vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: IL

Complaint narrative:
I have asked all creditors for over 8 months to validate debt, Send me a payment ledger. I have asked how was any accounts validated. The credit bureaus have been ignoring me. They have taken up to 75 days to answer any disputes. The Outdated, Inaccurate, incomplete, not my account, or responsibility ( No Contractual Proof ). You NEED to PROVE IT or LOSE IT from my credit report. 
I am writing this letter to your company in unproven reportability with just that, assumed information you are reporting that you believe is correct. Let me ask you this? Was this information justified and did you ask for proof? If so, I DEMAND the proof to be mailed to me immediately if this information shall remain. These are obvious infractions of the FCRA or FDCPA : XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX  Account : ( opened XX/XX/XXXX ) XXXX XXXX  Account : XXXX ( opened XX/XX/XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX wages : XXXX XXXX in XXXX XXXX IL, XXXX, IL XX/XX/XXXX XXXX XXXX Account : ( opened XX/XX/XXXX ) XXXX  XXXX XXXX  : ( opened XX/XX/XXXX XXXX  XXXX XXXX  Account : ( opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XXXX All three bureaus I have never lived at the address on the file for this creditor that has been removed under another collection name in XX/XX/XXXX. 
XXXX XXXX Account : XXXX ( opened XX/XX/XXXX, only on Transunion and 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 2024-07-12 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: IL

Complaint narrative:
I have asked all creditors for over 8 months to validate debt, Send me a payment ledger. I have asked how was any accounts validated. The credit bureaus have been ignoring me. They have taken up to 75 days to answer any disputes. The Outdated, Inaccurate, incomplete, not my account, or responsibility ( No Contractual Proof ). You NEED to PROVE IT or LOSE IT from my credit report. 
I am writing this letter to your company in unproven reportability with just that, assumed information you are reporting that you believe is correct. Let me ask you this? Was this information justified and did you ask for proof? If so, I DEMAND the proof to be mailed to me immediately if this information shall remain. These are obvious infractions of the FCRA or FDCPA : XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX Account : ( opened XX/XX/XXXX ) XXXX XXXX Account : XXXX ( opened XX/XX/XXXX ) XXXX XXXX opened XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX payments in XXXX XXXX IL, XXXX, IL XX/XX/XXXX XXXX XXXX  Account : ( opened XX/XX/XXXX ) XXXX XXXX XXXX : ( opened XX/XX/XXXX XXXX XXXX XXXX  Account : ( opened XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened XXXX All XXXX  bureaus I have never lived at the address on the file for this creditor that has been removed under another collection name in XX/XX/XXXX. 
XXXX XXXX Account : XXXX ( opened XX/XX/XXXX, only on XXXX and Equifax )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-12 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: FL

Complaint narrative:
ON MY CREDIT REPORT, THERE ARE STILL INACCURATE ACCOUNTS THAT I WANT REMOVED. PLEASE CHECK THE DOCUMENTS I'VE SENT REGARDING THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I have pulled a copy of my recent credit report and found a company by the name of MRS BPO LLC is reporting a debt in the amount of {$260.00}. I never received any notices from this company regarding this alleged debt, nor do i have any contracts with them, however they are reporting on my credit. MRS BPO LLC has damaged my reputation to the point where i can not get approved for credit. This Debt is being reported with out fairness and impartiality and is harming my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have pulled a copy of my recent credit report and found a company by the name of XXXX XXXX XXXX is reporting a debt in the amount of {$260.00}. I never received any notices from this company regarding this alleged debt, nor do i have any contracts with this company, however they are reporting on my credit. XXXX XXXX XXXX has damaged my reputation to the point where i can not get approved for credit. This Debt is being reported with out fairness and impartiality and is harming my ability to obtain credit.

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 2024-07-12 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: CA

Complaint narrative:
I started receiving texts messages from National Recovery Agency on XX/XX/XXXX about a medical bill from the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) from XX/XX/XXXX which I have records of having paid. I thought it was a scam until I received a second message. I contacted XXXX on XX/XX/XXXX who said in an email that I had the debt and it wasn't an error and they sent me the billing summaries from a different set of dates ( XX/XX/XXXX, XX/XX/XXXX which was billed twice XXXX as XXXX  and XXXX as in office ; and XX/XX/XXXX ). 

