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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
Us bank, XXXX XXXX XXXX XXXX  have multiple accounts that have been opened in my name I want this information removed from all database and reporting agencies this is having a negative impact on my financial situation I was the victim of multiple data breaches including the SSA, 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 2024-12-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the inaccurate and unlawful reporting of a non-existent child support account by Experian and other credit bureaus, which claims to originate from XXXX XXXXXXXX XXXX Child Support Services. The account details include a balance of {$52000.00} and a past-due amount of {$52000.00}. However, I have verified through investigation that no such account exists in the records of XXXX XXXX XXXX XXXX Services, and there is no open child support case associated with me. 

Despite multiple disputes raised with the credit bureaus, they have failed to conduct a proper investigation or provide evidence to support the accuracy of this account. Instead, they continue to report this account, causing severe damage to my creditworthiness, financial stability, and ability to provide for my children. 

Key Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a proper and reasonable investigation of disputed information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Failure of the data furnisher to provide accurate or verifiable information.

15 U.S.C. 1681c : Reporting outdated, incomplete, or unverifiable information.

Consumer Harm : The reporting of this fictitious account has caused significant harm, including denial of credit opportunities and emotional distress, while undermining my ability to provide for my family. 
Resolution Sought : I am requesting the CFPB to : Investigate the reporting practices of Experian and other credit bureaus in this matter. 
Ensure the immediate deletion of this non-existent account from all credit reports. 
Require credit bureaus to provide a full explanation of their investigation process and compliance with FCRA. 
Hold the data furnisher ( XXXX XXXX XXXX XXXX XXXX ) accountable for providing false or inaccurate information, if applicable.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Request for Removal of Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of inaccurate and misrepresented information from my credit report, which was generated by TransUnion. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting that you correct the errors in my credit file, as the entries listed below are either incorrect, unverifiable, or misrepresented and were not given permission to have access to my report. 

The following items are in dispute and should be removed : 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 

The following companies were not given permission to have access to any of my reports, the entries above are either inaccurate or misrepresented and are affecting my credit score. Specifically, there may be issues regarding incorrect inquiries or accounts that were inaccurately reported to your bureau. I request that you DELETE these entries and ensure they comply with the requirements of the FCRA.

According to Section 1681i ( a ) of the FCRA, if a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute, correct any inaccuracies, and notify the consumer of the outcome. If the disputed information can not be verified, it must be removed. Additionally, the FCRA provides that you are required to remove any inaccurate, incomplete, or unverifiable information from a consumers credit report, including any inquiries that were not authorized under Section 1681b of the FCRA.

As these inquiries and accounts have been inaccurately reported or can not be verified as required by law, I demand their removal under the authority of the FCRA. Additionally, I request that you provide an updated copy of my credit report reflecting these corrections. 

Please complete this process within 30 days from the receipt of this letter, as required by Section 1681i ( a ) ( 1 ) of the FCRA. Failure to do so will compel me to take further action to enforce my rights, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies as provided by the FCRA.

Please send me an updated credit report that reflects the removal of the above-mentioned items once your investigation has been completed. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, 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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Tuesday XX/XX/XXXX after I got off of work at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  most days ) I noticed XXXX charges in varying amounts made out to XXXX that were from Monday XX/XX/XXXX. The charges were {$3.00}, {$160.00}, {$37.00}, {$64.00}, {$17.00}, and {$100.00}. I have never had any dealings with this company to my knowledge and was confused by the charges. I was not able to dispute the charges until Wednesday XX/XX/XXXX as I was informed I could not dispute them until they were posted. The dispute was denied Friday XX/XX/XXXX with barely any explanation other than we worked it out with the company. I have submitted an appeal and I had also learned that one of my coworkers had something very similar happen that same night.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Ive been a victim of IDENTITY THEFT, my Identity has been compromised, in the event several accounts were opened in my name ruining my credibility as a consumer and damaging my reputation. 
A car was leased or purchased using my information with out my knowledge nor consent with company MERCEDES BENZ FINANCIA Date opened XX/XX/2017 In the amounts of AMOUNT {$75000.00} This account is in result of identity theft and I have no recollection whatsoever of this loan This account is FRAUD AND DOES NOT BELONG TO 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An account listed on my credit report is inaccurate and erroneous. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Account # XXXX XXXX XXXX is inaccurate and should not be listed on my credit report. Dates are not reporting correctly, date last active, date of last payment, 30/60/90 are different on credit reports. This account was already removed from one report for multiple violations of the fcra. Ive attached screenshots of this account from two different credit reports. And they differ greatly, and at the same time both are wrong. 

