vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCIAL SERVICES GROUP, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding an account being reported by [ Debt Collectors Name ] on my credit report. I am disputing the validity of this debt and requesting verification under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

The details of the account are as follows : Creditor : [ Original Creditor 's Name, e.g., XXXX XXXX ] Account Number : [ Last XXXX digits of account number, if known ] Amount Reported : $ [ Amount ] I kindly request the following : Proof that you have the right to collect this debt ( assignment or purchase agreement ). 
A copy of the original contract or agreement signed by me with [ Original Creditors Name ]. 
An itemized statement of the debt, including the date of default and the breakdown of charges. 
Verification of compliance with applicable state laws, including the statute of limitations, as I currently reside in XXXX, but the original service was provided in XXXX XXXX 
If you are unable to provide the requested information, I ask that the account be removed from my credit report and collection efforts cease. 

Thank you for your attention to this matter. Please respond in writing through the CFPB portal or at my preferred mailing/email address.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: VA

Complaint narrative:
from XXXX of XXXX untill XXXX of XXXX, their are over 20 inquiries that i dont recognize. i believe my identity may be in a databreach

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 2024-12-27 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:
I am disputing incorrect information listed on my Equifax credit report. The first issue I would like to address is the inaccurate reporting of a bankruptcy. I have never filed for bankruptcy, and this information is completely false. 

On XX/XX/XXXX, I spoke with a representative named XXXX ( Employee ID : XXXX ) to obtain more information regarding this matter. Unfortunately, she was extremely unhelpful and unprofessional. When I asked for the source of the bankruptcy information, she was unable to provide it and repeatedly spoke over me, refusing to answer my questions. Despite my attempts to clarify the matter, she told me I could call back if I didnt want to listen to what she had to say. I even requested to speak with a supervisor or team lead and she stated Equifax didn't have supervisors or leads, which I don't think is true. 

Returning to the issues I am disputing : 1. Bankruptcy : As stated, I have never filed for bankruptcy, and I am requesting that all records of bankruptcy, along with any accounts associated or affiliated with it, be removed from my credit report immediately. I have attached supporting documentation, including a letter from XXXX and a letter from the court, confirming that no record of bankruptcy exists for me. 

2. Contact Information : My only phone number is XXXX. Please remove any other phone numbers listed, as they are incorrect.

3. Hard Inquiries : I am requesting the removal of the following unauthorized hard inquiries from my credit report I contacted the creditors directly and they have no records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. Name Variations : Please correct any name variations listed on my credit report to match the exact spelling on my drivers license and Social Security card : XXXX XXXX. Remove the following incorrect variations : XXXX XXXX XXXX If you claim this information is verified, I request that you provide the source of verification, including the name, address, and phone number of the verifying party.

Lastly, I am requesting a complete, updated copy of my credit report be sent to me via U.S. mail once these corrections have been made.

Thank you for addressing these inaccuracies promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WESBANCO BANK, INC.
State: CT

Complaint narrative:
I recieved letter stating I opened a bank account ending with XXXX with WesBanco with the adress XXXX XXXX XXXX XXXX KY XXXX Wesbanco Inc . Statement in balance is XXXX but I have not contacted this bank at all. It also indicates another XXXX XXXX XXXX XXXX KY XXXX or to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-12-27 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-12-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
This complaint concerns an alleged debt of {$1500.00}, reported by National Recovery Agency ( account number XXXX ) on behalf of the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received XXXX XXXX care on or around XX/XX/XXXX. At no point during the visit was I informed that the XXXX  was out-of-network or that I would be personally billed for services. This lack of disclosure violates the No Surprises Act ( H.R. 133, Sec. 102 ), which protects patients from surprise billing for out-of-network services in emergency situations. 

This account was reported to collections and added to my credit report in XX/XX/XXXX, more than three years after the date of service. Despite disputing this account with National Recovery Agency, the company has failed to provide proper validation of the debt, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Key details include : Date opened : XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current balance : {$1500.00} Status : Collection account Payment history : Reported as past due since XX/XX/XXXX, negatively impacting my credit score.

