vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Care, Inc.
State: AR

Complaint narrative:
I received a medical bill from XXXX XXXX in XXXX XXXX, AR stating that I owe them a total of {$1300.00}. As I was seen in their XXXX Department late XXXX, XXXX. 
The statement did not include an itemized bill for the charges. 
On XX/XX/XXXX at XXXX I called the billing department and spoke in length with a female named XXXX ( not sure of correct spelling ). 

I explained that I was going to pay the bill in monthly installments as soon as I received the itemized bill and reviewed it for accuracy. I requested the itemized bill showing all individual charges. She was very kind and said that she would mail it to me the following day. 
I still have not received the itemized bill per my request. 

On Monday XX/XX/XXXX I called again and this time I spoke with a lady named XXXX and explained the entire situation to her. She said that she could see that I had indeed called on XX/XX/XXXX at XXXX but that it doesn't show what I called and requested. I asked her if their incoming calls are recorded ; to which she replied by saying Yes. 
I asked her if she would please listen to the recorded call to verify that I called and requested an itemized bill and stated that I was going to pay the bill in monthly installments after receiving the itemized bill and verifying the accuracy of the bill. She informed me that they have since turned my account over to a collection agency and therefore can not supply me with an itemized bill. 
Upon further discussion, she said that she would discuss the issue with her Supervisor named XXXX today when XXXX returns from her lunch break and would call me back today. I have not received a call back at all. 

My statement ID is as follows ; XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX My info is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX DOB : XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I purchased a car with the XXXX car dealership and was so eager to buy a new car I did not realize the many violations that occurred at the time of purchase. They failed to properly disclose finance charges ( TILA VIOLATION-15 U.S.C. 1638, all fees were not disclosed before signing. 

I WAS CHARGED FOR WARRANTIES THAT I DO NOT KNOW WHAT IT COVERS OR INTAILS AND DON'T KNOW IF THERE IS AN EXPIRATION ON THAT. 

Unlawful down payment collection- All down payments require all down payments to be clearly disclosed in writing. In addition from reading the contract it seems or its unclear if the downpayment was put in the total amount making interest of the downpayment. They also failed to Provide a Right to Review ( TILA Regulation Z - 12 C.F.R. 1026.17 ) Unfair & Deceptive Practices ( NJ Consumer Fraud Act - N.J.S.A. 56:8-2 ) Adding unwanted extras without consent ( like warranties or unnecessary insurance ) is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc.
State: WA

Complaint narrative:
I didn't know I had this medical debt until it showed up on my credit report. I don't even reside in the state of Michigan anymore, I've changed my address, and haven't received any mail about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am writing to dispute the following credit inquiry that appears on my credit report. I believe this inquiry was made without my authorization, and I am requesting it be immediately removed under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I did not provide authorization for this inquiry, nor did I initiate any transaction or credit application with this entity. As this inquiry was made without my consent, I request that you promptly investigate the validity of this inquiry and remove it from my credit report as required by the FCRA. 
Under the FCRA, I have the right to dispute any incorrect or unauthorized information on my credit report. I expect this matter to be addressed in a timely manner and for the inquiry to be removed within the 30-day period outlined by the FCRA. 
Please provide me with a written confirmation that the inquiry has been removed from my credit file, or let me know if additional documentation is needed to resolve this matter. 
Thank you for your attention to this urgent request. I look forward to your prompt resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wellsfargo purposely delaying incoming wires and check deposits and intentionally causing account to overdrafts.

I request my business account to be reviewed by a 3rd party. 

my account number is 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX TRANSWORLD SYSTEMS INC I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX if you fail to comply with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MN

Complaint narrative:
I disputed a collection account with TransUnion, and the dispute was resolved in my favor. However, they are still reporting this collection, which is a violation of the Fair Credit Reporting Act ( FCRA ). This is negatively impacting my ability to obtain credit, and I demand immediate removal. Please take action immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. I have attached a copy of my police report/FTC identity
theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly.

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove 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 2025-03-10 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: Incomm Holdings Inc.
State: NY

Complaint narrative:
In XX/XX/2024, I purchased a personal computer for {$1600.00} ( XXXX ) from XXXX. After nine months of use, in XX/XX/2024, the PC began experiencing severe overheating issues with the CPU. I contacted the XXXX 's manufacturer, XXXX, who advised me to send the PC in for repairs. Upon inspection, XXXX determined they could not fix the issue and processed a refund through XXXX, their service partner. In XX/XX/2024, XXXX issued a prepaid card for the refund amount via XXXX. Upon attempting to use the card, I discovered it was placed on hold. I contacted XXXX customer service many times, each call lasting approximately 25 minutes. Last call, the representative informed me that my card had been compromisedwhich is completely false. They are clearly lying, refusing to release my refund and passing the buck around .Despite these efforts, no resolution was provided, and I have been unable to access my {$1500.00} refund for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX account has been closed since XX/XX/year>, the original amount listed on my credit report is {$14000.00} this was a voluntary repossession i gave the car back because the cars condition wasnt going to last me the term of the loan the car had a bad motor and i reported that to both the loan company and the dealership the first 3 days of financing. since i have given the car back they sold the car againat an auction. they wanted me to pay the remainder of what wasnt paid at the auction for XXXX dollars. the loan remainder has been passed two different companies since then XXXX is no longer in charge of this balance and that is what is being shown on my credit report. i have disputed this situated many times and all XXXX does is update remarks on my credit report but they no longer own the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX account has been closed since XX/XX/year>, the original amount listed on my credit report is {$14000.00} this was a voluntary repossession i gave the car back because the cars condition wasnt going to last me the term of the loan the car had a bad motor and i reported that to both the loan company and the dealership the first 3 days of financing. since i have given the car back they sold the car againat an auction. they wanted me to pay the remainder of what wasnt paid at the auction for XXXX dollars. the loan remainder has been passed two different companies since then XXXX is no longer in charge of this balance and that is what is being shown on my credit report. i have disputed this situated many times and all XXXX does is update remarks on my credit report but they no longer own the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation