vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
After Paying Lexington Law for fixing my Credit Score in the late XXXX They was taken XXXX dollars and month on the First of the month for about 10 months then after losing my job and I call and let them know that I wont be able to pay you guys anymore but the last time we talk because I lost my job my scores was XXXX and when I told them I lose my job they made me feel like no problem when you fine work give us and call right after that conversation I try to use my Credit on the in and Department Score applying for and Credit Card and I was Deny because of my credit when I left Lexington Law so did my Credit Score. 

I received and letter for and check of XXXX dollars from something that Lexington Law had did to me in XXXX  the name of this Company is cfpb Consumer Financial Protection Bureau and I call them I been waiting for someone to fix this situation I have not found any other Credit people to Fix my Credit Scores because I am scare to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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 attempted to first use the American Express gift card on XX/XX/year> at XXXX in store and was informed by the retailer that although they accept Amex, they're unable to use my gift card as tender as per their store policy. I made another attempt on XX/XX/XXXX at XXXX, where they also accept Amex, and the payment was denied there as well. I made XXXX more unsuccessful attempts to use the Amex prepaid card at my local grocery store ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and was also informed that they won't be able to accept this payment method even though it was recommended by American Express to use the gift card at a grocery store. The other attempt was to purchase tickets to an art exhibition in XXXX called XXXX, and after inputting the payment information as their website indicates they accept Amex as well, the payment was denied. I called Amex today XX/XX/year>, at XXXX and wasn't provided any useful information in helping me use this gift card. I requested a physical gift card to be sent, but they informed me that they could not use this and recommended me to use the card at different retailers. XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX are all large retailers/businesses that accept most forms of payment, and if they're not accepting this prepaid card, I let them know that it feels like the money is being held hostage and that although there is a balance, I'm essentially unable to use any of this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-02 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:
We are in the 60-day mark and Equifax has not removed the attached accounts from the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under theFCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the reporting. I received back a denial of process and an assertion that the records of the reported were in fact UNAVAILABLE, or so they claimed. No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter. You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a Section1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies .

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 2025-01-02 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: FL

Complaint narrative:
Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under theFCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the reporting. I received back a denial of process and an assertion that the records of the reported were in fact UNAVAILABLE, or so they claimed. No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter. You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a Section1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Of Birth : XXXX To Whom It May Concern, I am not liable for this debt XXXX XXXX because I do not have a contract with DEBT RECOVERY SOLUTIONS, They did not provide me with the original contract as I requested. DEBT RECOVERY SOLUTIONS called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until DEBT RECOVERY SOLUTIONS, proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( DEBT RECOVERY SOLUTIONS ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : DEBT RECOVERY SOLUTIONS and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
These injuries were unauthorized. 
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 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 2025-01-02 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-02 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I filed a previous complaint with XXXX XXXX. complaint number XXXX XX/XX/XXXX. In late XXXX a representative of XXXX. called me and said they were going to send me my report. based on this complaint. She stated she need to check with another department. I asked what the issue was, why they could not verify my information, with all of the [ personal infromation I had previously provided..DL, SS # XXXX and what she had to check with another dept about. She described a convoluted explination of, well we need to XXXX XXXX XXXX XXXX XXXX XXXX and confirm this and that. I am XXXX is the isssue with this company. I provided all personal information, AGAIN for a XXXX time..DL, SS #, home address, previous address and they still can not fix this or get me an explanation or my report. On their website they ask of even more information, XXXX information, a previous utility bill, XXXX XXXX, which I AM NOT going to provide. This is obscene! I am not in the witness protection program. I freaking googled myself and can find all of this info, from DNA to present, in XXXX freaking secs with basic info. There is no reason for them to collect, EVEN MORE INFO FROM ME. XXXX XXXX needs to be audited and fined for harassment. This is absolute XXXX. Where is the report your rep told me was going to be sent in late XXXX? Can the XXXX XXXX please regulate this type of behavior by a data collection broker? PLEASE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NC

Complaint narrative:
Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 Trans Union has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed Trans Union that I was affected by ID Theft and my information was compromised while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These are not credit transactions initiated by me. Additionally, I will be filing federal complaints against Trans Union for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Trans Unions failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. Illegal accounts include are : Account/Issue : Account Name : XXXX XXXX XXXX  Balance : {$10000.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX XXXX XXXX # XXXX Balance : {$840.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX # XXXX Balance : {$1900.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX XXXX XXXXXXXX # XXXX Balance : {$2000.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX XXXX # XXXX Balance : {$850.00} Opened : XX/XX/XXXX Issue : Identity Theft This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested to provide verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Trans Union a fair opportunity to clear this up, however I am still being harassed.

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 2025-01-02 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:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2025-01-02 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: NC

Complaint narrative:
The credit bureaus are reporting I have this on my credit report and that is false I have already reported to them multiple times that the account for XXXX XXXX XXXX  should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im honestly losing patience. Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution. This isnt just an inconvenienceits affecting my financial stability and mental well-being.

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 2025-01-02 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
2nd attempt- Equifax was sent notification via mail. Requesting to remove ALL incorrect demographic information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One discontinued their partnership with Walmart credit cards and told me that it was going to be changing to a quicksilver card. I didnt love the terms of the quicksilver card so I began looking into the other options and found a Venture card that was offering XXXX miles after {$4000.00} dollars spent in the first 3 months. I then applied on a separate window for the venture card. I believe that when I attempted to log into capital one to apply for the venture card it saw that as me trying to change my Walmart turned quicksilver card into a venture card. After 2 months I see no implication of my sign on rewards so I call on XX/XX/XXXX and submit a claim that should take 10-12 business days. On XX/XX/XXXX I call again because I havent heard any updates and I learn that there is no claim number associated with my case, but there has been an indefinite delay. So I call back on XX/XX/XXXX for another update still no claim number and still no updates. However now Im told that it may take an additional 42 days before my case, with no case number, can be reviewed. Simultaneously Im told by supervisors that I upgraded cards so I will never be entitled to benefits.

Company response to consumer: Closed with explanation