I have attempted to dispute this debt, but National Recovery Agency has not provided sufficient documentation proving the validity of the charge. Furthermore, the original creditor has failed to comply with federal and state laws, including Floridas Patient Balance Billing Protections under Florida Statute 627.64194, which prohibits out-of-network balance billing without patient consent in emergency situations. 

As this debt stems from illegal billing practices and lacks proper validation, I request the following actions : 1. Immediate removal of this account from my credit report.

2. A full investigation into the practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and National Recovery Agency.

3. A resolution that includes confirmation that this debt has been cleared and no further collection activity will take place.

Thank you for addressing this matter promptly.

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 2024-12-27 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: IN

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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
During the process of working on building my credit I have been checking my credit report for inaccurate reporting or information. While doing this I have been able to login to XXXX and XXXX but not Transunion. I have tried a number of times but can not log in. This is annoying to know that I must not be the only one with this problem because other on the internet have had the same problem.This problem must be resolved because it is apparent that they are not holding up there end of the bargain by updating information in the system and making sure there is transparency with the consumers by making sure that the system is attainable at any giving time. Right now Transunion is showing a difference of about XXXX points on my credit compared to the other two bureaus which makes me believe it has not been updated but I cant login to see the report. That is not good business.

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 2024-12-27 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: VA

Complaint narrative:
On or about XX/XX/XXXX a XXXX account was opened in my name. This account was closed on or about XX/XX/XXXX. This account is fraud and identity theft. I did not open this account and I did not authorize any other party to open this account in my name. This account was reported on my credit reports on or about XXXX of XXXX six year later. I discovered this fraudulent account in my name after applying for a mortgage loan at which time it appeared as a charge off account. Upon attempting to get information on this account from XXXX as I was not able to open the account information through the credit bureaus as it was reported as a charge off, XXXX refused to give me any information as they could not verify my identity as per the information on account in comparison to my personal identifiers. I filed a dispute with XXXX and the XXXX and was contacted by a rep in the consumer relations department who advised that she had investigated the account and they determined that the account was valid and verified. The address on this account is reported as XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX. This address is one of the XXXX XXXX located in XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX. In as much as XXXX has alleged this account is mine and I am responsible for this I am not. Because XXXX did not want to take the time to investigate this account and the validity of this account I took on this task myself and did their job for them. On XX/XX/XXXX I reached out this XXXX location and spoke with and employee by the name of XXXX. XXXX advised me that they have no association or affiliation with XXXX and it was not possible that I could have had an account in my name at that location because I would not have been able to receive goods, services or bills there as I have no affiliation with this store. On XX/XX/XXXX I reached out again to the store and spoke with XXXX the store manager who also advised that they have no affiliation with XXXX. They do have mailboxes but there are no records of any such mailbox in my name from XXXX to present. This account fraudulent and one of identity theft and is damaging my credit and is in violation of the FCRA. XXXX has never taken the time to properly investigate this account to determine the validity of the account or verify the information to accurate. I have consulted with a consumer attorney and am in possession of a retainer agreement and have agreed to allow him to represent me and have this and other matters to the federal court at which time I will seek damages and an order to remove this account from my name and my credit reports. This is my last effort to have the account removed from my name by XXXX and my credit reports updated to reflect this removal or I will have no other alternative but to have this heard in the federal courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth.

A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: LA

Complaint narrative:
I recently received a copy of my credit report and found that its some illegally reporting inaccurate information about me. The following is listed as a collection with PAST DUE balance of : {$240000.00}. 
XXXX XXXX XXXX Acct # XXXX {$110000.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX XXXX  XXXX This a violation of the FCRA and is also in in violation of requisite XXXX XXXX Compliance reporting standards. Accordingnto the Fair Credit Reporting Act I have the right to a fair and accurate report, therefore any information that is not true, accurate and verifiable is required to be removed thank you for your time and understanding. 

With Great Sincerity, 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 2024-12-27 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation