vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX  a customer of AMEX sent me pages 1,3, and 4 of my monthly statement ( XXXX in total ) with a note she had received my pages along with her monthly statement. I do not know this woman and I have the letter and envelope in my possession. The statement contained my personal information, account information, balance and other private information. On XXXX I called an filed a complaint with Amex # XXXX. I advised them what I had received from their other customer and asked them to explain what happened and where was the remaining pages were. I was told they would look into it and get back to me. On XX/XX/ I called again advised them I had not heard or received anything. I then was told that no further action was needed. It was resolved and closed XX/XX/ the day I filed the complaint as they found it was a " non-AMEX '' issue. I asked how this was possible. And they opened another complaint # XXXX. I was also given # XXXX as they were crediting my account {$100.00} for a billing inquiry. I advised I didn't want their {$100.00}. I wanted to know why my personal information was send to a woman in XXXX, NY when I live in XXXX, NY and where the remaindered of my bill went. I have never been given an explanation. I was never offered a new card. They just swept the entire thing under the carpet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/2022 ( lawsuit filed ) {$750.00} ( XXXX XXXX ) I filed a wrongful termination lawsuit. 
My accounts were closed for no reason and without warning. 
I was told that my accounts would go from an employee account to a regular account via email but my accounts were closed and not transferred. 

XXXX XXXX I had 2 credit cards and a checking and savings account with this company. I filed lawsuits against XXXX XXXX because they attempted to charge my credit card for fees. There were charges for rental cars that were not picked up even though they were cancelled. 
XXXX  apparently the XXXX district court ( XXXX, MI ) mishandled that lawsuit or lost the paperwork. I was told XX/XX/2022 that I can no longer have any accounts with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting 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, XXXX XXXX, on XX/XX/XXXX became aware of the issue when I noticed unauthorized transactions and inaccurate information on my credit report after I just received my first Social security on XX/XX/XXXX and irregular activity on my credit report. I immediately took steps to report the identity theft and limit the damage. I have reported the incident to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and have completed an Identity Theft Report, including an Identity Theft Affidavit, to officially document the fraud XXXX identity theft to law enforcement. I have also taken measures to rectify the situation by contacting the relevant financial institutions and credit reporting agencies to dispute the unauthorized charges and correct any inaccuracies on my credit report. I have enclosed proof of my identity, a copy of the Identity Theft Report, and any other relevant documentation to support my claim. 

Below are the mentioned reports : Account Name XXXX XXXX XXXX XXXX Collection Date opened XX/XX/XXXX Collection account. {$460.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened XX/XX/XXXX Collection account. {$710.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Debt Buyer Date opened XX/XX/XXXX Collection account. {$440.00} past due as of 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I MAILED INFORMATION TO ALL THREE CREDIT BUREAU TO REMOVE AN INCORRECT ADDRESS FROM MY CREDIT REPORT. 

I INFORMED IT WASNT MINE AND PROVIDED A LIGHT BILL FOR PROOF. 

THIS IS CAUSING MUCH GRIEF DUE TO ME SOON SEEKING A MORTGAGE, THE LENDER WILL ASK ABOUT THIS ADDRESS, AND I NEED IT REMOVED. 

PLEASE HELP THE INCORRECT ADDRESS IS : XXXX XXXX XXXX XXXX, XXXX XXXX, FLORIDA

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I MAILED INFORMATION TO ALL THREE CREDIT BUREAU TO REMOVE AN INCORRECT ADDRESS FROM MY CREDIT REPORT. 

I INFORMED IT WASNT MINE AND PROVIDED A LIGHT BILL FOR PROOF. 

THIS IS CAUSING MUCH GRIEF DUE TO ME SOON SEEKING A MORTGAGE, THE LENDER WILL ASK ABOUT THIS ADDRESS, AND I NEED IT REMOVED. 

PLEASE HELP THE INCORRECT ADDRESS IS : XXXX XXXX XXXX XXXX, XXXX XXXX, FLORIDA

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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was advised that debt was no longer owed because it was included in XXXX. The company keeps attempting to collect debt by garnishing wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
This complaint is against accurate collection service which is fully owned by XXXX XXXX XXXX as I was told by their billing department. 

