vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with Experian, XXXX and XXXX in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with 3 letters and online disputes through each agency as well. It has been a frustrating experience to say the least.

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 2023-05-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm having a problem with XXXX, XXXX, and TransUnion. I found a mistake on my credit report and I submitted a disputes on XX/XX/2023 and XX/XX/2023. However, XXXX, XXXX, and TransUnion hasn't fixed the issue within the 30-day period which is a requirement by the Fair Credit Reporting Act ( FCRA ). 

Also, XXXX, XXXX, and TransUnion hasn't followed another rule under the FCRA. They kept using the information I disputed without showing it as 'disputed by the consumer ', which the law says they must do. 

On top of all that, XXXX, XXXX, and TransUnion hasn't done its job of making sure the info on my credit report is as accurate as possible, something they're supposed to do according to the law ( 15 U.S. Code 1681e ( b ) ). This means the wrong info is still there, which is hurting my credit score and my financial opportunities.

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 2023-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Notice to agent is notice to principal notice to principle is notice to agent This is to inform the CFPB of some violation that the department of aid advantage has not addressed since the following Dispute with the CFPB in XXXX and XXXX the followings are the account disputed with the CFPB. I would like the CFPB to conduct Consumer redress for those accounts with aid advantage for the following reason for the past eight years I have been carrying this account with the Department of Education. today XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  I have spoken to XXXX XXXX XXXX to get the answers that she promised to give me during our last conversation in XXXX I have mentioned to XXXX XXXX XXXX if she was aware of the public debt of XXXX she totally ignore and never got back to me so today XX/XX/XXXX I got a hold of XXXX XXXX XXXX and ask XXXX XXXX XXXX that why is my account showing negative payments my understandings are the followings 15 USC 1666 ( B ) Timing of payments this information was address was XXXX XXXX today XX/XX/XXXX also I have mentioned to XXXX XXXX that since I have been carrying this account for the past eight years and she has not provided the consumer the contract and the truth in lending act documentation that was required when I dispute it the account with the CFPB she sent me a promissory note without the contract and the truth in lending disclosure documentation, I also have mentioned to XXXX XXXX XXXX that since this account has been transferred from several department I am going to address this information with the department of education and whatever answered I get, I will address this with the CFPB and address it with 18 U.S. Code 1341 fraud and swindler since this account was created I want the Department of Education the department of XXXX XXXX, XXXX, XXXX, XXXX an aid advantage to provide the consumer the damages they have caused since XXXX by sharing my information without no knowledge to the consumer. This information is also addressed in the past with XXXX, XXXX, and XXXX. Please, I am asking the CFPB to enforce that information before my information gets transferred once again. Also, I would like to address the CFPB with the respect that the agency deserves that I am fully aware of what's going on with XXXX XXXX XXXX all caps name. I am an American citizen state national. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following are the accounts that I have disputed with the CFPB. Also, those accounts with AID advantage and all the companies I have mentioned above Are paid as agreed, the following are the accounts I have a dressed and dispute it with the CFPB. 
CFPB XXXX CFPB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: IN

Complaint narrative:
I have contacted XXXX, Transunion, and XXXX about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These XXXX companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX U.S.Code 1681 ( a ) ( 4 ) states the consumer 's right to privacy. 

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, Transunion, and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer. 

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ). 

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Acct # 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 2023-05-12 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: IN

Complaint narrative:
I have contacted XXXX, XXXX, and Equifax about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These three companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX U.S.Code 1681 ( a ) ( 4 ) states the consumer 's right to privacy. 

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, XXXX, and Equifax has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer. 

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ).

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: LA

Complaint narrative:
*See Attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to 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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I ask them to fix these problems listed below. Please note that this is factual information take directly from credit report and these are blatant inaccuracies. 

This is My Name XXXX XXXX. XXXX all of the other Names you list on my report are wrong. Please Delete ALL Names except For XXXX XXXX. XXXX. I Have attached my ID with my Correct Name, please delete any Names that does not match this one above. 

This is My Address XXXX XXXX XXXX XXXX, NY XXXX all of the other Addresses you list on my credit report are wrong. Please Delete all addresses Below except For XXXX XXXX XXXX XXXX, NY XXXX. I Have attached my ID with my Correct address, please delete any address that does not match this one above. 

Current Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX Delete this for inaccurate Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Delete this for Inaccurate FCRA 15 U.S.C 1681 states Consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by CRAs I let you know that the this information on my consumer credit report is Inaccurate and must be deleted. 

Experian Respond that my personal information Does not impact your score at all. I did not ask if it impact my score, I AM SAYING THAT THIS IS INACCURATE. 

It is the job of the Experian to report accurate.

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 2023-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I have not been to the hospital in 6-8 years. I have always insurance during and before that time frame. I have no knowledge of this debt and was never notified I owed any debts. I've never received a letter or call in regards to any debt in this amount. This debt was placed on my credit before sending me any type of notification or itemized bill. This debt was reported to my credit on XX/XX/22 by XXXX XXXX XXXX. The Original Creditor is listed as XXXXXXXX XXXX XXXX in the amount of {$1200.00}. I disputed this debt with the XXXX but the debt remains on my 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 explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: Block, Inc.
State: TX

Complaint narrative:
I transferred my services from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 to XXXX XXXX . The agents from both companies were on the line as well as myself when it was confirmed that my account was closed and number ported to new carrier. The next couple of days I get a charge for monthly bill from XXXX XXXX on XX/XX/2023 on a closed account. For the last couple of weeks I have had claim after claim denied for funds to be returned to card. Boost mobile claims even thought the account was closed and disconnected from their server that Autopay was still pulling funds. On XX/XX/2023 they removed autopay but account was still closed. Boost mobile claims they have no way to refund me the money do to the account no longer being active. Yet it was active to take it but not active to give it back. Every agent of XXXX XXXX had no way of helping me since I am no longer a customer. The Wireless company has advised me to go through Bank connected to card, Which is Cash App/XXXX XXXX XXXXXXXX XXXX XXXX  . I have been around the sun and back about this dispute, my funds are suppose to be secured through the above banks because I have a their debit card. As of XX/XX/2023, I have put in another dispute, and if Cash App actually researchers the transaction they would probably find out what I have within these past 3weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft due to the XXXX breech and it still has an effect on my life to this DAY, and I have had many accounts compromised or opened in my name without my knowledge. Some of the companies have replied and agreed to remove the fraudulent accounts off of my report. I've reached out to XXXX, XXXX and XXXX XXXX MANY TIMES regarding these accounts and they ALL have agreed to remove accounts! I even sent the credit bureaus proof many times and they have the audacity to say its " ACCURATE '' but have removed other fraud accounts which makes no sense to me. 


Many more accounts have been appearing from XXXX and they never follow up to make sure it was me opening those accounts! 

I'm tired and have exhausted all my options I have many police reports, an FTC report, and Letters from these Creditors and yet they're still reporting to my 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 2023-05-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
This is the second complaint regarding the same companies. I filed a complaint in XXXX because the payment for my new car was applied to an account that was already closed. COMPLAINT ID XXXX In XXXX I got my first car with XXXX located in XXXX. When the time for my lease expired and I had to return the car in XXXX, the dealership offered me a new contract for a new car, and I decided to sign a new contract and lease a new XXXX XXXX. But the basis of this new lease was that the dealership was going to take care of any balance left on the XXXX XXXX XXXX car and the next month I would start paying for the new lease ( XXXX XXXX XXXX ). ( Which only makes sense, why would I pay for 2 cars at the same time? ) Because the balance was not paid by the dealership, when I got the new car ( XXXX XXXX XXXX ) and had to pay the first month for my new car, the bank applied the payment towards the old account that should have been closed ( That's what my first complaint was all about ). It's XXXX and the balance for the first car was not paid ( {$460.00} ), and the bank ( XXXX  ) just called me threatening to report my name as delinquent on the credit report again. I would like to have someone to assist me with this.

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I took {$25.00} against my credit card ending in XXXX, in XX/XX/2022. Even though I pay more than that each month in regular payments, the continue to charge me 30.24 % APR interest monthly and claim I now owe over {$67.00} not {$25.00}. They claim that even though Oregon limits interest rates to 30 % that they have the right to exceed this. Also, the supervisor said that Oregon 's interest rate limit doesn't apply to them, and that even though I've more than paid {$25.00} back, they require the entire balance to be paid off in order to clear the {$67.00} which also is charged a separate interest rate in addition to my overall balance interest. So, I'm being double-billed.I took {$25.00} against my credit card ending in XXXX, in XX/XX/2022. Even though I pay more than that each month in regular payments, the continue to charge me 30.24 % APR interest monthly and claim I now owe over {$67.00} not {$25.00}. They claim that even though Oregon limits interest rates to 30 % that they have the right to exceed this. Also, the supervisor said that Oregon 's interest rate limit doesn't apply to them, and that even though I've more than paid {$25.00} back, they require the entire balance to be paid off in order to clear the {$67.00} which also is charged a separate interest rate in addition to my overall balance interest. So, I'm being double-billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: OH

Complaint narrative:
This agency has been reporting an account that has been legally removed from my records. ( Education loan ) has removed all records reporting on my behalf. No agency should be still reporting this information numerous times which is illegal because no loans should be reporting at all under my name

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