vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
On these date, this company opened theses collections XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ I never signed and written document saying I owe these debts to this collector. 
They are violating my rights of the FCRA and my Hipaa rights as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe these debts to these alleged company. 
Please have all these removed from all 3 credit bureaus. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/22 at the XXXX branch wwe deposited with a teller $ XXXX into our business checking account using two checks each for $ XXXX. One check we deposited from XXXX was misplaced by Bank of America upon deposit and therefore never credited to the account. Upon asking the bank what happened, they incorrectly told us the check was titled incorrectly and not deposited. Upon further research from Bank of America, they then proceeded to tell us they have no record of the check being deposited and do not even have a imaged check. The branch manager XXXX XXXX was the one who gave us incorrect information about the check being addressed incorrectly. We had to find out out from the customer service line the check was never deposited. We then told BofA we need a indemnity letter signed by them from XXXX. We gave BofA the information for who to speak with at XXXX to receive an official draft to sign. BofA proceeded to sign a unofficial draft and deliver back to me which would not work. Upon asking BofA to communicate with XXXX, they indicated they could not communicate with anyone outside of their organization. Although they lost our check and our business is running low on funds, they have been of no help in trying to get us our funds recovered.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019

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 2022-05-19 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: DISCOVER BANK
State: GA

Complaint narrative:
This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 60 days and they have yet taken any action to correct the mistake. They are supposed to report accurately to the Credit Reporting Agencies but theres information by LAW thats supposed to be EXCLUDED! Late or missed payments are one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America stated that I had opened an account in XXXX I never did I was homeless in XXXX with no income. I just started receiving income via Social Security XXXX. In XXXX my account was compromised and now my balance is negative {$290.00} because they did a reversal credit stating that I was the one that made those transactions. Then XX/XX/XXXX I received an alert that XXXX XXXX had taken {$15.00} from my account I don't even have a XXXX XXXX account. The card that was used to take the money out of my account was the old debit card ending in XXXX that card was compromised and they issued me another card but yet they still are blaming me. Someone withdrew money from an ATM or somewhere and they're saying that I did it. I'm on a fix and come and prior to them meaning Bank of America I had XXXX XXXX I did not have Bank of America. I also had XXXX XXXX  and XXXX XXXX prior to XXXX XXXX. The people in the fraud department did not do no investigation. I had to get new health insurance I had to get a new phone I had to get a new email address and all because my account was compromised via XXXX XXXX and now it's happened again and Bank of America are accusing me. The guy that I spoke with at the fraud department stated it was denied and the credits were reversed because they said the card was in my possession but the card was not in my possession I clearly spoke to the representative and told them that and she was supposed to reopen the case she never did it's lie after lie after lie and I'm sick of it. XXXX XXXX did indeed refund me back my money. They apologize because they realize it was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : account not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/2016 Balance {$1300.00} Status Account charged off.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter Finance has reported delinquent, negative accounts on my credit file that's an open, revolving account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg 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 crime which antedates the report by more than seven years. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg 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 crime which antedates the report by more than seven years. 
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 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

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
FCRA violations : account not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$1300.00} Status Account charged off.

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 2022-05-19 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: TX

Complaint narrative:
FCRA violations : account not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$1300.00} Status Account charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my consumer report and I noticed numerous fraudulent and inaccurate accounts.

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 2022-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 2022-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
This complaint is in reference to Credit Control R # XXXX. I received a letter stating that I was referred to collections for an account I am not aware of, is currently not on my credit report and allegedly became delinquent 9 years ago. This is the second company with my PII and attempting to collect a debt that is not mine. I am disputing this outrageous defamatory, reckless and harassing claim that has put me under emotional distress. I do not recognize the debt they are referring to and it is outside of the statute of limitations, both State and Federal. I fear that this institution will report a debt that does not belong to me which would damage permanently my high credit score. I am contacting legal counsel for advise and please be advised that if my outstanding credit history and credit score are affected by this company and their abusive letter, I will seek restitution, and compensation for material damages as a result of injury to my credit, furthermore, I will seek compensation for undue stress, pain and suffering, and will further refer this to regulatory agencies to investigate potential FCRA, FDCPA non compliance by this company that is currently harassing and threatening me with unfounded claims. Please note that not only the claim is false and borderline slanderous but it is predatory in nature as they are attempting to collect XXXX for an alleged debt of XXXX. Furthermore the letter sent to me is not compliant with the required disclosures as mandated by NY State. Please note that I attempted speaking with them and they refused to talk to me unless I gave them my DOB and SSN. They are not my financial institution and will not get PII that could expose me to ID Theft. The first rep was arrogant and rude, he hung up on me ; the second one an alleged manager was more cordial but still non cooperative. All this can be evidenced in the call recordings from XX/XX/2022 at XXXX and 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 explanation
Consumer complaint received 2022-05-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). USAA is in violation of 15 USC 1692a ( 2 ) and 18 USC 894.

USAA knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ).

15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned. 

USAA does not have my permission in writing or verbally to report information on to my federally protected consumer report. 

I have informed the CEO several times of their fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXXXXXX XXXX  collection agency is reporting debts on my credit report that are too old to report. They changed the opened dates to recent dates which is not truthful.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to XXXX on three separate occasions in an effort to get my consumer report from them. They are reporting incorrect bankruptcy information that does not belong to me. They confirm this information to XXXX and Experian however on the report I received on XX/XX/XXXX there isn't any bankruptcies showing on my XXXX consumer report that said, subsequent attempts to get my consumer report from XXXX has been denied. 

THey asked fr a copy of my Driver License and Social Security card which I have submitted they confirm that they have received and attached to my file however they still deny my request. at this Point THis should be assumed to be collusion between Experian and XXXX to keep incorrect, illegal and misleading information on my credit report. My family and I have suffered irrecoverable harm because of the actions of XXXX and Experian. It is my wish that they deliver to me a true and correct copy of my XXXX consumer report. That they remove the unverifiable information that they are reporting on me. 

The XXXX XXXX XXXX XXXX  Bankruptcy court explicitly states that they do not verify Bankruptcy information with any source or requester Both XXXX and Experian need to stop the collusion to keep incorrect information on my Credit reports. the following information is in question with both XXXX and experian and should immediately be removed from both sources. However I have a report Dated XX/XX/XXXX That this information isn't being reported by XXXX. According to Experian and the fact I can't get Subsequent reports it seems to be. Immediate removal is demanded Public Record DATE Reference # Bankruptcy XXXX XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/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 explanation