This contradict the information from the collections agency which shows a date of XX/XX/XXXX for the supposedly unpaid bills. The bill which states that I received services on XX/XX/XXXX is for services I was provided on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have screenshots and downloads of the summaries and credit card statements that match up with the payment amounts where I paid the amounts in full for the services provided on XX/XX/XXXX. I am not sure why the visit on XX/XX/XXXX that was covered by my insurance is billed twice for an in person visit and a XXXX visit, when it was only a XXXX  visit. This bill also does not show up on the regular part of my patient health portal and had to be specially generated when requested on XX/XX/XXXX. 

This is not the first time something like this has happened with XXXX. In XXXX I was charged twice on the same invoice and they refused to revise the charges till I reported them to my credit card company, at which time they removed the charges. XXXX when they overcharged on my deductible, they refused to revise the charges till I reported them to the insurance company who required them to charge the negotiated rate for the visit after a XXXX hour long phone call. I can provide the bills and email documentation on these incidents as well if it will help.

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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GU

Complaint narrative:
When checking my credit report, I noted that a new account was created, which did not open. It was opened for {$180.00} in XXXX XXXX Minnesota. I have never bee to XXXX XXXX Minnesota. See attached for more details

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 2024-07-12 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: FL

Complaint narrative:
Hi EQUIFAX, I don't know what is going on because I just checked my credit report and can not believe what I see. I found this fraud account opened without my knowledge and shall delete from my credit report. I spoke with the fraud team from XXXX XXXX XXXX  and she told me since this account was opened due to fraud, she will closed it out. I was told that I have the right to delete this fraud account from my credit report. Account number XXXX is fraud and I would like to use my right to delete this fraud credit card from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NC

Complaint narrative:
Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is reporting XXXX inaccurate late payments to consumer reporting agencies- XXXX, Equifax XXXX XXXX. In good faith I am writing to challenge the validity of all XXXX  alleged late payments from the months of XXXX, XXXX, & XXXX of XXXX. I never received my periodic statement from the months of XXXX, XXXX & XXXX XXXX days before the billing due date invoking a billing error- XXXX XXXX XXXX XXXX ( a ). I am requesting XXXX XXXX XXXX to provide the certified tracking number used to mail all XXXX periodic statements to the address on file. If XXXX XXXX XXXX can not supply the tracking number I am requesting in good faith that XXXX XXXX XXXX notify all XXXX consumer reporting agencies- ( XXXX, Equifax XXXX XXXX ) to update all three alleged late payments to current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NC

Complaint narrative:
Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is reporting XXXX inaccurate late payments to consumer reporting agencies- XXXX, XXXX XXXX Experian. In good faith I am writing to challenge the validity of all three alleged late payments from the months of XXXX, XXXX, & XXXX of XXXX. I never received my periodic statement from the months of XXXX, XXXX & XXXX XXXX XXXX before the billing due date invoking a billing error- XXXX XXXX XXXX XXXX ( a ). I am requesting XXXX XXXX XXXX to provide the certified tracking number used to mail all XXXX periodic statements to the address on file. If XXXX XXXX XXXX can not supply the tracking number I am requesting in good faith that XXXX XXXX XXXX notify all three consumer reporting agencies- ( XXXX, XXXX & Experian ) to update all XXXX alleged late payments to current.

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 2024-07-12 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:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-07-12 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: TX

Complaint narrative:
I am writing to follow up on my previous fifteen attempts to correct inaccuracies regarding late open accounts on my credit report. Despite my repeated disputes and submission of all necessary documentation, these inaccuracies remain unresolved. 
I have enclosed copies of all relevant documents once again for your reference. These items are incorrect, and their presence on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that you take immediate action to investigate and correct these inaccuracies on my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Kindly help me remove the following items immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-07-12 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:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-12 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: FL

Complaint narrative:
Hi EQUIFAX, I don't know what is going on because I just checked my credit report and can not believe what I see. I found this fraud account opened without my knowledge and shall delete from my credit report. I spoke with the fraud team from XXXX XXXX XXXX and she told me since this account was opened due to fraud, she will closed it out. I was told that I have the right to delete this fraud account from my credit report. Account number XXXX is fraud and I would like to use my right to delete this fraud credit card from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: MI

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. 

XXXX XXXX XXXX Opened XX/XX/year> {$550.00}

Company response to consumer: Closed with non-monetary relief