card amount. Both reps were unable to tell me what specific details led to my card being declined. I know from past experience that Am Ex gift cards are declined almost everywhere, even when I have used them in person in stores. This company is scamming and defrauding consumers such as my mother by selling these cards and then setting up a system that declines all purchases, rendering the card useless. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX, XXXX XXXX XXXX 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 non-monetary relief