vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-03-27 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Hello I would like to resolve the itemized bill that I need And the ability to potentially do a payment plan. Or have payment options. I hope this finds you well.

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 2024-03-27 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.
State: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9900.00} 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a states i have 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. Also reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to contest the existence of false accounts listed on my credit report. Despite previous attempts and provided evidence of identity theft, these inaccurate entries persist. It is my understanding that failing to rectify this situation violates regulations governing credit reporting. 
I kindly ask for an urgent investigation into these accounts and their removal from my credit report, as mandated by the law. Your swift attention to this issue would be greatly valued. 
XXXX XXXX XXXX and 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 2024-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: DE

Complaint narrative:
Phone bill 
I didnt know 
Anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Description of the Issue : On start of XXXX XXXX, Bank of America blocked access to my account without providing any explanation or prior notification. Since then, I have been unable to access my funds or conduct any transactions associated with the account. This has caused significant inconvenience and financial stress. 

Communication Efforts : I have made numerous attempts to resolve this issue by contacting Bank of America 's customer service department on multiple occasions. Despite my efforts, I have not received a satisfactory explanation for the account blockage, nor have I been provided with a timeline for resolution. Each time I contacted customer service, representatives were unable to provide concrete information or assistance in resolving the matter. 

Duration of Account Blockage : The account blockage has been ongoing for over a month, exacerbating the inconvenience and financial strain it has caused. 

Requested Action : I am seeking intervention to prompt Bank of America to : Immediately reinstate access to my bank account. 
Provide a clear explanation for the account blockage. 
Compensate for any financial losses or damages incurred as a result of this issue. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Frozen bank account Contacted company To emailed in regards to the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I requested for Experian, XXXX and XXXX to delete a inaccurate and unverifiable bankruptcy from my credit report. They failed to do so. Which is in violation of 15 USC 1681i.

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 2024-03-27 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> I received a 1099C copy B for debtor form from Synchrony Financial via USPS mail. I called XXXX & spoke with Account manager XXXX & she knew nothing about why i would get a 1099C & said she saw that nothing was sent to me. Also she mentioned fraud. she said she saw an internal form that mentioned that but did not answer any questions I posed to her about this. She also corrected me & stated that care credit & synchrony are a BANK not creditors. I asked her to transfer me to someone that could see the notes pertaining to the 1099C & who could explain the fraud she said she saw verbally mentioned. I was transferred to XXXX who identified herself also an account manager. She said that the account would update in 1-2 billing cycles but she needed to ask someone else about the fraud & 1099C. She put me back on hold & said she asked 3 account managers & no one could see the letter ( I corrected her & said 1099C ) I was talking about. I asked her what I should do about my account? She told me to call the IRS. I disconnected the call. I am reporting this because why would I have a Cancellation of Debt that is still showing up on my credit reports? Certificates of indebtedness is considered INCOME that is to be recorded on Income tax return & INCOME can not be reported as debt. Account number 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 2024-03-27 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:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I was told I would get a reduction in the amount of my loan if I made payments on time. The monthly payment was supposed to be reduced. After a couple of payments were made at the reduced amount. The next payment went back to the original amount. I just continued to pay since I will be finished paying the loan on next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Would you kindly review the information on file for me to ensure that it is accurate and in line with the Fair Credit Reporting Act and Metro 2 compliance standards? I'd like to dispute any errors in the credit report, and respectfully request that they be remedied as soon as possible. I'd like to thank you for your attention to this matter. It is surprising that the credit report I have received does not conform to FCRA and applicable Metro 2 data field formatting standards. In order to avoid further financial consequences, it is important that false accounts be deleted as soon as possible. It is important for me to have a credit report, and I expect only accurate, verified, and compliant data to be documented. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF ED/GSLXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Would you kindly review the information on file for me to ensure that it is accurate and in line with the Fair Credit Reporting Act and Metro 2 compliance standards? I'd like to dispute any errors in the credit report, and respectfully request that they be remedied as soon as possible. I'd like to thank you for your attention to this matter. It is surprising that the credit report I have received does not conform to FCRA and applicable Metro 2 data field formatting standards. In order to avoid further financial consequences, it is important that false accounts be deleted as soon as possible. It is important for me to have a credit report, and I expect only accurate, verified, and compliant data to be documented. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 2024-03-27 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:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc.
State: OH

Complaint narrative:
XXXX I disputed the validity of the XXXX XXXX Bankruptcy United States Bankruptcy Court XXXX XXXX XXXX Ohio , Reference number : XXXX, Date : XX/XX/XXXX being reported to on my consumer report by lci consumer reporting and requested a response of the reinvestigation with a full procedure of the process that was taken to complete the investigation within 30 days of that date. 
XXXX I received a response of the reinvestigation via email not certified mail indicating that the investigation has determined that the record is valid, via PACER online public records website and if I don't agree with this website that it would be my job to contact the court and have the record removed myself, which is not how the law works and per the FCRA if they wish to report something on my record they must be able to verify its validity by a person directly related to the furnisher which would be the bankruptcy court. I have contacted the court and provided LCI a letter which states that they can not verify this record. 
XXXX I again requested full procedure of the process that was taken to complete the investigation to which I never received a response. I also sent them a failure to investigate letter in this same email to them. 
XXXX I made a final attempt to contact LCI to yet again a request full procedure of the process that was taken to complete the investigation as they legally have to provide within 15 days of the investigation being complete if the consumer requests to which I have not received any further communication from them since XX/XX/XXXX. My rights as a consumer have been violated multiple times during this dispute and I am demanding that LCI consumer reporting DELETE ALL records in connection with the XXXX XXXX  Bankruptcy United States Bankruptcy Court XXXX XXXX of Ohio, Reference number : XXXX, Date : XX/XX/XXXX. As well as send an update to XXXX to have the record removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
AS STATED ON MY CREDIT REPORT ( REMEDYING THE EFFECTS OF IDENTITY THEFT, ( Page 30 OF 34 # 4-6 ) FROM THE CREDIT REPORTING AGENCIES IT STATES THAT I CAN REQUEST FOR INFORMATION INVOLVED IN IDENTITY THEFT TO BE BLOCKED FROM BEING REPORTED. I AM EXERCISING MY RIGHT TO BLOCK THESE ID THEFT REPORTED ACCOUNTS LISTED. I ATTEMPTED TO REMEDY THIS YEARS AGO BUT WAS IGNORED BY THE CREDIT REPORTING AGENCIES ( EXPERIAN, XXXX ) ( 15 USC 1681 A-AI ) TRANSACTIONS OR EXPERIENCES THAT SHOULD NOT BE INCLUDED ON A CONSUMER REPORT. 
( 15 USC 68 0 2 ) RESPECT TO DISCLOSURE OF PERSONAL INFORMATION EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX I DO NOT WANT THESE ACCOUNTS ON MY CONSUMER REPORT, AND I AM EXERCISING MY RIGHTS UNDER THE FCRA, THAT I DEMAND TO HAVE THESE ACCOUNTS BLOCKED FROM REPORTING ON XXXX, EXPERIAN, AND XXXX IMMEDIATELY. PLEASE REMOVE EFFECTIVE IMMEDIATELY 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