vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
I changed cellular phone service in 2023 with XXXX, they sent it to collections and I paid it in full and its been sitting in all 3 credit Boreas as in collections, or derogatory, or paid after charge off in collections, all 3 are inaccurate and i either want it corrected on all 3 reports or removed completely

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 2024-11-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Financial Services
State: IL

Complaint narrative:
my car got reposed today XX/XX/year> without my knowledge i am mot behind on any payment or anything they told me i need to pay for {$530.00} is due on your loan for XX/XX/XXXX to bring you current and then {$600.00} for the repo fee and then I can release your car immediately. 

I will get a formal letter to you via email and in the mail later today this is illegal seizure that they did

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I suddenly received 3 notifications from XXXX XXXX on XX/XX/year> that I had XXXX hard inquiries from these financial institutions. XXXX XXXX ( Bank  ), XXXX  ( Finance ), and ONEMAIN  ( Finance ). I immediately called all 3 credit bureaus on XX/XX/XXXX and XXXX to let them know this was not me and to please freeze access to my credit reports. I put in a dispute to have these inquiries removed and also called all the institutions that made these inquiries in the first place. I asked them to stop the applications as they let me know they were still in progress and let them know I was not the one that processed these requests. They accepted that these inquiries were unauthorized. I am just waiting for it to be removed from my credit, I do not know who or how my information goes out for someone to be able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
At the beginning of XX/XX/XXXX, I entered into a forbearance agreement with my mortgage servicer, Shellpoint which was approved for 6 months. I was told that during the forbearance period, mortgage payments not made would not be reported to the credit bureaus. Although this was discussed and agreed upon, Shellpoint reported not receiving a payment for XXXX and XX/XX/XXXX. In XX/XX/XXXX, the forbearance ended and my payments were deferred to the end of my loan. I have spoke to Shellpoint and have submitted two different disputes asking them to remove the late payments from my credit report. Everytime I call, I am told the dispute is being worked on and my credit is going to be corrected. I called today to check the status and they told me that late payments are reported to the credit agencies and there is nothing they can do.

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 2024-11-26 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: TN

Complaint narrative:
Experian is an agency repeatedly reporting inaccurate information and causing data breaches by using overseas call centers that compromise American citizen information and then Experian keeps reporting that inaccuracy causing grave harm and deprivation to the living being. An agency called Experian is violating these federal laws In accordance with the United States Codes The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A,15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) ,15 U.S.C. 1681s-2 ( A ) ( XXXX ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL.

THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! 
I have not supplied proof under the doctrine of estoppel by silence, E

ngelhard V. gravens ( Mo ) 281 SW 715.719. I presume that no proof of the alleged debt, in the fact therefore exist.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes.

If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report.

You must now delete the disputed and unverified accounts.

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 2024-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
There was a suspicious account ( XXXX ) Opened either on XX/XX/XXXX or XX/XX/XXXX in my name that I did not open. Someone has already spent {$290.00} and I've called XXXX and they have started the dispute already. Haven't heard back yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX  XXXX. XXXX Account name : XXXX  XXXX. XXXX Account name : XXXX XXXX  XXXX. XXXX 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. 15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-11-26 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to XXXX8 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX  XXXX. XXXX Account name : XXXX XXXX. XXXX Account name : XXXX XXXX  XXXX. XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-11-26 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

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 2024-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

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 2024-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
I do not have a contract nor did l authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: MS

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 2024-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX for a scheduled appointment with a XXXX, XXXX XXXX XXXX, MD. The service was covered under my insurance plan with a {$50.00} copay. Upon check-in, the front office informed me that their credit card machine was down, so they would add the {$50.00} copay to my XXXX account XXXX 

Later, I received a bill totaling {$920.00}, which was sent to collections without resolving my dispute. Heres what happened : Disputed Charges : 1 ) {$1200.00} billed under Physician Services. 
2 ) {$1600.00} billed under Hospital Services. 

Insurance covered a portion, but XXXX incorrectly billed the visit as a " hospital service '' instead of a " specialist office visit, '' which triggered a deductible rather than the usual {$50.00} copay. 

1- Actions Taken : a ) I immediately contacted XXXX billing to dispute the charges. After multiple calls and being transferred several times, I was told the insurance only covered a portion, and I was responsible for the remaining balance. 

b ) My insurance company confirmed that the issue was with the billing codes used by XXXX. They advised me to request XXXX to correct the codes to reflect a " specialist office visit. '' c ) Despite my repeated attempts to resolve this with UCSDincluding multiple calls, emails to billing services, and contacting a patient advocateno resolution was provided. 

2- Unjust Explanation from XXXX XXXX a ) XXXX XXXX claimed that because XXXX XXXX XXXX office is in a hospital building, the charges were billed as hospital services. However, I had scheduled a specialist visit, and the location should not alter the billing code for a standard office visit. 

3- Collections Agency Harassment : a ) XXXX has now sent my bill to Professional Credit XXXX XXXX XXXX XXXX, which has been harassing me with threats to report the debt to credit bureaus if I do not pay the balance. 

Why This is a Problem : 1 ) The charges are inaccurate and result from UCSDs failure to properly bill my insurance for the specialist visit. 
2 ) UCSDs refusal to correct the billing code has caused undue stress and financial hardship.

3 ) Sending the bill to collections while the dispute remains unresolved violates fair billing and collections practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
The XXXX entry on my credit report has been discharged for a period longer than the legally allowed time for such entries to remain This outdated and incorrect information is negatively affecting my creditworthiness.I request The immediate removal of this entry to insure my credit report is accurate and fair

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Mom had an account with Wells Fargo. She passed away on XX/XX/year>. The account was deemed fraudulent by Wells Fargo and the account was flagged as fraud. Wells Fargo filed a claim against my Mom 's estate on XX/XX/XXXX. 2023. In XX/XX/year> they attempted to collect this debt from me personally when I had nothing to do with the account. I previously filed a complaint the CFPB after which Wells Fargo sent me a letter and stated there was a zero balance on the account. Since then I have repeatedly called asking for a lien release against the property. Wells Fargo reps continue to tell me they are going to send me a lien release and they will not do it. They give me a deadline and cant even meet their own deadline. Every time I call there excuse is someone is out sick or someone is off today. Today after over a month of calling the Estate Dept transferred me to the Executive office once again and could get no help there. Also, even though they know my Mom is deceased they sent a letter recently to her ( not the estate ). All I need is the release from the estate and to get some cooperation from Wells Fargo.

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