vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged 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 2024-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Payment history is not accurate na din fact it is illegal to treat a late payment as payments. 15 usc 6802. This account is not 100 % accurate. I do not want this account to show on my report being that it is not accurate and reporting accurate information. I was never late and this account is reporting 30 day late for 5 months and 60 days for 3 months. TO whom it may concern, I am letting you know that your company have been very intrusive, YOUR COMPANY IS ON MY REPORT WITHOUT ANY PERMISSION ESPECIALLY WITHOUT A CONTRACT AND WET INK SIGNATURE, BY LAW YOUR NOT SUPPOSE TO REPORT ILLEGAL AND FRAUDULENT INFORMATION. THIS ACCOUNT IS NOT VALIDATED OR VERIFIABLE. REMOVE AND AND DELETE ALL INFORMATION WITH MY NAME/SSN # /BIRTHDAY YOU DO NOT HAVE MY CONSENT TO HAVE OR USED MY INFORMATION. I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT. 


Your company Violated all FDCPA/FCRA, FEDERAL and STATE Laws : 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692g - Validation of debts ( a ) ( 1-5 ) ( b ). 15 U.S. Code 1692j - Furnishing certain deceptive forms.

15 U.S. Code 1692c - Communication in connection with debt collection.

18 U.S. Code 1341 - Frauds and swindles 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1692j - Furnishing certain deceptive forms Rule 1002. Requirement of the Original Cease and desist validation of debt All collection activity must stop. Stop reporting to the reporting agencies.

Stop communicating.

Stop reporting My personal information. I did not give or ask your company to report my personal information.

Stop debt activity immediately.

15 usc 1692c, I didnt give your company the direct instruction to report this account or others to the agencies.

I refuse to pay a debt that I do not owe. Respectfully DETACHED all information to delete this account from all three credit profiles immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
***SECOND REQUEST*** Due to LexisNexis alleging that they were unable to verify my identity, despite being provided my full name, address, phone number, social security number and email ( the same one they allegedly attempted to contact me at ) I am submitting the same complaint, along with a copy of a recent utility bill, my IL drivers license, and as a copy of my social security card in addition to the previously submitted documents. 

There is an unverifiable public record reporting on my credit report. I contacted the court listed to which they advised that do not share any personal identifying information with any third party. I personally did not authorize any third party to collect and share my personal identifying information with any person or company. I have previously disputed this public record with XXXX and XXXX to which they have responded that it has been verified as accurate. This is not true. I spoke with XXXX today and they have advised that LexisNexis reported the information as accurate. This is a violation under 15 U.S. Code 1681b. I previously spoke with LexisNexis and they advised that they were unable to verify the public record and removed the entry from their database. I will be attaching the letter from the courthouse which states that they did not share my personal identifying information. I will also be attaching the letter I received from LexisNexis that stated they were unable to verify the public record and previously removed it from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
received settlement in class action for deceptive practices ( {$2500.00} ). XXXX ruling allowed for XXXX discharge of all owed loans, ( $ XXXX ) school retaliated for both actions by recording last semester as unpaid and sent to collection separate from BDAR discharge barring reenrollment XXXX ( complaint sent to US dept. of edu, no reply ) Claims for {$2600.00} owed to school are false and not applicable. I would not have received any of the settlement money if a legal outstanding debt was still owed. Contested debt with collections agency. Agency was about to discharge, school sold debt to another which offered {$1800.00} settlement. Problem brough to attention of MN office of higher Edu. no reply as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: VA

Complaint narrative:
Optum Financial ( Health Savings Account ) : I am seeking reimbursement for older health claims paid out of pocket by my health savings account. My health savings account was created in XXXX and Optum Financial took over management of this account around XXXX. Optum Financial is correctly processing new health transactions with my HSA debit card. Optum Financial also quickly completed review of the XXXX health expenses and approved these transactions for reimbursement. 

However, it is struggling to actually pay out these older claims and recently told me it is unable to do so since it took over management of the account in XXXX. Different customer service representatives have provided different reasons for why this account is not reimbursing properly. The company has provided no written reason for this delay. 

