vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


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 explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. 

On XX/XX/ a cfpb complaint was submitted for validation of documents, on XX/XX/ the company responded but did not provide any documents that i asked for. This must be removed from my credit report because they couldn't validate. 
( Chain of custody ) ( Purchase agreement ) ( Swear under penalty and perjury you were present during the alleged debt ) ( Master Bill of Sale )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX  XX/XX/XXXX {$180.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$180.00} These were all disputes when the XXXX XXXX XXXX was cancelled XX/XX/XXXX, since the convention was cancelled the company did not provide services. 
The company also promised full refunds asap & now here we are FOUR months later still none - so therefore the credit card company should be working harder. 
I have attached the cancellation notice of the event & the responses to my disputes from Barclays who claim insufficient proof that the merchant has violated the invoice/contracts terms and conditions.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: SD

Complaint narrative:
Dear Sir/Madam, I am writing to make a formal complaint about my credit report. As a natural person, I have rights under 15 USC 1681, and I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act. I demand that the accounts listed below be deleted immediately, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : XXXX XXXXXXXX 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 XXXXXXXX These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681, and they have violated my rights several times.

In accordance with the Fair Credit Reporting Act, I demand that the accounts listed above be deleted immediately. Section 602 A of 15 USC 1681 states that I have the right to privacy, while Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, Section 1681c. ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse information other than records of convictions of crimes which antedate the report by more than seven years. Finally, Section 1681s-2 ( A ) ( 1 ) prohibits anyone from furnishing any inaccurate information relating to a consumer to any consumer reporting agency.

I would appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Dear Sir/Madam, I am writing to make a formal complaint about my credit report. As a natural person, I have rights under 15 USC 1681, and I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act. I demand that the accounts listed below be deleted immediately, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681, and they have violated my rights several times.

In accordance with the Fair Credit Reporting Act, I demand that the accounts listed above be deleted immediately. Section 602 A of 15 USC 1681 states that I have the right to privacy, while Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, Section 1681c. ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse information other than records of convictions of crimes which antedate the report by more than seven years. Finally, Section 1681s-2 ( A ) ( 1 ) prohibits anyone from furnishing any inaccurate information relating to a consumer to any consumer reporting agency.

I would appreciate your prompt attention to this matter. Thank you for your cooperation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Equifax & XXXX To Whom It May Concern : I recently asked you to verify the information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in Question : Bankruptcy On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX I sent you a notice that your process was not valid due to my going directly to the company ( US Bankruptcy Court, XXXX, TX, and XXXX ) and either they do not report to Consumer Reporting Agencies or they are not reporting the alleged bankruptcy that you indicated in your correspondence dated XX/XX/XXXX, and the information being verified XXXX XXXX XXXX Your attached correspondence shows that you replied that the alleged bankruptcy was verified via XXXX and stated that my dispute was resolved without sending me any documentation or proof of an actual investigation. 

I am aware that per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point, you have been granted that time. This is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

I have enclosed their letter for your inspection. Please delete this unverified information as you may have mixed/merged my credit file. 

The OCR and E OSCAR verifying this information is not recognized as proper validation! If this information isn't removed from my consumer report immediately. My rights as a consumer indicate below. 

You are required to provide me with actual documentation of verification or... 

Remedies for Fair Credit Reporting Act Violations If any of these three types of entities ( credit reporting agency, information supplier, or user ) violates the rules in the FCRA, you might be able to sue them in state or federal court for damages. 

The FCRA lets you sue a credit reporting agency ( or another person or entity that violates the law ) for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the violation, whichever is sooner. 
Please mail me an updated copy of my report once the bankruptcy is DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Between XX/XX/2023, and XX/XX/2023, Experian allowed a dispute to be added to my credit report file by XXXX XXXXXXXX XXXX against my will and was not authorized or disputed by me. This statement by XXXX XXXX has affected my credited worthiness and has harmed my ability to receive credit from other lenders. 

The account was Charged-off and there is no Account #. The amount is for {$1500.00}. If Experian has proof of this dispute received from me, please forward it with your response to this complaint.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordamce with the Fair Credit Reporting Act. The list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XXXX : XXXX, 15 USC 1618 Section 602 A States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) sections states : NO consumer reporting agency may make any consumer report containing any of the followings items of information. Any other adverse items of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 USC 1681 Section 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. Who verified such information as accurate.

I will need to be provided original contracts with my wet signature of all accounts that are deemed verified and accurate. I will also need names of people who investigated all items listed above as I will be suing for compensation for damages these false and inaccurate investigations have caused to me as it is a direct violation of my consumer rights. Please be prompt in handling this matter as this is my last attempt to rectify this before seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
I contacted the agency back on end of XX/XX/XXXX to verify debt. I told them I didnt think the debt was mind because the address used at the time I hadnt lived there in a year. I specifically asked for something showing my signature on it to prove that debt owed was mine and they told that wouldnt be a problem. I then contacted them again in XX/XX/XXXX and they said they had sent me a letter which they claimed verified debt but in the letter there was not my signature or any other signature just a doctors name from the emergency room. So I called again to say which is XXXX XXXX XXXX and they said XXXX a supervisor would contact me in 7 days and it has already been 90 days the date of delinquency is XXXX and the other Is XXXX I asked them if that can at verify debt to remove the debt from my credit profile and they havent. Fox collections is the name of the Agency and one debt is for XXXX and the other is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo bank currently has a case for fraudulent activity. Loan in XXXX. This loan had a higher than normal fees. Mortgages were modified without permission. In 13 years the balance on this mortgage did not budge, I believe there was some illegal activity with this mortgage loan.

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 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Under the new regulations that came into effect on XXXX XXXX, XXXX, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. The notice of debt was not received and/or the original letter does not give hardly any information about the debt, does not mention that you can dispute, and does not comply with Regulation F.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 

Personal Information is attached on my FTC Report Telephone Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Data XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED APPLIED BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As well as any Inquiries that have been reported within the last XXXX Please understand I can only list from the file which I received from XXXX, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. 

I demand XXXX to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, You are Required to remove and block these transactions from being reported to my consumer report within 4 days. 

I advised XXXX to make sure they have my expressed written or verbal consent before reporting any personal or private info. 


Police Report Case # XXXX FTC Report Attached Notice of Furnishers w/FCRA Laws Attached

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately. 

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in this matter. 

Sincerely, 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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i opened a account around a month ago and they froze my account and told me i need to come down to the bank with 2 forms of ID i don't live near the bank and they won't let me verify it any other way so i want to close the account as i have money in it. they won't let me close it or do anything until i come down

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In Accordance with the Fair Credit reporting Act XXXXXXXX XXXX Account # XXXX has violated my rights.

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 : II also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation