vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I was billed by XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$3900.00} for an emergency ambulance ride I received on XX/XX/XXXX. XXXX XXXX XXXX billed the wrong insurance company. They billed XXXX XXXX, which I was not insured with at the time, instead of XXXX XXXX where I was actively covered. I was unaware that they did not have my correct insurance on file, until I received a collection notice from Grant Mercile Debt Collector in the amount of {$4400.00}. I've attempted to contact all parties : XXXX XXXX XXXX, Grant Mercile, and filed claims and appeals with XXXX XXXX multiple times with no resolve. This collection is now negatively impacting my credit, due to a bill I do not owe. The ambulance company billed the wrong insurance, resulting in a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: DE

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my 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 explanation
Consumer complaint received 2024-07-10 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: AL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
Helvey and AssociatesXXXX XXXX XXXX has an account in collections in the amount of {$150.00} that i did not authorize or initiate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I called TD Bank ( at XXXX XXXX  ~ XXXX hour and XXXX minutes ) to just pay off the debt. I waited on hold and was passed around from department to department at least XXXX times, each time being asked for my XXXX account number and other tedious and redundant questions, before I spoke with XXXX - agent ID XXXX. 
I told her I was calling to settle the debt but that I needed to be made whole again. My credit needed to be restored by them. She told me TD Bank would settle at XXXX and the credit was another issue. I asked her to write up the settlement, but she refused. 
In addition to that the Agent attempted to gaslight me and by saying the letter I had received from TD Bank had nothing to do with the investigation despite the repeated references to the letter as the findings of the investigation on my previous call on XX/XX/XXXX at XXXX on a recorded line approx. XXXX minutes. 
I appreciate your attention to this matter and seek a timely resolution. 

Also, previous attempts at resolution have not been addressed. TD Bank has not addressed the unfounded investigation that has adversely affected my reputation. The suggestion that I claimed I resided at XXXX XXXX XXXX remains unaddressed. I kindly request clarification on the source of this address and the purpose behind its inclusion. 
Furthermore, I urge prompt attention to the terms of the loan. Had this matter been promptly resolved, the merchandise could have been returned. Unfortunately, despite having my contact information, I received no communication until XXXX months after the sale. Regrettably, this delay has impacted my ability to return the merchandise and has furthermore negatively impacted my credit and hindered my housing and employment prospects, as credit reports often scrutinize such discrepancies. 
I am deeply distressed by the false accusations and the lack of transparency exhibited by TD Bank and XXXX XXXX XXXX. Their collective actions appear to constitute a deceptive scheme, violating fair business practices. 
Additionally, I note that their documentation fails to mention the substantial monthly payment of {$380.00}. Such a financial commitment should be explicitly shown to customers, as it significantly impacts their financial obligations and their lives. 
I emphasize that I was unaware I was applying for a credit card. The sales representative, XXXX XXXX, misled me by suggesting I have an XXXX grace period for furniture payment and the subsequent documents provided did not state that XXXX XXXX monthly obligation was being incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: GA

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NC

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. 

Account Name : XXXX Account Number:XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-07-10 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: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my 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 2024-07-10 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: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXX XXXXXXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: MO

Complaint narrative:
THIS IS A DUPLICATE SUBMISSION - UNSURE OF FIRST TRANSMISSION Receiving repeated calls to my voice mail like this : QUOTE " READABLE VOICEMAIL FROM ( XXXX ) XXXX XX/XX/year> This is XXXX XXXX with Omni Point Management Solutions please return this call may reach me directly or any representative at XXXX. Thank you. '' UNQUOTE The calling organization uses variations of the number shown ( XXXX ) XXXX ), with the same message. 

The organization supposedly is a debt relief entity - I have no debts and have not had any for decades. Further, there are no family members residing with me or have been affiliated with my home phone number. 

I have place each number into my " block list '' but their voice mails still appear. XXXX  apparently has no way to stop this. 

Any help you can offer will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX account for XXXX is closed and marked as charged off. This account is written as charge off but in never received any XXXX cancellations of debt form. I also never received notification that this debt was owed before reporting. Because of this this is account is inaccurate and must be removed. Its is also a duplicate account on my credit that states paid never late with the same account number. This debt is not accurate and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
It's incredibly XXXX and you can't imagine how bad it is. I'm an honest person working hard, but when I look at my credit report, all I see is false, incorrect, and inaccurate information under my name. As a consumer, I know I have rights and protections, but it feels like a lie. I want to uphold my rights under the law, even though these errors are already negatively impacting my life and credit. I need your help to fix this. I'm sick and tired of living paycheck to paycheck and having my credit applications denied because of these mistakes.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: OH

Complaint narrative:
CoreLogic XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Opt-Out Request Under Privacy Act of 1974, Fair Debt Collection Practices Act, and Fair Credit Reporting Act To Whomever It May Concern Dear Sir/Madam, I am writing to demand that my personal information be removed from your databases and that I be opted out of any and all future data sharing and reporting activities as permitted under the Privacy Act of 1974, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 

Under the Privacy Act of 1974, I have the right to request the removal of my personal information from databases and to prevent its disclosure to third parties without my explicit consent. Furthermore, the FDCPA and the FCRA afford me specific rights regarding the collection, use, and dissemination of my credit information. These rights include, but are not limited to, the ability to opt out of any and all reporting and data-sharing activities. 

Therefore, I am requesting the following actions be taken immediately : 1. Remove all my personal information from your databases.

2. Cease any future collection, use, or dissemination of my personal information.

3. Provide written confirmation that these actions have been completed. 

Please treat this letter as a formal request under the Privacy Act of 1974, the FDCPA, and the FCRA. I expect to receive a response within 30 days from the date of this letter as stipulated by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX The Aggrieved Consumer

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 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
On XX/XX/year>, I sent Portfolio Recovery Associates a certified mail letter, requesting to lift the cease and desist on the purpose of communicating for clarity from here on out. And I also requested to have any and all documents, they have that gives them authorization to be able to collect on the alleged debt, and I have yet to receive a response!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my 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 explanation
Consumer complaint received 2024-07-10 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: SC

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. 

Account Name : XXXX XXXXccount Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-07-10 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: AZ

Complaint narrative:
I was reviewing my credit report and noticed that my personal information was incorrect.

Company response to consumer: Closed with non-monetary relief