vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: FL

Complaint narrative:
I have disputed the charges on my credit report by Amerifinancial solutions LLC with all Ameri financial solutions LLC and all3 credit bureaus XXXX XXXX, XXXX, XXXX, numerous times. The first time I asked for verification of the debt being mine, they sent me typed up invoices claiming to be from my original provider. This one had only two amounts on their reply. I disputed again because the two accounts have the same amount of {$1000.00}. I said they were duplicate accounts and to remove them from my credit report they replied with the above reference to accounts our emergency room physician bill as the facility hospital and physician provider XXXX separately attached to service details for each account, which should enable you to understand the nature of services rendered and to ask why I thought the amounts were wrong. Those again are just typed up on the computer their computer you can tell because my name is different than what my provider uses. Its meant to look like the original invoices, but its not you can tell and after seeing that I did a lot of digging and its taking me a while, but I found it one I have never been billed for the date of service of XX/XX/year> from my original provider. I have the original invoices from my original provider, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I also have Amerifinancial solutions LLC replies to my disputes. I also have paid invoices from my original provider, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing that I, the patient, paid along with insurance. When I disputed the amount were wrong, they reply was the balance indicated on the statement of accounts may show XXXX because the account balance has been adjusted to our office XXXX XXXX  has confirmed that are with our client. The debt is due and owing at the time I had a {$66.00} balance which has since been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: 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.

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 2025-01-11 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: TX

Complaint narrative:
I respectfully request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX/TransUnion credit reporting agency block all accounts , collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within four ( 4 ) business days of receiving this complaint. 

I kindly ask that all written confirmation regarding this matter be sent to me via email at XXXX. 

Thank you for your prompt attention to this request.

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 2025-01-11 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX XXXX XXXX XXXX charge-off account in the amount of {$36000.00} from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/year>. As a result, the account was deleted from my XXXX credit report. XXXX decision to remove this account indicates that it is unverifiable, and as such, I am requesting your agency to do the same in compliance with federal consumer protection laws. 

Under Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that all information included in consumer credit files is accurate, complete, and verifiable. Since XXXX deleted this account due to its unverifiability, you are now obligated to remove it as well. 

Furthermore, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it must delete the information from the consumers credit report. I urge you to conduct a prompt investigation and remove this account from my credit file within the legally mandated timeframe. 

Failure to comply with this request may result in legal action. FCRA 616 and 617 provide consumers with the right to sue credit reporting agencies that fail to uphold their obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to ensure fair practices. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. If you believe the information is accurate, please provide me with documentation substantiating its validity. However, if no such verification is provided, the account must be removed immediately. 

If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been removed.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor any such debt in fact therefore exists. ( please REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Please remove these inquiries 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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went online and ordered a platinum secure debit card. Capital one never reached out to me and I noticed weeks have went by. I call Capital one and they said I need to prove who I am because of a fraud alert on my name. I did everything and proved that I am who I said I was and they agreed and still wouldnt send me my card. I called again and they gave me a second round of lies and made me resubmit everything again and I did. Then another month go past and I said I just want my deposit return as they agreed. They promised that the deposit will go back into my account in 3 business days. I called back in a week and said I never received my refund and they said they mailed me a paper check. Weeks go past and I called and they said that I have a different mailing address that is on file but mind you they verified my address and all my information all in the same paragraph. I was blown away with this and I asked to speak with a supervisor and I did. She lied and talked around me and promised another 10 days that my refund will be in my mail. 3 weeks go by and now theyre just yelling at me because Im explaining how I been lied to by staff and why will they not return my deposit. I was hung up on and constantly lied to and now months has past and Im still being treated so so so unfairly by this bank I cant believe this and some employees that work there keep apologizing but sent me back to a previous supervisor that again lied and hung up on me cause the call was taken to long and she didnt want to talk any more. Please I want to sue them and I need this to be addressed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like a current copy of my credit report and that you remove any freezes or Fraud Alerts from it. 
Under the FCRA, I can get a free copy of my credit report every seven days. 


Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome. 

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



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 2025-01-11 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2025-01-11 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information on my credit report. The following inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : Improper Investigations : The information in question appears to have been verified using unreliable, improbable, or illogical methods. 
Ambiguous and Incorrect Data : When I previously disputed this information, the responses provided were confusing, ambiguous, and inconsistent. 
Reinsertion of Inaccurate Data : The same inaccurate information has been reinserted into my credit report without proper notification, violating FCRA guidelines. 
I kindly request the following : Remove all the inaccurate information permanently from my credit report. 
Provide a written explanation of the investigation conducted to verify the disputed item. 
Ensure compliance with FCRA regulations to prevent future reinsertion of inaccurate information.

