vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$3100.00}, XXXX XXXX XXXX balance {$1900.00}, XXXX XXXX balance {$1100.00}XXXX XXXX XXXX  balance {$1000.00}, XXXX XXXX XXXX  balance {$1900.00}, XXXX XXXX XXXX balance {$840.00}, XXXX XXXX XXXXXXXX balance {$1200.00}, XXXX XXXX XXXXXXXX XXXX {$1200.00}, XXXX XXXX XXXX balance {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$3100.00}, XXXX XXXX XXXX balance {$1900.00}, XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX XXXXXXXX balance {$1900.00}, XXXX XXXX XXXX balance {$840.00}XXXX XXXX XXXX XXXXXXXX balance {$1200.00}, XXXX XXXX XXXXXXXX balance {$1200.00}, XXXX XXXX XXXX balance {$1200.00}.

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 2024-11-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: AL

Complaint narrative:
Ssa.sent XXXX to my direct express card from XXXX of XXXX  until XXXX of XXXX  someone has taken over XXXX from my account in this time frame three new cards were sent out to me the cards never left my wallet I ask for a deposit of all my money that was stolen and they sent letters out dating the next day of denial with no real answer I called and received the run around about the credits

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To dispute this account : Mail Experian Dispute by Mail XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} Balance updated XX/XX/year> I am disputing this account as a violation of the No Surprise Act, use of false, deceptive, or misleading representations in the collection of this medical debt and as possibly charges at out-of-network rates for emergency services that may be in violation of the FDCPA.

I am hereby seeking an immediate removal of this account from my credit report. And is therefore requesting the following. 


Please provide : Original Creditors Name : Address And Dates Where Service/Procedure Were Provided : Name of XXXX XXXX XXXX That Performed Service/Procedure : Nature Of Service Provided : Signed Copies ( by Me ) Authorizing Service/ Procedure : Copies Of Itemized Billing For Total Sum of {$1300.00} : Copies Of Any Partial Payments Received by Original Creditor : I would kindly appreciate a prompt response to this dispute, considering the destructive and negative effects of this matter. 


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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Complaint Regarding Violation of 15 U.S.C. 1681b ( e ) ( 6 ) by XXXX and Experian To Whom It May Concern, I am filing this complaint regarding inaccurate and unverifiable information on my consumer reports and the failure of XXXX and Experian to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( e ) ( 6 ). 

Details of the Issue : 1. I submitted a dispute to all three major consumer reporting agencies ( CRAs ) XXXX, XXXX, and Experianregarding inaccurate and unverifiable information on my consumer report. 

2. Following my dispute, XXXX deleted the unverifiable information. However, XXXX and Experian failed to take the same action, leaving conflicting information on my consumer reports. 

3. Under 15 U.S.C. 1681b ( e ) ( 6 ), CRAs are required to maintain a joint notification system to ensure maximum possible accuracy and consistency in consumer reporting. The failure of XXXX and Experian to update or verify this information demonstrates a lack of reasonable procedures to ensure compliance with this obligation. 

Harm Experienced : The conflicting information on my consumer reports has caused confusion and resulted in financial harm on multiple occasions from being denied loans as well as missed employment opportunities, and denial of credit, as creditors rely on inaccurate reports when making decisions. 

Relief Requested : 1. I request that XXXX and Experian investigate the discrepancies on my consumer reports, verify the information, and update or delete any unverifiable or inaccurate data to align with XXXX actions. 

2. I ask for CFPB oversight to ensure that XXXX and Experian comply with the FCRA and maintain reasonable procedures to ensure a joint notification system as required under 15 U.S.C. 1681b ( e ) ( 6 ). 

3. I seek confirmation of corrective actions taken and assurance that XXXX and Experian will implement measures to prevent such inconsistencies in the future. 

I trust the CFPB will address this matter promptly to protect my rights as a consumer under the FCRA. Thank you for your attention to this issue.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion, XXXX, XXXX, XXXX, Tenant Screening This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : 1. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
2. Written confirmation that these records have been permanently deleted. 
3. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, 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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
1. What happened : I called Bank of America to ask for help with your credit card payments. 
They offered a program to lower your payments, but they didnt tell me that my credit card would be closed. 
I found out the card was closed when it got declined, even though I had just made a payment. 
I have called them several times and request to reopen the card so I can make a payment and use it but always they say the same thing that I have to reapply. Now they been calling me almost every week and leading voicemails that I have to make the payment before it goes to collection. And it also effecting my credit so badly.

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 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX account # XXXX Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate I am not liable and refuse to pay this debt with National Grid XXXX I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.

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 2024-11-24 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: NY

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX account # XXXX Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate I am not liable and refuse to pay this debt with XXXX XXXX . I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.

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 2024-11-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

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 2024-11-24 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: Early Warning Services, LLC
State: KY

Complaint narrative:
Back in XXXX my boy friend and I wanted to go for an apartment and I used my credit on line since then my life has gone to XXXX I wanted to use my credit just a few months back and low and behold I saw two accounts that i never had a deal with ever XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX I called the creditors and they both stated sent it to the credit agencies start the dispute and we willol in to it this was back in XXXX of this year and I said its not possible to get so many ambigous responses but it I got it from the creditor one month later to the credit agencies and then they just grew tired of me and send a response The documents you are sending are not yours but a from a XXXX XXXX no no no Its me I send them my driver licence social police report and ftc report XXXX XXXX XXXX help me please and then after my calling to them I got inquirires from where I have no idea 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 2024-11-24 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: CBC Companies, Inc.
State: KY

Complaint narrative:
Back in XXXX my boy friend and I wanted to go for an apartment and I used my credit on line since then my life has gone to XXXX I wanted to use my credit just a few months back and low and behold I saw two accounts that i never had a deal with ever XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX I called the creditors and they both stated sent it to the credit agencies start the dispute and we willol in to it this was back in XXXX of this year and I said its not possible to get so many ambigous responses but it I got it from the creditor one month later to the credit agencies and then they just grew tired of me and send a response The documents you are sending are not yours but a from a XXXX XXXX  no no no Its me I send them my driver licence social police report and ftc report XXXX XXXX XXXX help me please and then after my calling to them I got inquirires from where I have no idea 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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