vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 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: GA

Complaint narrative:
XX/XX/year> I made a XXXX XXXX XXXX complaint against Experian  XXXX XXXX. Not only did they ignore giving me information they didnt comply with the XXXX  or FCRA XXXX I have so much proof that I am willing to take further action. They didnt even respond after XXXX  told them they recommend them remove this account or they will leave a negative remark on the XXXX  account. This is what I stated! 

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting stands.

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 2024-04-27 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account be deleted from my consumer report. 

Account- XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Thank you, 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 2024-04-27 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: DE

Complaint narrative:
According to consumer law 15 usc 1681b I did not give permission for these collections to report on my credit report I am a victim of identity theft and I want a cease and desist as well as any debt validation or any written and signed document that ties me to these erroneous accounts, if not I want these removed from my respected credit report as well as all inquiries I did not authorize

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 2024-04-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Yes, This past Tuesday on XX/XX/year>. I went to the ATM I tried to pull out money but it gave me the wrong bill and not enough money, so I decided to do it again but I thought I did a XXXX finger, but it came out the be the same resorts and I decided to go to a different ATM to get it correct. so now Bank of America owe me money due to their ATM gave me an incorrect amount of money! I then called the phone number on back of my debit card and the lady name XXXX XXXX XXXX XXXX promised me that I would get a credit by Wednesdays, which never happened! I want my money back!!!

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 monetary relief
Consumer complaint received 2024-04-27 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: TX

Complaint narrative:
I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I previously disputed this account. Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me. 

I submitted a complaint to the CFPB : Please refer to CFpb complaint number- 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 2024-04-27 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: TX

Complaint narrative:
I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I previously disputed this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me. 

I submitted a complaint to the CFPB : Please refer to CFpb complaint number- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2024-04-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX reached out to TransUnion, XXXX, XXXX by mail numerous times and yet no response putting these Bureaus over 30 days, 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The following accounts dont have account numbers which in fact shows that all three Credit Bureaus refuse to remove.

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
It has been over 30 days since you received my dispute on ( XX/XX/year> ). 
You have not responded to my Dispute and the law clearly states that information that has not been verified within 30 days of the dispute must be deleted. You are hereby put on notice that you have violated 15 USC 1681i and the blow account must be deleted immediately. 
TransUnion, XXXX, XXXX : XXXX XXXX XXXX TransUnion, 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 explanation
Consumer complaint received 2024-04-27 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: LEXISNEXIS
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
XX/XX/24 I had received a change of terms and conditions for my Amex card. My balance is {$0.00}, and I did not like the new terms. The letter said if I did not agree to these terms, I could close my account and not be charged an annual fee. I called Amex to close the account. I was transferred to a retention team and was told it was closed with no fee after refusing multiple attempts from Amex to keep my account open. 

XX/XX/24 I get a new bill. Account is open with a {$99.00} annual fee due. I call Amex and complain. I was transferred to retention again. They place me on hold to review what happened on XXXX. After this, the representative apologized for the failure to close the account and agreed to close it with no annual fee. I request a statement with a {$0.00} balance with confirmation the account is closed. I am told I will receive it in the mail, and I am given confirmation # XXXX. 

XX/XX/24 I get another bill with a {$99.00} fee and a warning of late fees and increased interest if I fail to pay. I called Amex again and request a manager. I reached customer care and spoke to a supervisor named XXXX. I explain to XXXX  that I do not want to speak to Retention because I no longer believe they will close my account. I let him know I am going to file this complaint and that Amex should close my account but I refuse to speak to Retention. XXXX puts me on hold, comes back and apologizes but says he needs to transfer me to Retention. I explain to him I am not doing that a 3rd time and tell him to close my account and tell him goodbye.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-27 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: MN

Complaint narrative:
For over a year I have been disputing accounts with Equifax due to the fact the accounts are trafficking related. One account in particular that is still reporting despite being trafficking related is a XXXX XXXX collection account. Each time I have disputed this account and there have been several times I have disputed it Equifax has refused to remove the trafficking related XXXX XXXX account. Even when they have used my documentation to remove other trafficking related accounts. They have chosen to keep the XXXX collection account on my credit file. 

Equifax has received 17 pages from me on multiple occasions which included : 1. A Self Attestation of XXXX XXXX. 
2. The information that I needed to be blocked. 
3. Two XXXX XXXX Documents. 
4. A XXXX Notice. 
5. My Driver License. 
6. Reasonable Accommodation Request. 

In addition to the above, MY XXXX XXXX TOLD ME THAT EQUIFAX PERSONALLY CALLED HER TO CONFIRM THE VALIDITY OF THE XXXX XXXX DOCUMENT, AND TO ASK HER SEVERAL QUESTIONS WHICH SHE ANSWERED, and they told her they would be processing my XXXX dispute immediately and removing the trafficking related information. However, THIS NEVER HAPPENED! 

They have also prevented me from filing a dispute online for the XXXX account that was last disputed in XX/XX/2023, by saying that the XX/XX/2023 dispute is still open. For a dispute to take over 4 months is a direct violation of my rights and protections. I have requested for them to fix this error multiple times and they have not. This has been done in bad faith and maliciously to cause me to not be able to submit another dispute online regarding the XXXX XXXX account. 

Equifax has removed XXXX related items from my credit file using the same exact documentation in the past. 

DESPITE ALL OF THIS Equifax continues to report XXXX related information on my credit report and make extraneous and erroneous requests for more information from me. 

The XXXX - related information remains on my file in violation of my rights and is causing me substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I received a letter from Cedars Business Services trying to collect roughly {$460.00} for creditor " XXXX ''. The letter appears legitimate. 

The letter reads as follows : " Your account has been places with our firm for collections. We previously sent you important information about your rights. Our request for payment does not deny your right to dispute the debt. 

The amount referenced is seriously past due. We would like to hear from you regarding how you intend to resolve the outstanding balance. Please contact us if you like to make a payment or if you need additional information. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The account says I owe from a declined ACH Deposit however I went on my bank statements from said date XX/XX/year>, and there is no declined transactions on my bank statements. I opened the account with intent to use it, but never ended up using due to me using a different account on another app. However I never closed the account but did sign out shortly after. This has affected my credit score tremendously, when this wasnt my doing. I have proof to show it. 

I also went back into the account to look up previous pay request and history and put the date of said transaction and says theres no history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
AMERICAN HONDA FINANCE is reporting a late payment on XX/XX/2021 for a car payment I never paid late and always paid as agreed. I have contacted the numerous times to correct the information and I have not received any updates. its been months and this is severely impacting my ability to buy a house for my family... any help would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested XXXX XXXX XXXX $ XX/XX/2024

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