vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
This response addresses ChexSystems reply to my original complaint filed through the CFPB. While I acknowledge your recognition of my FTC Identity Theft Report and affidavit, your insistence on a police report or law enforcement signature as a condition for blocking the disputed tradelines is inconsistent with the Fair Credit Reporting Act ( FCRA ) 1681c-2.

Key Points 1.Legal Framework : FCRA 1681c-2 requires consumer reporting agencies to block fraudulent information within four business days when : A valid identity theft report ( e.g., FTC Identity Theft Report ) is submitted ; Specific fraudulent items are identified ; and Proof of identity is provided.

Nowhere in the statute does it mandate a police report or a law enforcement signature. The FTC Identity Theft Report meets the definition of an identity theft report under FCRA 1681a ( q ) ( 4 ), as confirmed by official FTC guidance. Conditioning compliance on additional documentation imposes an undue burden on identity theft victims, contrary to federal law.

2.Reinvestigation vs. Blocking : While you claim a reinvestigation was conducted, this is not a substitute for the mandatory blocking of fraudulent information under 1681c-2. The law explicitly requires blocking fraudulent data within four business days upon receiving a valid identity theft report. Reinvestigations are separate processes and can not delay or replace this obligation. 
3.Lack of Correspondence : Your response states that multiple letters were sent to me regarding the reinvestigation. However, I have received no such correspondence aside from your reply through the CFPB portal. This discrepancy raises concerns about whether ChexSystems has fulfilled its obligations to provide timely and accurate communication with consumers.

4.Ongoing Harm : ChexSystems failure to act in accordance with 1681c-2 has caused significant harm to my credit standing and approval chances, including emotional distress and financial losses. Despite providing the FTC Identity Theft Report and evidence of my involvement in the XXXX data breach, your delays continue to negatively affect my ability to restore my creditworthiness. In addition to the fraudulent account from XXXX, the following addresses and inquiries have not been removed and remain on my Chexsystems file despite notifying them on several occasions. This is emotionally draining and causing me harm monetarily as well. 
Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to formally lodge a complaint against Discover regarding unauthorized charges on my credit card account and the inadequate response I have received from their customer service team. I didnt hear nothing I went into the XXXX XXXX XXXX XXXXXX/XX/XXXX and got out on XX/XX/XXXX. When I went to the store for XXXX was the last time I used that card of this year when I got out the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this time, I was unable to manage my finances or monitor my credit card activity due to my XXXX XXXX. Upon my eventual discharge and return home, I discovered several unknown charges totaling approximately {$1200.00} on my Discover. And I even allowed and ask if they could change my account number cause I felt like someone had it and the changed my account number but didnt fix all the charges. Since identifying these charges, I have made numerous attempts to contact Discover 's customer service team to dispute these charges. I have called them multiple times, often waiting on hold for extended periods, only to feel as though my concerns were brushed aside. Despite providing them with detailed explanations of my situation, the representatives I spoke to did not seem to take my claims seriously and failed to provide a satisfactory resolution. I have clearly communicated my experience, but instead of receiving the assistance I desperately need, I have encountered frustration and indifference. Each time I reach out, I am met with vague responses that do not address my specific queries or concerns about the unknown charges. This has left me feeling ignored and helpless. Given the extraordinary circumstances surrounding my illness and the subsequent issues with Discover, I am reaching out to the CFPB for guidance and assistance. I believe I have valid grounds to dispute these charges based on my XXXX XXXX and the lack of proper support from Discover. 
I kindly ask for your help in addressing this matter. My goal is not only to resolve the issue of these unknown charges but also to ensure that financial institutions like Discover are held accountable for their customer service practices. Thank you for your attention to this urgent matter. 

Ps. I gave them months to respond just like last time and nothing was said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
Experian, XXXX and XXXX are violating my consumer rights! 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I was not aware of a lawsuit until my wages were garnished in XXXX ( {$680.00} ). This has happened again where my wages have begun being withheld. This company sued me for a car that was returned to them in XXXX. I did not get a chance to defend myself in this matter. I was a co-signer for the car and I am being specifically targeted. This company destroyed my credit by reporting negatively for at least seven years. It was up until XXXX that they stopped reporting. This company filed paperwork years ago and unethically garnished my wages. 