In XX/XX/XXXX I requested reimbursement for three claims in XXXX preloaded in the this HSA system. Since XX/XX/XXXX, these claims are listed in the Optum Financial system as " Approved, Processing Reimbursement '' # XXXX for {$7.00} # XXXX for {$670.00} # XXXX for {$190.00} Please review and provide appropriate reimbursement for these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
Just received an alert on XXXX XXXX that Amsher Collection Services is attempting to collect a debt of {$680.00} for XXXX XXXX Now, I can tell you that I have been with XXXX for 14 years now, and have NEVER once applied for any type of XXXX XXXX. I can also tell you that I have never received any form of written notification of any sort of debt from Amsher Collection Services. After reading through countless reviews of this company, it is evident they are predatory, do not follow laws and have no compunction when it comes to ruining credit reports. This account needs to be removed from my credit reports immediately. I have already contacted the Indiana Attorney General and the FTC regarding this horrible situation. I am contemplating filing suit in my local court for violating the FDCPA for misrepresentation of a consumer debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: IL

Complaint narrative:
XXXX loan servicer a third party debt collector is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on ALL my credit report. 
The reports states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX  and even transunion prior to XX/XX/2023! I am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent! 
I sent many dispute letters via certified mails and they are NOT RESPONDING!! and violate the cease and desist notices i sent. 
Per 15 U.S. Code 1681 Without them being able to provide me with theproof of the debt, I am requesting that XXXX and all credit bureaus to remove this CLOSED account immediately from my credit reports that is causing damage to my name and credit worthiness. i need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX loan servicer a third party debt collector is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on ALL my credit report. 
The reports states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, experian and even XXXX  prior to XX/XX/year>! I am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent! 
I sent many dispute letters via certified mails and they are NOT RESPONDING!! and violate the cease and desist notices i sent. 
Per 15 U.S. Code 1681 Without them being able to provide me with theproof of the debt, I am requesting that XXXX and all credit bureaus to remove this CLOSED account immediately from my credit reports that is causing damage to my name and credit worthiness. i need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
I sent information about this bill to Cfpb that I paid the XXXX they said I owed for an accident that occurred on XX/XX/XXXX. Cfpb said the company National Service bureau will answer my complaint within 60 days that was on XX/XX/XXXX. Today XX/XX/XXXX I received a final notice from National Credit Bureau asking for a payment of XXXX to prevent further collection activity. I refuse to pay for something that I don't know what it's for. I want this company to stop bothering me for a bill that I don't owe. I believe this is a scam. They said I owed XXXX and I paid that now they come up with an additional XXXX for what

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COMMERCE BANK
State: IL

Complaint narrative:
make my credit corrert

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was nearly killed in a car accident caused by an XXXX driver who made an illegal turn, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX for almost a year after the XXXX  XXXX  for a month. Im waiting for my XXXX  XXXX, Im still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc etc etc etc.. I was in no position to deal with bills & Im still not. 
I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, Transunion and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED? 



NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES. 



YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS. 

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, XXXX and Experian are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED? 



NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES. 



YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS. 

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}

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 2024-02-22 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Bought a Vanilla Gift Card {$500.00} at the beginning of XX/XX/XXXX. It was a gift to my daughter for xmas XX/XX/XXXX. XXXX XXXX, my daughter opens her card packaging and attempts to register/use the card for an online purchase. The balance of the card read {$0.00}. The card was drained 2 weeks earlier at a food store on the other side of the continent. 

Filed a police report. Filed a complaint with VanillaGift. We've had a case number # XXXX for months. The resolution date was XXXX XXXX after XX/XX/XXXX we started calling their XXXX call center.. week after week they kept telling us 2 days the card will be reactivated.. 4 days the card will be reactivated.. 3 days the card will be reactivated. Meanwhile time is ticking away. They're buying time. 

Today XX/XX/XXXX, I check the case on the website it now says Resolution date XX/XX/XXXX ... another 4 months! 

I am 'now " aware of the widespread scam of draining these particular 'vanilla gift ' cards due to their lax security features. And I am aware 'Vanilla Gift ' has fought lawsuits to refuse to fix their issues. And I am aware 'Vanilla Gift ' is reknown for not reimbursing customers who have been victimized by their poor security measures. 

{$500.00}! That is alot of money to me and my daughter.. XXXX ruined.. and runaround from this horrendous company selling known defective products and refusing to fix or reimburse their own failures... sickening.

Company response to consumer: Closed with explanation