vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: LA

Complaint narrative:
its incorrect information being reported on my credit report.. 
XXXX, XXXX its in positve standards and XXXX is saying negative its inaccurate information thats being reported please validate this or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After failure to be able to lift our security freeze by phone or online, Equifax e-mailed us that the problem was solved. All we had to do was login on line and lift the freeze. We tried this and the website advised us that we could not lift the freeze online and had to phone them. We e-mailed Equifax and advised that our online account was not functioning to enable us to lift the freeze. We advised Equifax that after our first experience WE WOULD NEVER PHONE THEM AGAIN but that we would talk to a knowledgeable and helpful representative if they wished to phone us to solve the problem. We gave them our phone number. Equifax replied that " due to the information we provided '' they would not be able to set up an online account. Note that we do have perfectly functioning online accounts at XXXX and XXXX and were able to lift our freezes at each company within 5 minutes. ( Subsquent the above, Equifax bizzarely sent us an e-mail congratulating us on having successfully set up an online account. ) Equifax e-mailed that we would need to complete a " Security Freeze Request Form. '' We replied that we has already sent a completed form with all the requested documentation by Priority Mail to PO XXXX, XXXX, Georgia,XXXX. We also stated that the Post Office documented that they had received the form today ( XX/XX/XXXX ). We attached a copy of the completed form to the e-mail. In response this Equifax again replied that we needed to mail a completed " Security Freeze Request Form. '' Obviously our e-mail was read by malfunctioning AI/Auto Response or was received by a person who could not bother to read it before replying or was unable to read. Solution : Equifax needs to lift our credit freeze as directed on the mailed in " Security Freeze Request Form ''. My understanding is that they are legally obligated to lift the freeze when they have received written instructions and documentation. They also need to set up a functioning online account that we can use in the future like all the other credit bureaus have done. I also believe that Equifax staff training and computer programing needs to be thoroughly investiogated. This is the same firm that made news headlines by leaking a huge number of social security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This complaint addresses an unresolved dispute regarding an unauthorized charge on my American Express account ending in XXXX. In XX/XX/XXXX, an unauthorized charge appeared on this account, which was not visible in my online account management nor linked to any physical card in my possession. I did not receive any account statements by mail during this time, making me unaware of the charge until XX/XX/XXXX, when I received a past-due payment notice. Despite filing a dispute with American Express in XXXX under Reference Number XXXX, I have not received a resolution. 

Attempts to follow up in XXXX and XX/XX/XXXX resulted in the reopening of the dispute under Reference Number XXXX, but no further updates have been provided. Additionally, XXXX XXXX contacted me in XX/XX/XXXX regarding the account, to which I responded with evidence of the ongoing dispute, yet no resolution followed. I have also been unable to access the account or dispute status through XXXX XXXX online portal. 

This situation has led to the balance ballooning to {$820.00} due to late fees and interest on the unauthorized charge. It has significantly impacted my credit score and caused considerable stress. I request immediate resolution of the dispute, removal of all late fees and interest, and corrections to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A company named NATIONAL CREDIT SYSTEM who bought debt and paid it from Original creditor : XXXX XXXX XXXX XXXX  refuses to remove from my credit report this debt I do not owe. I presented police report information showing my ID was stolen, have tried to reach this company and they disconnect the calls. Consistently harassing me for a payment. The collection companies need to be held responsible for their actions of harassing consumers after the have bought debts not knowing full details of what's going on and harassing consumers to pay THEM..even after they have already paid the debts. Only my ID is attached to this account, no where is my social security number attached to this account and I explained this to the person over it. I can never get a call back or anything. PLEASE GET THIS HARASSING COMPANY NATIONAL CREDIT SYSTEM OFF MY CREDIT REPORTS..XXXX XXXX XXXX XXXX XXXXXXXX IS NOT MINE, WHEN A PERSONS IDENTITY IS STOLEN, OF COURSE ONE WILL BE ABLE TO PRESENT AN ID. REMOVE THIS FROM MY CREDIT REPORTS IMMEDIATELY AND THIS COMPANY NEEDS TO BE SHUT DOWN PERMANENTLY!!!! THIS HAS BEEN SO STRESSFUL AND THE HARD INQUIRIES FROM MY REPORTS AS WELL REGARDING RENTAL/TENANT INQUIRIES. I was in a XXXX XXXX for almost 2 years. So this definitey was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received notifications from several credit monitoring companies stating that I had a new hard inquiry on my credit report. Upon investigation, I found that I had two hard inquiries from the same company, Capital One, for two different dates, XX/XX/XXXX, when I opened a new card, and today, XX/XX/XXXX when no new changes had been made nor accounts been opened. I called XXXX and opened a dispute at their recommendation when they found no new account associated with the new hard inquiry. They informed me that I needed to make a report here in order to have the hard inquiry removed following their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Through the usage of ad-blockers and the intentional disabling of third party javascript utilities client side, many features of the online portal are unavailable or intentionally XXXX. 

