vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
Back in XXXX and XXXX I signed up with lexington law for credit repair because i was told they were the number one credit repair service out there. i didnt like the start up fees but went ahead and continue witht them. The service and product they advertise was not what i was given and the process was so drawn out with continued monthly payments. After months of not getting results I cancel my service with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; 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 accounts 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 this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MN

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. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax:XXXX XXXX XXXX, EquifaxXXXX XXXX XXXX XXXX Equifax:XXXX XXXX XXXX XXXX  XXXX Equifax:XXXX XXXX XXXX Equifax:XXXXXXXX Equifax:XXXX XXXX XXXX XXXX XXXXXXXX, Equifax:XXXX XXXX XXXX Equifax:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXX, Equifax:XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EquifaxXXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX, Equifax:XXXX  XXXX Equifax : XXXX, XXXX : XXXX, XXXX, Equifax:XXXX XXXX, XXXX : XXXX, Equifax : XXXX, XXXX : XXXX, XXXX : XXXX XXXX Equifax:XXXX XXXXXXXX, XXXX : XXXX, Equifax : XXXX, XXXX : XXXX, XXXX, Equifax : XXXX, XXXX : XXXX, XXXX, EquifaxXXXX XXXX XXXXXXXX, XXXX : XXXX, Equifax : XXXX XXXX XXXX : XXXX, XXXX : XXXX, Equifax : XXXX, XXXX : XXXX, XXXX : XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX XXXX XXXX, Equifax : XXXX, XXXX, XXXX, Equifax : XXXX, XXXX : XXXX, XXXX XXXX XXXX, Equifax : XXXX, XXXX : XXXX, XXXX : XXXX, Equifax : XXXX, XXXX : XXXX, XXXX : XXXX, Equifax : XXXX XXXX XXXX : XXXX, XXXX : XXXX, Equifax : XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I received an email to consolidate my loan to " make one simple payment ''. As I have never been able to be ( or since been ) approved for a consolidation loan since the point is to make payments easier to handle, I assumed I would be turned down. Instead I received notice that it was approved and my payments nit only went up but my loan was now a 30 year term instead of the original 10. I called every number I could find and was told there was nothing that could be done. I do not understand how a " loan '' does not have to show you the terms and then you agree, or not. What kind of XXXX  would possibly agree to both the amount And length going up? And because it is a Parent Plus, I have very few options to help with payments. I will literally pay until I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian credit reporting agency, block information appearing on my consumer credit report within 4 business days of you receiving this complaint. My information was exposed in a data breach, and after looking at my recent credit report I have absolutely no knowledge of the alleged debt listed on my credit report. I am a victim of identity fraud.

Account : XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report cfpb claim # XXXX - According to the FCRA Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e you are required by federal law to verify through the physical verification of the original signed consumer contract. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
Charged upfront fees, took fees from my account ( monthly ), and did not help me with credit repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A creditor is reporting an account negatively on my report, but has not established ownership of the account nor investigated the account for accuracy.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital System has reported a debt that isnt mine. Name is similar to mine. Is unable to give me details about the debt. This has caused a major lowering of my credit scores Here is the false credit report Details Source XXXX Alert Date XX/XX/year> Balance Amount {$1400.00} Is Collection YES Open Date XX/XX/year> Payment Status XXXX XXXX XXXX ( COLLECTIONS ) Status Date XX/XX/year> Name JEFFERSON CAPITAL SYST Phone ( XXXX ) XXXX Business Type XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 submitting this formal complaint to report repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Experian regarding the inaccurate, unauthorized, and unverifiable reporting of accounts and hard inquiries on my credit report. The disputed accountsXXXX 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  (, and are inaccurate , unverifiable, and unauthorized . Despite prior disputes, no documentation has been provided to verify these accounts and inquiries as required under FCRA 1681i ( a ) ( 1 ) and FCRA 1681b ( f ). This failure to verify or remove unverifiable entries violates FCRA 1681e ( b ), which mandates maximum accuracy in reporting, and FCRA 1681i ( a ) ( 5 ), which requires the removal of unverifiable information. Additionally, these items are not marked as Disputed, violating FCRA 1681i ( a ) ( 6 ) ( B ), and the creditors have failed to validate the debts under FDCPA 1692g. These violations have caused significant harm to my credit profile, negatively impacting my credit score and misleading potential creditors. I demand the immediate removal and permanent blocking of these accounts and inquiries under FCRA 1681c-2, which requires the deletion of unverifiable or fraudulent information. I request the CFPB enforce compliance with federal law, investigate these violations, and confirm in writing that these items have been removed and blocked. Attached are dispute letters, certified mail receipts, and excerpts of my credit report highlighting these accounts and inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I got a loan for a used car. they dealership sold me a lemon and according to all XXXX  lemon laws have be violated, I reached out over XXXX times to get remedy even though I had well covered warranty. Im being threatened and harassed by the bank loan because him not able to make the payment due to the car breaking don't XXXX or less days after purchase. its been a financial burden to survive off basic needs and creating unnecessary expenses to to back and forth to work. there website lied out their vehicles inspection and they removed that information prior to me sending a affidavit notice.please help. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EdFinancial Services
State: PA

