vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
Subject : Dispute of Incorrect Collection Status on My Credit Report Disputed account : XXXX XXXX XXXX open date : XXXX XXXX, XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an erroneous account status that is currently being reported on my credit report. Specifically, I am disputing the status of my auto loan account, which was held with XXXX XXXX, as it is inaccurately listed as being in collection with a balance of {$0.00}. I believe this information is not only incorrect but also damaging my credit profile, and I kindly request your assistance in rectifying this issue. 

The details of the situation are as follows : In XX/XX/, I was involved in a significant accident resulting in a total loss of my vehicle, which had been financed through XXXX XXXX. Despite the loss, I continued to make my monthly payments on the auto loan to ensure that my payment history remained unblemished. 

I maintained these monthly payments through XXXX, XXXX, XXXX, and XXXX, even though I no longer possessed the vehicle. My intention was to prevent any late payment notations on my credit report, demonstrating my commitment to fulfilling my financial obligations. 

In XXXX, my insurance company, XXXX, officially confirmed that they had settled the outstanding balance of the auto loan. As a result, I ceased making monthly payments to XXXX XXXX. 

In XXXX, I received a refund from XXXX XXXX  for the payments I had made beyond the date when the insurance company had covered the balance. This refund confirmed that my financial obligations were indeed met, and there was no remaining debt. 

It has come to my attention that despite the timely and responsible nature of my payments, my credit report indicates that this account is in collection with a {$0.00} balance. This inaccurate representation is severely affecting my credit score and overall creditworthiness. 

I kindly request that you promptly investigate and rectify this situation. The account should reflect its accurate status as a closed auto loan with a XXXX balance, as it is not, and has never been, a collection account. I believe that this correction is essential in restoring the integrity of my credit report and ensuring that my credit score accurately reflects my responsible financial behavior. 

I have attached supporting documentation, including proof of the insurance settlement and the refund received from XXXX XXXX, to substantiate my dispute. Please review this evidence carefully and update my credit report accordingly. 

Thank you for your prompt attention to this issue, and I look forward to a favorable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
Subject : Dispute of Incorrect Collection Status on My Credit Report Disputed account : XXXX XXXX XXXX open date : XXXX XXXX, XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an erroneous account status that is currently being reported on my credit report. Specifically, I am disputing the status of my auto loan account, which was held with XXXX XXXX, as it is inaccurately listed as being in collection with a balance of {$0.00}. I believe this information is not only incorrect but also damaging my credit profile, and I kindly request your assistance in rectifying this issue. 

The details of the situation are as follows : In XX/XX/, I was involved in a significant accident resulting in a total loss of my vehicle, which had been financed through XXXX XXXX. Despite the loss, I continued to make my monthly payments on the auto loan to ensure that my payment history remained unblemished. 

I maintained these monthly payments through XXXX, XXXX, XXXX, and XXXX, even though I no longer possessed the vehicle. My intention was to prevent any late payment notations on my credit report, demonstrating my commitment to fulfilling my financial obligations. 

In XXXX, my insurance company, XXXX, officially confirmed that they had settled the outstanding balance of the auto loan. As a result, I ceased making monthly payments to XXXX XXXX. 

In XXXX, I received a refund from XXXX XXXX  for the payments I had made beyond the date when the insurance company had covered the balance. This refund confirmed that my financial obligations were indeed met, and there was no remaining debt. 

It has come to my attention that despite the timely and responsible nature of my payments, my credit report indicates that this account is in collection with a {$0.00} balance. This inaccurate representation is severely affecting my credit score and overall creditworthiness. 

I kindly request that you promptly investigate and rectify this situation. The account should reflect its accurate status as a closed auto loan with a XXXX balance, as it is not, and has never been, a collection account. I believe that this correction is essential in restoring the integrity of my credit report and ensuring that my credit score accurately reflects my responsible financial behavior. 

I have attached supporting documentation, including proof of the insurance settlement and the refund received from XXXX XXXX, to substantiate my dispute. Please review this evidence carefully and update my credit report accordingly. 

Thank you for your prompt attention to this issue, and I look forward to a favorable 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 2023-12-27 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: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-27 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: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Week of XX/XX/XXXX I called and requested an itemized list of what they were claiming I owed. XX/XX/XXXX they mail a letter and an invoice from the original medical provider. The letter stated I owed {$41.00} but the invoice attached read as {$0.00} owed. When I called to ask again about the lack of consistency I am told that I owe {$370.00} but when I asked about the letter and invoice they tell me they don't know how the debt value was determined. When I try to ask why when I asked for an itemized of all my debts they think I owe the representative tells me that they did send me an itemized list ( referring to the letter and invoice with inconsistent outstanding balances ). The representative refused to discuss the information problem and would only discuss my payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

has violated my rights. Or a list of inquiries : 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 2023-12-27 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: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
Today I got a third party collection letter for an alleged XXXX marketplace transaction for {$7.00} and a fee of {$25.00} that I do not owe. 
I have spent XXXX of dollars at XXXX over the years and recently had to close my account due to horrible customer service but I never had an outstanding bill of XXXX and always paid for all my orders. Why would I default on {$7.00} that is ridiculous and why would I be charged {$25.00} fee for something not mine. 

I never received any notification or bill from XXXX concerning this matter period and in order for something to go collections it has to be not paid first. 

I am disputing this debt entirely and want validation of the debt with : Full original purchase agreement or debt assignment. 
Proof of purchase including wet signature. 
Contract for purchase Proof that this debt wasnt already paid as I have no outstanding debts and my account is closed and they could not close it without it being in good standing, period!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
XXXX XXXX  MADE FRAUDULENT INQUIRY ON DATE : XX/XX/XXXX  WITHOUT MY CONSENT. 

XXXX ALSO MADE UNAUTHORIZED INQUIRY ON DATE : XX/XX/XXXX  WITH MY CONSENT. 

BOTH FRAUD INQUIRIES SHALL BE DELETE FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX  I received an alert of a new inquiry on my XXXX credit report. I contacted XXXX and let them know that I had not authorized an inquiry on my credit report and that when the inquiry took place ( XX/XX/XXXX  ) I was on a cruise ( XX/XX/XXXX  - XX/XX/XXXX  ). XXXX told me they could not remove anything from my Credit Report and that I should contact the Creditor to have them reverse/correct the inquiry. The only other way would be with a report of identity theft/fraud from the FTC. 
XXXX provided me the contact information of the creditor available to them ... Westlake Service Inc XXXX. The date of the inquiry was XX/XX/. 
I contacted the company by phone. The person I spoke with told me their Credit Inquiry Dispute department did not speak to anyone on the phone and I would need to send them an email to XXXX which I did. After several back and forth communications and me providing all the information available to me they said : " Your inquiry # XXXX has been updated. 
Unfortunately, after researching our systems, Westlake Financial was unable to find the inquiry. Please provide more information or a snippet of our inquiry for further assistance. '' I contacted the FTC at the number provided through Identitytheft.gov and the person I spoke with said they couldn't open a report unless an account was successfully opened. I contacted XXXX again and the person I spoke with said they have had people get reports for the same inquiry problem from the FTC through reportfraud.ftc.gov. That is where I have submitted this request.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect information is being reported to my credit file. The loan information is incorrect. The balance and status is incorrect

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 2023-12-27 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: GA

Complaint narrative:
Incorrect information is being reported to my credit file. The loan information is incorrect. The balance and status is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: UT

Complaint narrative:
I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed from XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from Transunion ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : 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 2023-12-27 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: UT

Complaint narrative:
I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed from XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Here is the information to be removed from Experian ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : 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