vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: Collection Bureau of Fort Walton Beach, Inc
State: NC

Complaint narrative:
In response to the documentation you provided regarding the alleged debt owed to XXXX XXXX XXXX XXXX. 

. While I appreciate your response, the documentation you submitted does not verify the debt as required under the Fair Credit Reporting Act ( FCRA ). I am requesting further verification or immediate removal of this account from my credit report if such proof can not be provided. 

After reviewing the documents sent to me from you all, this information does not satisfy the requirements to verify the debt under the FCRA Section 611a. 

The specific information needs to be provided : : XXXX. The lease agreement provided is incomplete. Please provide a FULL and SIGNED lease agreement that includes the full terms and my signature. 
XXXX. The photos and charges do not definitively show my responsibility for this debt, and further clarification is needed to show that the charges were properly applied. 
XXXX. The ID provided is not my name, which raises concerns about the accuracy of this information and whether it is connected to this alleged debt. 

Under the FCRA, you are required to provide COMPLETE documentation proving that I am indeed responsible for this debt. If you can not supply full proof of this debt ( including a signed lease agreement, full documentation of charges, and proper identification ), I demand that you immediately cease all collection activity and remove this account from my credit report. 

I have also filed complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. If this dispute is not resolved. I am prepared to take further legal action to protect my rights under the FCRA and any applicable consumer protection laws. 

I expect to hear from you with confirmation that the debt has been removed or a COMPLETED and thorough verification of the debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: I.C. System, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX -Notarize signed letter asking for Method of Verification XXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXX XXXX my report states the XXXX XXXX XXXX balance was XXXX dollars open on XX/XX/XXXX and updates on XX/XX/XXXXXXXX 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws.

Despite two written requests, letters dated and delivered on : XXXX the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX  Account was added XX/XX/XXXX and a balance of XXXX  then was CHANGED and went DOWN TO XXXX. HOW was this method verified.

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 2024-10-09 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking- Debt Final Rule 1002.142 ( B ) - ( 5 ) -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX Accept, XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries as follows : XXXX A, 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 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX I received a written check from my dentist for an overpayment for services, for {$22.00}. The check was issued from XXXX Bank. On XXXX I looked up XXXX 's schedule of fees, which stated there is a {$10.00} charge for checks over {$50.00} being cashed by a non-BMO customer. I proceeded to go to the BMO Harris Bank at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and was told there would be a {$10.00} fee to cash the check. The check was below {$50.00} as described in their publicly posted schedule of fees.

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 2024-10-09 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : 1. Last Reported : XXXX and TransUnion both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : Transunion has a different account number, while XXXX and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o TransUnion : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and TransUnion both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the XXXX and TransUnion reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to TransUnion and how XXXX should have reported the high credit, this requires a correction as well. 

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, 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 2024-10-09 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and TransUnion both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference XXXX not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : Transunion has a different account number, while XXXX and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o TransUnion : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and TransUnion both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the XXXX and TransUnion reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to TransUnion and how XXXX should have reported the high credit, this requires a correction as well. 

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, 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 2024-10-09 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-09 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: EdFinancial Services
State: SC

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I am writing to formally submit a complaint against Chex Systems for violating Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ), which outlines specific rules concerning the treatment of consumer reports for survivors of XXXX XXXX. Under this provision, survivors of XXXX XXXX are entitled to have negative information related to their XXXX  experiences removed from their credit reports.

Despite my clear request and supporting documentation provided to Chex Systems under FCRA Section 605 ( c ), Chex Systems has failed to comply with federal law by refusing to remove the negative information on my report that stems directly from my XXXX XXXX situation. 

This non-compliance not only violates federal law but also continues to cause harm to my financial well-being by denying me access to basic financial services. Chex Systems failure to adhere to the FCRA is unacceptable and exacerbates the challenges survivors of human trafficking face when attempting to rebuild their lives. 

I respectfully request the CFPB to investigate Chex Systems conduct in this matter and take appropriate enforcement action. Specifically, I urge the CFPB to require Chex Systems to comply with FCRA Section 605 ( c ) by removing the inaccurate and harmful information from my report and to ensure they establish better compliance mechanisms for handling similar requests in the future. 

Please inform me of the actions the CFPB will take regarding this complaint, and if further documentation is needed, I am happy to provide additional materials. 

Thank you for your attention to this matter and for your commitment to ensuring that financial institutions comply with federal consumer protection laws.

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 2024-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
XXXX RECEIVABLES MGMT CORP XXXX {$4500.00} Balance updated. 
XX/XX/year> I am filing a complaint regarding unauthorized reporting of a medical debt on my credit report which does not belong to me and constitutes a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPPA ) and Fair Credit Report Act ( FCRA ) On XX/XX/year>, I discovered that Receivables MGMT CORP reported a hospital bill to the credit bureaus ( XXXX, XXXX, and XXXX ) in the amount of {$4500.00} from XXXX XXXX XXXX XXXX. I have never received any medical services from this hospital, and this debt does not belong to me. 

Upon further investigation, I believe that the reporting of this hospital bill violates HIPAA, as the disclosure of my protected health information ( PHI ) to the credit reporting agencies was done without my authorization. Additionally, this incorrect information has negatively impacted my credit score, causing unnecessary financial harm.

Violation of HIPAA : According to 45 CFR 164.502, covered entities, including healthcare providers and their business associates, must obtain patient consent before disclosing PHI, including information related to medical debts. The improper sharing of my PHI to credit bureaus, especially for a debt that is not mine, constitutes a clear violation of HIPAA 's privacy provisions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I found some errors on my credit report, which are regulated by 15 USC 16c-2, and I believe these inaccuracies are negatively impacting my credit score. The hard inquiries shown were not authorized by me.

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 2024-10-10 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: IL

Complaint narrative:
XX/XX/XXXX -Notarize signed letter asking for Method of Verification XXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXX XXXX my report states the XXXXXXXX XXXX XXXX balance was XXXX dollars open on XXXXXX/XX/XXXX and updates on XX/XX/XXXX. 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws.

Despite two written requests, letters dated and delivered on : XXXX the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX Account was added XX/XX/XXXX and a balance of XXXX then was CHANGED and went DOWN TO XXXX. HOW was this method verified.

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 2024-10-10 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: IL

Complaint narrative:
XX/XX/XXXX XXXXNotarize signed letter asking for Method of Verification XXXXXXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXXXXXX XXXX XXXX my report states the XXXX XXXX XXXX balance was XXXX dollars open on XX/XX/XXXX and updates on XX/XX/XXXX. 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws. 
Despite two written requests, letters dated and delivered on : XXXX the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX  Account was added XX/XX/XXXX and a balance of XXXX then was CHANGED and went DOWN TO XXXX. HOW was this method verified.

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