vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: IA

Complaint narrative:
I'm trying to change my address for the settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I REQUESTED THE METHOD OF VERIFICATION ON THESE ACCOUNTS WITHIN 15 DAYS. THIS DID NOT HAPPEN. I WILL NOW BE SEEKING LEGAL REMEDY UNDER THE FCRA FOR WILLFULL NONCOMPLIANCE AND FALURE TO INVESTIGATE FOR THESE ACCOUNTS LISTED. ( XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
I am writing to express my concerns regarding several issues with my credit report that are impacting my financial well-being. I have noticed inaccurate account listings, unauthorized inquiries, incorrect credit report details, inconsistent billing, and even accounts that do not belong to me. These problems are affecting my financial security, and I need assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: MD

Complaint narrative:
Experian has continued to conduct the same practices repeatedly over 10 years or longer after being told about my identity being compromised they continue to use it against me to place and display inaccurate information to alter my information for years theyve displayed no score after reporting them to cfpb they randomly entered a incorrect score my current score is over 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 2024-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Department of education ( dates opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, In the amounts of {$3500.00}, {$6000.00}, {$2300.00}, {$4000.00}, {$660.00}, {$4500.00}, {$6000.00}, {$3200.00}, {$4300.00} I would like to dispute effectively. In the court 15 U.S.C code 1681 A. Definitions Rules of Construction 2. Exclusions, and Sub paragraph B. States Authorizations or approvals on specific extension of credit are not included in the consumer report which means Student loans are authorizations and or an approval on an extension of credit and it shouldnt be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 

The disputed items are as follows : 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
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Subject : Formal Dispute of Late Payment Claim Dear To, Whom It May Concern I am writing to formally dispute the late payment claim associated with XXXX, dated XX/XX/XXXX, XXXX This claim is inaccurate, and I am exercising my rights under federal law to address this matter. 
Specifically, I reference the following statutes : 15 U.S.C. 1666 ( Fair Credit Billing Act ), which provides the right to dispute billing errors.

15 U.S.C. 1666B, concerning the timely posting of payments and correction of errors.

15 U.S.C. 1681B, regarding permissible purposes for accessing and reporting credit information.

15 U.S.C. 1681, particularly Sections 602 and 604, emphasizing the importance of accurate and fair credit reporting.

15 U.S.C. 1681A, which defines terms and standards related to credit reporting.

Request for Proof of Alleged Late Payment : I hereby request that you provide verifiable proof of the alleged late payment, including detailed documentation supporting this claim. If you are unable to provide sufficient evidence or the documentation is incomplete, I demand that you : 1. Update my payment history to reflect " Paid as Agreed, Never Late '' ( PAANL ).

2. Correct or remove any inaccurate or unverifiable information reported to credit bureaus.

Request for Procedural Transparency : Additionally, I request a detailed description of all procedures and processes used to ensure the complete accuracy of the information reported. This should include : The sources of the data used.

Methods employed to verify the accuracy of the payment history.

Steps taken to investigate disputes and ensure compliance with applicable laws, including the Fair Credit Reporting Act ( FCRA ).

Conclusion of Investigation and Report : Upon completing your investigation, I request a written summary of your findings and any actions taken to resolve this dispute. Please send all correspondence and updates to my address provided above.

Under the provisions of the Fair Credit Billing Act and the Fair Credit Reporting Act, I expect this matter to be resolved within the legally mandated timeframes. I trust you will handle this dispute in compliance with federal regulations and with the diligence it requires.

If additional information is needed to facilitate your investigation.

Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Subject : Formal Dispute of Late Payment Claim Dear To, Whom It May Concern I am writing to formally dispute the late payment claim associated with XXXX, dated XX/XX/XXXX, XXXX This claim is inaccurate, and I am exercising my rights under federal law to address this matter. 
Specifically, I reference the following statutes : 15 U.S.C. 1666 ( Fair Credit Billing Act ), which provides the right to dispute billing errors.

15 U.S.C. 1666B, concerning the timely posting of payments and correction of errors.

15 U.S.C. 1681B, regarding permissible purposes for accessing and reporting credit information.

15 U.S.C. 1681, particularly Sections 602 and 604, emphasizing the importance of accurate and fair credit reporting.

15 U.S.C. 1681A, which defines terms and standards related to credit reporting.

Request for Proof of Alleged Late Payment : I hereby request that you provide verifiable proof of the alleged late payment, including detailed documentation supporting this claim. If you are unable to provide sufficient evidence or the documentation is incomplete, I demand that you : 1. Update my payment history to reflect " Paid as Agreed, Never Late '' ( PAANL ).

2. Correct or remove any inaccurate or unverifiable information reported to credit bureaus.

Request for Procedural Transparency : Additionally, I request a detailed description of all procedures and processes used to ensure the complete accuracy of the information reported. This should include : The sources of the data used.

Methods employed to verify the accuracy of the payment history.

Steps taken to investigate disputes and ensure compliance with applicable laws, including the Fair Credit Reporting Act ( FCRA ).

Conclusion of Investigation and Report : Upon completing your investigation, I request a written summary of your findings and any actions taken to resolve this dispute. Please send all correspondence and updates to my address provided above.

Under the provisions of the Fair Credit Billing Act and the Fair Credit Reporting Act, I expect this matter to be resolved within the legally mandated timeframes. I trust you will handle this dispute in compliance with federal regulations and with the diligence it requires.

If additional information is needed to facilitate your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXXXXXX XXXX XXXXXXXX

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 2024-12-27 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: NY

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
It was back in 2013 but I just remembered giving money to have me and my wife debt cleared. Only to still have debt that wasn't paid off. The woman that took the money seemed to not be as involved once itnran out.Very disappointed time for us then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX RE : Unauthorized Inquiries Dear Equifax XXXX the purpose of my letter is to dispute the following eleven inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 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 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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to express my concerns regarding the extended hold placed on a check I deposited on XX/XX/year>, in the amount of {$27000.00}. 
In the past, I have successfully deposited checks of similar sizes, and I was under the impression that I would have access to a portion of the funds immediately, as is standard practice for many banks. However, I have noticed that this time, the entire amount remains on hold, which has left me quite perplexed Furthermore, I would like to address a matter that has been weighing on me. Given my history with the bank and my good standing, I can not help but feel that I am facing unnecessary scrutiny with this particular transaction. This experience has led me to question whether there are factors at play that may not be entirely fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Suspicious activity showed up on my account. I contacted the bank and reported the activity. I made them aware of the activity that was not mine. They stated they caught the charges and reversed them. A couple days later my account was displaying overdraft and was clses due to over draft charges. I have reached out and contacted them in regards to the XXXX but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: VA

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 non-monetary relief
Consumer complaint received 2024-12-27 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I am writing to express my frustration regarding my American Express gift cards. I received one {$100.00} AMEX gift card and an additional {$50.00} gift card that can not be used anywhere! Despite multiple attempts, I have been unable to use the card for online and in-person transactions.

Here are the details of the issue : Online Transactions : I have tried using the card at various online merchants. The transaction was declined each time even though the card had sufficient balance. I ensured that I entered all details correctly, including the billing address associated with the card.

In-Person Transactions : I also attempted to use the card at physical stores, but the transactions were similarly declined. The store clerks confirmed that there was no issue with their payment systems.

Balance Verification : I have checked the card 's balance multiple times, and it is sufficient to cover the transactions I tried to make.

This has caused significant inconvenience, as I intended to use the card for. I would appreciate it if you could investigate this issue and promptly provide a resolution.

If additional verification or action is required from my end, please let me know.

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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