Difficult, if not impossible, to do tasks such as moving money between accounts, paying of liabilities through the website, or even using services such as XXXX are entirely XXXX if these third party scripts that are known to exfiltrate sensitive information is allowed. 

XXXX XXXXXXXX XXXX XXXX and others have been found on the client side. Disabling of these and other similar scripts disables access to most of the web front end portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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 am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and Issues XXXX. Account Balance and High Credit Conflict : XXXX  Balance : {$5600.00} XXXX  High Credit : {$5600.00} XXXX Credit Limit : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o Experian : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " XXXX  '' and " XXXX  '' marks, especially for XXXX, where there is a mix of " XXXX  '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK  '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 


Account Name 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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 


Account Name 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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I engaged a XXXX XXXXr on XXXX with many followers and good reviews to send one of his products to me.

Provider then said to do the transaction on Cash App owned by Square/Block . Which has been reliable in the past and which CLAIMS to verify and maintain current accounts for all transactions and users. 
Transaction occurred.

Provider then started the scam and had extremely fake shipping URL and status sent to me.

Shipper " exists '' but is shady and their website is a typical fly by night template. I wouldn't have known this until doing the transaction.

They then said the product was stuck in police/customs, which it couldn't have been because it was a domestic shipment. Lies lies lies. THEN, they sent a message saying they were going to extort me out of XXXX dollars to " get it out of customs '' as if XXXX XXXX ever demands bribes. Dear lord they are stupid. 
They need to be investigated and given a felony for their practices, but that is secondary here. 
Then, realizing it was a huge scam, I went back to XXXX and told the person they were operating a scam ring. He of course denied it, but funny enough, shut down his profile and all comms with him on insta. 
So, I then told Cash App to refund my money, which they have a dedicated option for- obviously because they have a ton going through their XXXX system. 
They denied it after I explained all the above. 
They claim that they reimburse fraud because it is a simple retaking of the funds from the " verified '' users they have in the millions. 
Well, no. They said they won't touch it. 
To which I said they have to have those records and access to be a valid money handler. They didn't acknowledge such. 
I wrote again to complain and demand my money back. 
They again denied it with ZERO explanation. 
I then said I would be complaining to you and the FTC and looking for a lawyer. 
They have a fiduciary duty to handle funds and maintain CURRENT accounts. 
Which duty they have FAILED at. 
So, now I am formally complaining to have them brought to court just like XXXX. 
Either they shut down or they reimburse. 
I have more screenshots but haven't been able to find them yet. 
They can not be allowed to continue to enable fraud. 
It's an abomination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: OH

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( 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 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 2024-12-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
For years I was a client with LEXINGTON LAW FIRM | CREDIT REPAIR SERVICES to repair my credit. That never happened, they took my money and never repaired my credit. 
I recently found out that they were involved in A multibillion-dollar settlement with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MD

Complaint narrative:
i disputed inaccurate information on my credit profile these accounts do not belong to me. after a thorough investigation XXXX has deleted them from my credit profile but the other cra still have them listed on my credit

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 2024-12-20 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: MD

Complaint narrative:
i disputed inaccurate information on my credit profile these accounts do not belong to me. after a thorough investigation XXXX has deleted them from my credit profile but the other cra still have them listed on my credit

Company response to consumer: Closed with non-monetary relief