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 2025-01-11 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information on my credit report. The following inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : Improper Investigations : The information in question appears to have been verified using unreliable, improbable, or illogical methods. 
Ambiguous and Incorrect Data : When I previously disputed this information, the responses provided were confusing, ambiguous, and inconsistent. 
Reinsertion of Inaccurate Data : The same inaccurate information has been reinserted into my credit report without proper notification, violating FCRA guidelines. 
I kindly request the following : Remove all the inaccurate information permanently from my credit report. 
Provide a written explanation of the investigation conducted to verify the disputed item. 
Ensure compliance with FCRA regulations to prevent future reinsertion of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I purchased a vehicle from a local buy here, pay here car lot. Interest was added when car was financed at point of sale. Said car lot then sold my account to American Credit Acceptance. American Credit Acceptance is trying to add 29 % interest on the remaining balance left on the car. I have my paperwork from the car lot which clearly shows the remaining owed balance with interest. I have not agreed to any refinancing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: SC

Complaint narrative:
My personal information was conscated during XXXX breach and a cyber attack an I have noticed my personal information bein used to apply for credit and was not authourized 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 non-monetary relief
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of an XXXX XXXX  charge-off account in the amount of {$23000.00} from my credit report. This account, which I previously disputed, was deleted from my XXXX credit report following their completed investigation on XX/XX/year>. XXXX deletion of this account confirms that the information is unverifiable, and as such, you are obligated to do the same under federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. Since XXXX has determined that this account can not be verified and has removed it entirely, it is now your responsibility to reflect this deletion on my credit report. 

The FCRA also protects consumers by mandating that unverifiable accounts be removed. Under FCRA 609 and 611, credit reporting agencies must delete any information that can not be confirmed as accurate within 30 days of a dispute. I urge you to investigate this matter promptly and remove the XXXX XXXX account from my credit file within this time frame. 

Should you fail to comply, FCRA 616 and 617 provide me with the right to take legal action against any credit reporting agency that fails to meet its legal obligations. Non-compliance with this request may result in legal action to seek damages for inaccurate reporting and failure to adhere to federal law. 

For your convenience, I have included a copy of my XXXX credit report confirming the deletion of this account. I request that you provide written confirmation once the account has been removed or provide documentation substantiating its accuracy and validity if you choose not to remove it. 

If this issue is not resolved within the legally mandated 30-day period, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: WV

Complaint narrative:
I have disputes this debt through the WV attorney generals office, requested an itemized bill because I have never received a bill from this company, they could not do it, the one they sent I contacted the company in question and the company said the account numbers are not what they use, and according to my SS I don't owe this company anything, they quit responding through the WV attorneys general office, and deleted the debt, 3 months later posted debt under other collection company, I then disputed debt through cfpb they responded, said they would put in for a delete, it went away for another 3 months, then it reposted again under a different collections company, I disputed it through cfpb once again the replied they were deleting the debt from collections went away for 3 months and now it is back again, how can you being a government facility let this company scam me this way, I am considering legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: V and H Portfolio
State: TX

Complaint narrative:
I have disputed with XXXX two accounts that was not mine provide identity theft form also police report and is till on there no results have been to me I would like for this information to be deleted is causing my credit to drop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: MD

Complaint narrative:
I ask XXXX  to dispute account thats unauthorized by me. I sent identity theft paper in and everything they need to kno I dont own what in my credit report and they keep sending it in as verified also address that I never stay they wont delete them as well.. 


Same with 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 2025-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On Saturday XXXX at approximately XXXX XXXX  XXXX, I contacted JPM on XXXX to report fraud related to XXXX and someone representing themselves as a JPM employee by the name of XXXX XXXX JPM employe ID # XXXX  XXXX. The initial customer service representative would not take my complaint because I did not have an account #. I stated I wanted to file a formal complaint and requested to be transfer to a supervisor for fraud complaints. This is a concern as it may deter/prevent legitimate consumer complaints, under-estimate JPM level of complaints, mis-represent the effectiveness of JPM 's complaint process and fraud risk management controls, expose consumer to fraud loss and expose JPM to elevated fraud risk and loss. I requested my complaint to be escalated. The call was transferred to a Supervisor by the name of XXXX. I provided her the information related to a call that I received from someone representing themselves as a JPM employee named XXXX XXXX ID # JPM XXXX. He was calling regarding two XXXX transactions, 1 ) {$1200.00} and 2 ) {$1500.00} with payment to XXXX XXXX XXXX in XXXX, NY. The fraudster had multiple pieces of personally identifiable information : first/last name, address, city, state, zip, and mobile #. He provided me a Case # XXXX and cancelation # for 1 ) {$1200.00} - # XXXX and 2 ) {$1500.00} - # XXXX. I was transferred to another person named XXXX XXXX a fraud support supervisor, who attempted to get more information from me. At that point, I terminated the phone call and contacted JP Morgan fraud. XXXX the JPM supervisor informed me my contact and conversation with her would be treated as a formal complaint. I provided her my contact phone numbers if JPM need follow-up information.

Company response to consumer: Closed with explanation