Complaint narrative:
I noticed a new account on my credit report detailing a fraudulent loan taken out in my name from EDFINANCIAL. I contacted the company on XX/XX/year> to make them aware and get the account cancelled. They said they would email and mail me paperwork to cancel the loan and advised me to file a police report, which I did. After hearing nothing for over a month i called again on XX/XX/year> with the same complaint and made them aware that the information had not reached me. To date ( XXXX XXXX XXXX ) i have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts, 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 these are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts, 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 these are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )

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 2024-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive noticed I had inquiries on my report that I dont recognize and I havent authorized them to run my credit and I want them deleted ASAP- i already filed identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
Ive noticed I had inquiries on my report that I dont recognize and I havent authorized them to run my credit and I want them deleted ASAP- i already filed identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX XXXX. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. 

Upon escaping the XXXX  situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of XXXX XXXX, to verify my victim status and obtain supporting documentation. 

Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under XXXX C.F.R. XXXX. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. 

As of now, the following unresolved fraudulent accounts continue to affect me : XXXX loan from XXXX XXXX, opened on XX/XX/XXXX with a balance of {$45000.00}. 

Multiple XXXX  XXXX credit card accounts, opened on XX/XX/XXXX, with balances totaling {$3400.00}. 

XXXX XXXX  credit card, opened on XX/XX/XXXX, with a balance of {$1900.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX with a balance of {$770.00} and another charged off at {$32000.00}. 

XXXX XXXX auto loan, disputed for incorrect payment records. 

XXXX accounts from XXXX XXXX ( balance of {$330.00} ) and XXXX XXXX ( balance of {$2200.00} ). 

These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of XXXX XXXX. 

Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX  XXXX. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. 

Upon escaping the XXXX  situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of XXXX  XXXX, to verify my victim status and obtain supporting documentation. 

Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved.

As of now, the following unresolved fraudulent accounts continue to affect me : Auto loan from XXXX XXXX, opened on XX/XX/XXXX with a balance of {$45000.00}. 

Multiple XXXX  XXXX credit card accounts, opened on XX/XX/XXXX, with balances totaling {$3400.00}. 

XXXXXXXX XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$1900.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX, one with a balance of {$770.00} and another charged off at {$32000.00}. 

XXXX XXXX auto loan, disputed for incorrect payment records. 

XXXX accounts from XXXX XXXX ( balance of {$330.00} ) and XXXX XXXX ( balance of {$2200.00} ). 

These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of XXXX XXXX 

Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2024-12-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I got XXXX gift cards ( {$25.00} and {$500.00} ) from AMERICAN EXPRESS by reward program few month ago. 
I tried both gift cards to pay in store but it was errared so I could not pay. 
I called AmexXXXX ( XXXX ) but I could not to get how to renew it. 
I want to return those XXXX gift cards and to get AMERICAN EXPRESS check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I has apply Home Depot credit card and and I just buy stuff for my new house and right now I can not use the card because bank say can not verify my identity I has no idea way my phone number is get not verified and I has get vicoe maill to talk me I need call the customer service team and provide the 4-digit reference number but this is not working too.

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