Account # XXXX XXXX XXXX XXXX. This account is not mine. This was originally a XXXX account. It was disputed and removed previously. The account was sold to XXXX where they reaged and relisted this account in direct violation of the fair credit reporting act.

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

Complaint narrative:
XXXX Navy Federal Credit Union contacted me via text message notifying me there might be fraudulent activity on my account. I responded and let it be known that the charges for the purchase ( s ) of 4 Navy Federal Credit Union gift cards were not authorized nor made by me. Totaling an amount of {$200.00}, {$50.00} per gift card. Navy Federal Credit Union advised me they were not able to file a dispute due to the fact that the transactions were processed inside one of their branches by a Navy Federal Credit Union employee. I reiterated that the transaction was not authorized nor made by me. Navy Federal Credit Union advised that they were going to submit the claim for dispute through another system because they could not do it in the regular system. I requested a provisional credit of {$200.00} due to the fact that I was not at fault and it was the negligence of the Navy Federal Credit Union employee. They denied my request in totality. 

XXXX I contacted Navy Federal Credit Union again regarding the same issue and requested a provisional credit to which my request was denied again.

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 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am getting numerous calls from Midland credit almost every day since XXXX from different numbers on my cell phone. I have not answered the calls and they never leave a voice message, The reason I know it is this company is because it comes up when I XXXX the numbers that have called. These are the numbers that have called XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been receiving phone calls from Portfolio Recovery Associates for more than four months. As I have never had an unpaid debt, I figured these calls were some type of scam or fishing tactic. But as the calls were unrelenting, I spoke to one of their representatives who quickly determined that I was not the person they were trying to reach. They assured me that they would update their records and stop calling me. This was several weeks ago and I am still getting calls from them. I also received an unsolicited letter from an attorney that indicated a collection suit may have been filed against someone with my last name and MY personal address. I do not know the person being sued, but I am very enraged about having my personal phone number and physical address being associated with this collection attempt, simply because we share a last name. Obviously, there was no vetting involved before erroneously tying me to this collection effort.

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 — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX I have to redundantly report illegal debit purchasing from bogus collection agencies attempting to collect an illegal debit of medical billings. in the majority of the reports the medical facilities that have illegally purchased the information and violated HIPAA rights laws, the medical facilities have been paid by insurance companies before they sell patient information.

My credit score with all legal credit reporting bureaus should be much higher than being reported. 

Legal and full names from 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 XXXXXX/XX/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 2024-12-20 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: LA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I reached out to remove myself as an authorize user from my mother 's credit account. Per the representative, I was removed and received documentation that I was removed. Best Buy is still reporting to my credit and should not be.

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: 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: NY

Complaint narrative:
These Amex egift cards just don't work well. It is very hard to use them successfully and it's embarrassing trying to use them knowing that they often are declined. I tried using it at XXXX and it was declined today. They need to fix their product so it works like any Amex Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
I went to school put XXXX dollar down on XXXX school financing made payments weekly of XXXX XXXX and was almost done couldnt paying and lost my job now the debt collection come bought the XXXX and changed the amount and reported to credit bureau as you can see I never owed XXXX dollars I only about XXXX at the most .this has been a debt keeping me from getting thing done in life I dont owe I need it fixed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is selling my data to credit card companies and the information is incorrect. There is no way to discuss this with a real person at Experian. I called every number I could find on XX/XX/year>. The bots do not recognize my nuanced 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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: M1 Holdings Inc.
State: IL

Complaint narrative:
I paid off my M1 Finance Credit Card on the XXXX, and this was confirmed as " received '' via an email later that day. ( Also, I made the payment from my M1 savings account, so I had no reason to think they would have any difficulty in completing the transfer between two accounts both held by them. All my other intra-M1 transfers up until now have been conveniently instant. ) Today, the XXXX, I received an email saying that my credit card payment had " failed '' and that I had incurred a fee. 

I tried contacting support, but their phone lines simply say they are not available, and offer no information for when they are available. Their online support consists of a poorly-implemented AI chatbot that appears to have a 1st-grade grasp of the English language. 

Attached are screenshots of the payment confirmation and failures. 

I am also trying to close this credit card as I do not trust this company, but they only allow this through their phone support which I have no idea when will be available.

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: TX

Complaint narrative:
My credit report contains accounts that are inaccurate and should not be associated with my name. This is not only unfair, but also deeply troubling, as I have never authorized or been involved with the activities linked to these accounts. If you fail to investigate and correct these errors, I will have no choice but to take legal action.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this mmatter.

Company response to consumer: Closed with explanation