vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: DC

Complaint narrative:
In XXXX, I contracted Lexington Law to help repair my credit, as I was struggling with my financial situation and trying to improve my credit score. I made multiple payments for their services with the understanding that they would help me address and resolve negative items on my credit report. Unfortunately, despite months of payments, I did not see any meaningful improvement in my credit score or financial situation.

During this time, I continued to receive regular emails, phone calls, and marketing materials from Lexington Law, promising results that never came to fruition. The lack of results and the continued billing left me feeling financially drained, unable to secure a car loan, and trapped in a toxic living situation because of my poor credit. The stress of the situation took a significant toll on my physical and emotional well-being, resulting in a loss of over 30 pounds due to anxiety and frustration.

The situation became unbearable as Lexington Law continued to bill me for services I did not receive, and I felt harassed by their persistent marketing and empty promises. After multiple attempts to resolve the issue and no tangible improvements, I decided to end my contract with them. It wasnt until I took control of my own credit repair and used my knowledge to properly manage my finances that I began to see results in XXXX. 

In summary, I paid for services that did not provide the promised outcomes and faced emotional distress and financial setbacks as a result. I believe this constitutes a violation of consumer protection laws, and I am seeking help to address the financial and emotional harm caused by Lexington Laws deceptive practices.

Attached are the following proofs for your reference : Emails from Lexington Law attempting to collect payment despite no results.

Documentation of my credit score before and after taking control of my credit repair in XXXX, showing improvement. 

I request your assistance in investigating this matter and providing guidance on how I can seek compensation for the financial loss, emotional distress, and damages caused by Lexington Laws deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
This is my SECOND complaint against PNC bank. This bank refuses to close my checking account. On XX/XX/XXXX, I traveled to a PNC branch ( XXXX miles round trip ) .They said they could not close it in one day and to return. I returned home and used the PNC website account to close the account ( I was told ). PNC sent me closed account letter. I verified I could not log into the PNC account anymore. 

However, in XXXX I received a WELCOME letter package from PNC saying I had requested an account ( a big XXXX lie ). I filed my first complaint with the Consumer Financial Protection Bureau, which was forwarded to PNC. I received a PNC call a few days later saying they were closing the account. This was all being taken care of they said. ( I doubted that. ) And sure enough today ( XXXX ), I received a PNC Checking Account ( Nov-Dec ) STATEMENT complaining I did not have the required PNC bank XXXX XXXX on file, and directing me to get that done for their FDIC compliance XXXX. ( They used the same account ending with XXXX that was supposed to be closed! ) I called the number and was hung up on when I could not verify my identity by receiving a LINK on my FLIP phone to click on. I have told them repeatedly I do not have a smart phone and to send any verification link to my email address on phone. ( This is the same email address that is tied to my old account. ) They hung up on me. 

PNC bank is no doubt about to start charging me with penalties for not maintaining the minimum required balance and anything else they can conjure up. They are the WORST bank on the planet. They are also engaging in elder abuse harassment and they need to cease and desist! 

Any and all help appreciated to stop this harassment and close this XXXX bank account ( that no one in my family EVER opened ).

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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
In XXXX of XXXX, someone opened up a credit card with Apple / Goldman Sachs that was not me. I know this because for several decades I have only used two credit cards and one debit card. I even closed one of the credit cards after more than 30 years because they kept having fraud XXXX XXXX  XXXX XXXX ). My only credit card now is an XXXX XXXX XXXX. Goldman Sachs reached out to me. I filed a report with them that this was a fraudulent activity and filed a police report with the XXXX Police Department. I sent that report to the credit card company ( Goldman Sachs ) at the address they provided me. They keep on hammering my credit score with late payments even though I'm not required to make a payment. I even TRIED to make a payment but they returned the funds to me- but continue to hit my credit score ( now down more than XXXX points ) right as I'm trying to purchase a primary home. There investigation, per what they have told me, can go on 90 days or more. It has now run more than 90 days. I've spoken to all 3 credit bureaus and they have said there is nothing that can do unless Goldman Sachs expunges the record, which they haven't, and they continue to hit the credit score. I suspect if I get another one, it would be down XXXX points based on the XXXX simulator. This has to stop.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request that all accounts listed below, as well as any related inquiries, be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a recent data breach. 
Below are the accounts and inquiries I request to be deleted and blocked : 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 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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

15 U.S.C 1681 section 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 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 2024-12-27 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

15 U.S.C 1681 section 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 2024-12-27 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i have called Navy Federal and ask them why do i have so much late fees in just 1 month sometimes up to XXXX or XXXX times in 1 months each for {$36.00} How am i to get better with my finances when i have to pay so much Money to my Bank? 
Now i have a {$500.00} overdraft and i don't know how to get out of it! 
i called and ask if i can pay {$100.00} a month.to get it out of the way and got refused to do so she sad i have to pay {$500.00} at XXXX time which i don't have i have my account with them since XXXX  NFCU got a lot of money on late fees from me to the last 10 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
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: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I endorsed my coupon bonds on bureau of XXXX XXXX form XXXXXXXX XXXX XXXX XXXXXXXX mailed it express mail XXXX XXXX XXXX XXXX XXXXXXXX They confirmed receiving it on Fri XX/XX/year> and stated they would deposit it but XXXX, as of this date it was never done so I assume they kept my funds and put them in a unknown account please help, because all my bills are late with this game they are playing thanks again for all your help. 
PS : my forms were notarized before mailing as stated on forms.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trying to have XXXX remove all old collections from credit report

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Trying to have XXXX remove all old collections from 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint against Equifax for failing to respond to a dispute letter I sent via USPS Certified Mail tracking # XXXX on XX/XX/year>. In this letter, I requested an investigation into multiple inaccuracies on my credit report, as well as corrections to incorrect personal information. According to USPS tracking, Equifax received the letter on XX/XX/year>. 
Despite the critical nature of these inaccuracies and their impact on my creditworthiness, Equifax has failed to respond or provide investigation results. This inaction is concerning and frustrating, affecting my ability to access credit and other financial services. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and provide results within 30 days of receiving a dispute. Equifaxs failure to meet this deadline is a clear violation of federal law. I am including a copy of my dispute letter sent to Equifax and USPS certified mail proof of delivery as evidence to support my claim.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To your company ( I am requesting THE METHOD OF VERIFICATION ) I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies. I have asked to have them UPDATED for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH ACCOUNT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY TO PAID ON TIME/ NEVER LATE IMMEDIATELY. ( YOU HAVE 15 DAYS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ) ( DO NOT SEND A GENERIC LETTER STATING YOU DO NOT UNDERSTAND THIS DISPUTE OR YOU ARE UNABLE TO DISPUTE. THIS IS VERY CLEAR, ) GIVE ME THE METHOD OF VERIFICATION OF THESE ACCOUNTS OR UPDATE THE ACCOUNTS accordingly. PAID ON TIME, NEVER LATE FOR ALL PAYMENTS IN PAYMENT HISTORY. ( YOU ONLY HAVE 15 DAYS UNDER THE FCRA )

Company response to consumer: Closed with non-monetary relief