I went to the emergency room in XXXX XXXX XXXX in XXXX during XXXX. And then was told that I was admitted to the hospital for XXXX ( obviously XXXX is the way to remove the source of the pain. Without XXXX, the most that can be done is pain relief medicine which I can take at home ) and to vacate theemergency room since there is not enough emergency room. It turns out that no XXXX was given to me in XXXX   no matter how strongly I requested because there is not enough physician. And they changed the status to hospital observation ( in order to get paid ) without noticing me of that. If it was not for XXXX, I would stop them transferring me to the hospital even if forced to move, and would go home. Staying in the hospital room resulted in physical, financial and emotional harm for me. The so called observation is their language for waiting for XXXX since I was deprived of sleep, freedom and was bothered by people who talked to me and I had to pay them separately. Had I not requested to leave the hospital later realizing the intention was not XXXX, they would have left me in the hospital room for the rest of XXXX. I was told I could not leave the hospital without the release paper. It took a long time for the release paper to be provided to me. In a way this is kidnapping. It is not appropriate to keep patients in hospital to bring revenue for the hospital, while hospital stay is a XXXX  to the patient. 
As a big surprise, the charge for the hospital observation was over {$10000.00}. This is clearly an abuse of the system. The hospital observation is just their way of making additional enormous money and is absolutely not necessary since there was no XXXX. This constitutes fraud to deceive patients to get payments. 
this is very aggressive billing and collections practices. This hospital is non-profit, which should make sure they deserve the tax exemption. More than Enough profit has been made on my case during XXXX  and XXXX consumers need to be protected from unfair and deceptive business practices by hospitals and debt collectors. 

I therefore ask that the bill be fully waived, which is not even enough to compensate for the physical and emotional harm that XXXX XXXX XXXX put on me. 

upon calling their billing department, I feel threatened that after the collection stage, they would send the bill to XXXX XXXX XXXX who would sue for this bill, which is prohibited by federal law. I request no contact in any means from XXXXXXXX XXXX XXXX. I would also like to speak to the president and CEO of XXXX XXXX XXXX. If they do not let me talk to the president and CEO, then this debt is considered waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
This may seem not important to most people and I understand if there's nothing you can do. I searched for a local journalist and it lead me to you. I am in need of help even a phone call would help. My problem is I bought a vehicle from XXXX XXXX XXXX Mo . I already had one issue that was resolved because they sold the car they promised me. Now around the beginning of XX/XX/XXXX my truck was put in the shop because it needed a new engine I was told 2 weeks max is what it would take. It is now XX/XX/XXXX and no information on my truck. I was out of work a little bit and I had to struggle to make a payment but I did and then today I went in to make a payment under the promise my truck was ready. I paid and then they told me they don't know were my truck is. I called them and told them my boss advanced me the money on my check to be able to get my truck and that was ALL the money I had. At home me my wife and XXXX daughters have no water no heat and I could of used that money to help my family. They Lied to me and now my family is suffering so they can profit. I went from XXXX to XXXX for nothing yo leave broke and no truck. that truck is my way to work yo make money and they know that.. the manager just said there's nothing they can do. didn't offer my money back nothing.. not even a replacement vehicle. I'm embarrassed and depressed that I lost everything I had to try and take care of my family.I worked all week in the negative temperatures outside at my job for that money and it was basically stolen and they don't care

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX  Please remove it from my credit report.

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 2024-01-17 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: AR

Complaint narrative:
Submitted multiple disputes through Experian with no change on the inaccurate account negatively impacting my credit. The account should be deleted. Also have court documentation this is an ex spouse responsibility and that I as the petitioner that Petitioner shall be held harmless on all of the debts set aside to Respondent in the original Judgment.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I was looking at my credit report and was sent into a deep XXXX when I saw negative accounts and inquiries being wrongly reported on my credit report. This XXXX is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: AL

Complaint narrative:
You violated my rights under the fair credit reporting act 15 USC 1681 section 602 A I have the right to privacy 15 USC 1681 A section a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose USC1681 section 604 A section 2 a consumer reporting agency can not furnish an account without written instructions .remove these late payments and update immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: AL

Complaint narrative:
You violated my rights under the fair credit reporting act 15 USC 1681 section 602 A I have the right to privacy 15 USC 1681 A section a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose USC1681 section 604 A section 2 a consumer reporting agency can not furnish an account without written instructions .remove these late payments and update immediately

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 2024-01-17 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: TX

Complaint narrative:
Recently I was looking at my credit report and was sent into a deep depression when I saw negative accounts and inquiries being wrongly reported on my credit report. This depression is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I noticed on my XXXX XXXX account, it said I had a late payment for my XXXX XXXX loan for the month of XXXX I reached out to XXXX XXXX XXXX  over the phone who said they received my payment on time, and are not sure why XXXX XXXX is reporting that information When I contacted XXXX XXXX, they told me to dispute that incorrect information to TransUnion I made my first dispute with TransUnion on XX/XX/XXXX. I provided the bank statements showing I had made the correct payment on time, same scheduled day as every other correct payment. They completed the dispute on XX/XX/XXXX saying the information is correct and that was all. 

So I opened another one on XX/XX/XXXX with the same information, more frustrated because they are just closing my disputes without any reasoning. They closed this dispute on XX/XX/XXXX with the same statement, everything is correct. 

I called them directly to explain the issue, and I was told that making a 3rd dispute would be pointless and I would have better luck contacting the FTC. At this point, they are just refusing to acknowledge the issue. Please help me...

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 2024-01-17 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: VA

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you

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