vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: Synovus Bank
State: AR

Complaint narrative:
This account does not belong to me and I would like for it to be removed from my XXXX, XXXX XXXX XXXX Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX AR, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
I received calls from this organization ( McCarthy Burgess & Wolff ) from as early as XX/XX/year> to now ( i.e. XX/XX/year> ), claiming that I owed money to XXXX from an unpaid bill. After I gave them my financial information in XXXX ( which included my card details ), which then resulted in an amount of {$77.00} being taken from my checking account, I realized later on that I very well might've fallen for a phone scam ( this being after I researched the company online ). After freezing my old debit card and talking with a XXXX XXXX, I was told that I did not owe money to them from a previous independent account I had with them, therefore confirming that I was indeed scammed. 

I've had to freeze my old debit card with XXXX, put in for a new one twice ( in which I finally received my new card today, XX/XX/year> ), and had to file a complaint with XXXX to get my money back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am trying to access my account on experian but everytime i try to login in it denies me access due to wrong sign in I formation. I try to reset my password but it keeps wanting me to use a number i have no access. I tried to create another account but i am not allowed to use the email as my username despite it being brand new.

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 2024-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: LA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-17 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: LA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
Re : Complaint Against Landlord for Failure to Fulfill Lease Agreement Obligations Dear CFPB, I am writing to file a formal complaint against my landlord regarding their failure to fulfill the obligations outlined in my lease agreement for the property located at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, AR XXXX. 

According to paragraph 32 of my lease agreement, the landlord is responsible for maintaining the premises in a habitable condition, including making all necessary repairs in a timely manner. Specifically, the lease states that the landlord must act with customary diligence to keep common areas reasonably clean, maintain fixtures, furniture, hot water, heating and A/C equipment, comply with applicable federal, state, and local laws regarding safety, sanitation, and fair housing, and make all reasonable repairs. 

In early XXXX, I reported a significant leak in my apartment that led to unhealthy mildew growth. Despite my repeated requests for repair, the problem has not been adequately addressed. Here is a summary of the events : XX/XX/2021 : I noticed the entire closet was wet. I submitted a work order on XX/XX/2021. 
XX/XX/2021 : Maintenance inspected the issue, used a wet vac, and replaced the air filter. They informed me that I would need to continue making service requests whenever the unit backed up again. 
Later that week : I contacted the front office to report that the carpet was even wetter and the water was spreading into the bedroom, damaging furniture and clothes. 
XX/XX/2021 : Maintenance returned, used the wet vac again, but the problem persisted. 
Due to these unresolved issues, I have been forced to inhale unhealthy mildew, which is particularly concerning given my underlying health conditions. Additionally, I have been unable to use the dryer hook-up due to faulty wiring, which management disclosed only after I moved in. The landlord also increased the rent without providing the required 30-day notice before renewing my lease. 

Per the lease agreement, I provided written notice of my intent to terminate my tenancy due to the landlord 's failure to make necessary repairs. I notified the landlord on XX/XX/2021, of my intention to vacate and return the key on XX/XX/2021. 

Despite my compliance with the lease requirements for reporting the issue and giving notice, the landlord has failed to address these serious habitability issues. I am requesting the CFPB to intervene and hold the landlord accountable for their negligence and failure to uphold the lease agreement. 

Please find attached copies of my lease agreement, written notices, and any other relevant documentation. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: LA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-17 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: MT

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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:
( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that XXXX or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section XXXX ( b ) ( XXXX ) or the circumstances described in section XXXX ( b ) ( XXXX ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 

My name is not 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 XXXX XXXX XXXX XXXX XXXX Bankruptcy

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 2024-06-17 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: NV

Complaint narrative:
I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with Metro 2 standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 



Your immediate attention to this matter is non-negotiable. Act swiftly.

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 2024-06-17 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: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldous & Associates, P.L.L.C. 

Subject : Pre-Arbitration Notice Dear Aldous & Associates Customer Service Department, I am writing to formally notify Aldous & Associates, P.L.L.C. of my intent to seek arbitration under the terms of our agreement. This pre-arbitration notice addresses a fraudulent collection account that has been placed on my credit report. 

Despite my efforts to resolve this matter directly, including sending a police report and government ID proving my residence, the issue remains unresolved. The collection account in question was allegedly mailed to an address that is not mine and has never been my residence. Consequently, not only is the debt invalid, but it is also fraudulent. 

Under 15 USC 1692B ( 2 ), a debt collector is prohibited from disclosing to third parties that I owe a debt. Additionally, according to 15 USC 1692E ( 3 ), a debt collector can not falsely represent the character, amount, or legal status of any debt. Further, per 15 USC 1692C ( 2 ), a debt collector must cease communication if I notify them in writing that the debt is disputed. Your failure to address the dispute violates these provisions. 

Given these serious issues, I am seeking the following remedies through arbitration : - Immediate removal of the fraudulent collection account from my credit report.

- Compensation for any financial harm and damage to my credit score resulting from this fraudulent account. 
- Assurance that such errors will be prevented in the future. 

I request that Aldous & Associates respond to this notice within 30 days to resolve these issues amicably. Failure to respond or to provide satisfactory resolution will leave me no option but to proceed with arbitration as stipulated in our agreement. 

Please direct your response and any relevant correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
On XX/XX/year> I received a notification from TransUnion that I have a inquiry on my credit report that I did not authorize nor did I give the company concent to pull my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently reviewed my credit report and found and error on my report. I had XXXX late payments on an account that was in fact on time. This account has never been late, I have contacted the company and they reversed the late charges. I have attached the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I am exercising my right to have these accounts, which are inaccurately reported on my credit file, disputed and investigated. The Fair Credit Report Act stipulates that I should be awarded {$1000.00} for each false report. I recognize that FCRA 605B requires reporting any incorrect accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: CA

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 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 2024-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I canceled my service with XXXX a month before they charged me in which my balance was XXXX XXXX I told them to cut off the service in which they did and the representative told me I dont need to worry about the services and I shouldnt be getting charged for anything as long as I return the equipment in which I did. I switched because I didnt need to pay XXXX $ to a cable company since spectrum was offering cheaper services. They continued to charge me all the way till XXXX when I canceled in XXXX and then put me in collections after I called XXXX. This had ruined my life completely because I have been denied for so many loans and credit cards and it affected my life negatively because my interest rates would go up as well as my insurance rate and tarnished my relationship with the bank. They Closed my accounts with XXXX  XXXX XXXX and XXXX and I cant ever open a bank account with them ever again and they didnt disclose a reason as to why.

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