This has hit my family and I at the worst time of the year. This has caused me a lot of stress and anxiety. I recently acquired a job that can help me take care of my family and now I can not do that. I cant afford to pay my bills, my electricity has been shut off, I cant pay my rent, insurance, or even purchase basic necessities. Now because of this company my family and I are facing a possible eviction. Living below the poverty level is hard enough. Now the amount they are currently garnishing has pushed me further down below the poverty level.

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 2024-12-19 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2024-12-19 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-19 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:
Why do you still have inaccurate personal information on my credit file? I was denied insurance because my birth year is incorrect at XXXX! 

Experian, XXXX, and XXXX please make sure you have my correct name and address. 


Please fix this information

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 2024-12-19 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
credit reports are required by law to be accurate. The Fair Credit Reporting Act ( FCRA ) is a federal law that ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under the FCRA, both the credit reporting companies and the information providers ( such as banks and credit card companies ) are responsible for correcting inaccurate or incomplete information in your report. If you find any errors, you have the right to dispute them, and the credit reporting company must investigate the claim fully, not just with furnishers. Providing inaccurate or outdated information on a credit report is not legal under the Fair Credit Reporting Act ( FCRA ). It has been longer than 30 days, since my complaint was filed and the incorrect information is still being reported.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
credit reports are required by law to be accurate. The Fair Credit Reporting Act ( FCRA ) is a federal law that ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under the FCRA, both the credit reporting companies and the information providers ( such as banks and credit card companies ) are responsible for correcting inaccurate or incomplete information in your report. If you find any errors, you have the right to dispute them, and the credit reporting company must investigate the claim fully, not just with furnishers. Providing inaccurate or outdated information on a credit report is not legal under the Fair Credit Reporting Act ( FCRA ). It has been longer than 30 days, since my complaint was filed and the incorrect information is still being reported.

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 2024-12-19 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: NY

Complaint narrative:
A lot of FALSE DEROGATORY DEFAMATION XXXX still there after more than a year! The Criminals at EQUIFAX are CRIMINALS! They are DELIBERATELY VIOLATING THE LAW! AGAIN AND AGAIN AND AGAIN! INTENTIONALLY VIOLATING THE LAW! SHOCKING! They know- THEY KNOW- that the Laws say they they are supposed to remove false derogatory items within 1 month of that being reported- they know about those Laws- the Criminals at EQUIFAX have been deciding to deliberately violate those Laws! 


Outrageous! Terrible! Horrible! ABUSIVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XXXX XXXX, I was in communication with XXXX XXXX XXXX XXXX, who is my custom clearance company from New Jersey, regarding my invoice regarding a shipment and its status of arriving. During that conversation, I received an email from a similar domain of XXXX XXXX 's representative, who was a scammer, asking for an outstanding amount of USD XXXX with new account details and used XXXX XXXX account name for deposit of the amount. 

The amount was due to XXXX XXXX and the maturity date of the payment had also arrived. We were tricked in such an obvious way that we could not even think for a second that we were getting scammed. 

The payment due date, the signature at the end of the email, the amount of invoice and the account details were all matching the actual vendor. 

The new account the scammer provided were : Bank Name : FNBO Account number - XXXX Swift Code : XXXX Bank address- XXXX XXXX XXXX XXXX XXXX , CO , XXXX Routing number - XXXX We unfortunately went ahead with the payment and sent the screenshot over XXXX to the actual guy from XXXX XXXX XXXX to which they were shocked and refused to provide any new account details but it was too late until then as it was an ACH transfer. 

Upon checking, we found with FNBO that the actual beneficiary name is : XXXX XXXX Other than this, they refused to cooperate or provide any information.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : AFFIRM XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have had my PayPal debit card since XXXX. I have had no trouble using it until I got a deposit for a refund from my college for {$1200.00} on XXXX, XXXX. It shows the deposit came from XXXX XXXX, on XXXX XXXX they locked my card they said for suspicious activity and refuse to tell me anything except I cant have my money for 120 days. They tell me when I call I will receive an email but never do. I saw online after the fact that they have been sued for this and have done this to lots of people. I am now going to lose my grant money because I can not buy my books to go to my next semester. They refuse to let me talk to a manager or tell me anything they just say they can do it and nothing I can do about it. They will not even explain what is suspicious about a deposit from a college. I took out a loan from my school to be able to get my kids some XXXX and get on my feet we are homeless as it is. I lost my job and was counting on this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: NY

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 explanation