vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Today on XX/XX/XXXX, I had a chance to look at this report and there ARE MANY INACCURATE things on this report that I DEMAND TO BE REMOVED BY XX/XX/XXXX OR I WILL SUE FOR {$100000.00} INCLUDING LEGAL FEES!!! THIS SITUATION HAS PREVENTED ME FROM GETTING A JOB, A PLACE, A VEHICLE AND I HAVE BEEN JOBLESS ALONG WITH HOMELESS SINCE XXXX WITHOUT ANY SUPPORT FROM ANYONE OR ANYTHING. I DO NOT ASK FOR MUCH BUT THIS INFORMATION IS NOT ACCURATE AND NEEDS TO BE REMOVED XXXX DOCUMENTATION HAS BEEN PROVIDED IF IT HAS IT WAS SHREDDED DUE TO MY EVICTION AND HOMELESSNESS!!! THIS HAS TO GO!! OR PAY {$100000.00} INCLUDING LEGAL FEES

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 2024-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I have reached out to this hospital in regards to an amount that was waived due to them giving me false information that my medical at the time with XXXX XXXX XXXX was accepted and considered in network. I sent multiple papers to to XXXX XXXX in XXXX from XXXX XXXX XXXX that waived over {$770.00} from the total {$1500.00} amount. XXXXXXXX XXXX  for some reason does not understand the fees waived and keeps sending me invoices. I do not owe a total of {$1500.00}. Hope to hear from you guys soon, thank you for the help. I have attached a picture as well stating form XXXX  I do not owe {$770.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CT

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : DEPT OF EDUCATION/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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : DEPT OF EDUCATION/NELN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MO

Complaint narrative:
I have identified unauthorized inquiries on my credit report

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 2024-05-25 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: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : DEPT OF EDUCATIONXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I am writing to file a formal complaint against IQ Data International Inc. for reporting inaccurate and outdated information on my credit report. This issue has caused significant distress and inconvenience, and I am seeking your assistance to rectify this matter promptly. 

The details of my complaint are as follows : Account Information : Creditor : IQ Data International Inc. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Nature of the Complaint : In XXXX, I resolved the outstanding balance on the above-referenced account in full. Prior to the payment, the account was removed from collections. Despite this, IQ Data Inc. continues to report this account as delinquent on my credit report, which is not only inaccurate but also outdated.

Impact on My Credit Report : The incorrect reporting by IQ Data Inc. has adversely affected my credit score and has caused unwarranted harm to my financial reputation. It has also resulted in difficulties obtaining credit and other financial services, as potential creditors are being misled by the incorrect information. 

Actions Taken : I have contacted IQ Data Inc. directly to address this issue but have not received a satisfactory resolution. 
I have also disputed this inaccurate information with the credit reporting agencies, yet the incorrect data persists on my report. 
XXXX XXXX  : I request the Consumer Financial Protection Bureau to : Investigate IQ Data Inc. 's continued reporting of incorrect and outdated information on my credit report.

Require IQ Data Inc. to correct the inaccurate information and update all relevant credit reporting agencies to reflect that the account was paid in full and is no longer in collections. 
Ensure that IQ Data Inc. takes measures to prevent such issues from recurring in the future. 
Enclosed are copies of relevant documents, including proof of payment, correspondence with XXXX XXXX XXXX XXXXXXXX and IQ Data Inc. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: FL

Complaint narrative:
I TOOK OUT A LOAN WITH THIS COMPANY IN XXXX DUE TO FINANCIAL HARDSHIP, I HAD THE INTENTION OF PAYING THIS LOAN BACK, HOWEVER I WAS TERMINATED FROM MULTIPLE EMPLOYERS LOSING EVERYTHING I OWNED LEAVING ME HOMELESS AND UNEMPLOYED IN WHICH I HAVE BEEN SINCE XXXX ALONG WITH XXXX SUPPORT FROM ANYONE ALONG WITH XXXX UNEMPLOYMENT BENEFITS, I HAVE ASKED FOR THIS DEBT TO BE FORGIVEN MULTIPLE TIMES ALONG WITH PROVIDING HARDSHIP DOCS AND I EXPLAINED THAT I HAVE NO MONEY OR ANY RESOURCES. I WANT THIS DEBT FORGIVEN ALONG WITH {$25000.00} FOR LOST WAGES AND FINANCIAL DURESS BEFORE I SUE THEM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I took a loan with this company in XXXX due to unexpected financial hardship and I was unable to pay any bills. I lost multiple jobs during this time and I have been denied ANY ASSISTANCE causing me to lose my vehicle. They have forgiven the debt, HOWEVER IT CONTINUES TO BE ON MY XXXX REPORT ALONG WITH EVERYTHING ELSE AND I AM ASKING THAT IS REMOVED BY XXXX OR I WILL CONTINUE TO COMPLAIN AND SUE FOR {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: IL

Complaint narrative:
In XX/XX/year> my vehicle was repossessed. I am requesting the following information : Itemization of Account : Kindly provide a detailed breakdown of all charges, fees, and expenses associated with the aforementioned account. * Documentation Regarding Original Contract : Please furnish all relevant paperwork pertaining to the original contract, including finance documents signed and a complete account payment history. * Repossession Details : I seek clarification regarding the repossession of the vehicle linked to this account : * What was the amount for which the vehicle was sold at auction? * When and where was the car repossessed? * What was the amount due upon repossession? * Compliance with Illinois Repossession Laws : I request confirmation on whether the original creditor complied with Illinois repossession laws throughout the repossession process. * Statute of Limitations : Kindly provide information on the statute of limitations applicable to this account, along with a detailed explanation of how it was calculated. * Participation in Lawsuits : I inquire about the possibility of joining any lawsuits that may arise against the original creditor. Please advise on the procedures necessary for participation in such legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there were fraudulent accounts and inquiries on my credit report. Please remove the fraudulent accounts and inquiries from my credit report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there were fraudulent accounts and inquiries on my credit report. Please remove the fraudulent accounts and inquiries from my credit report as they are hurting 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 non-monetary relief
Consumer complaint received 2024-05-25 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:
I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its 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 non-monetary relief
Consumer complaint received 2024-05-25 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:
I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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:
I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : 1STPROGRESS/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo was found to have illegally assessed fees and interest charges on auto and mortgage loans, misdirected loan payments, and wrongly repossessed consumers cars. The bank also sprung unlawful surprise overdraft fees on its customers and tacked on other incorrect charges to checking and savings accounts. I believe I was effected in all of the things Wellfargo did to there consumers and should have been a person in the settlement but can not get the company to answer.

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 2024-05-25 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 am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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:
Credit beraus have in my credit report acount, information of my XXXX  brother. They are confusing me with him and are putting all this debts, auto loan, collectors and child support that do not belong to me. I open disputes and what they only fixed was my name and social security number and adress. But they just updated my personal information and did not changed the other inaccurate information. They closed the disputes saying that my account information was accurate. I been trying to dispute their decisions back again and they are just supposedly reinvestigating. One of the accounts have been closed because it was paid off by its owner so I cant reopen a dispute for it. So its basically staying in my credit report record and its affecting it. Im trying to finance a truck and I cant due to this error. Its showing financial institutions that i have a bad credit and debts when i do not and my credit is incorrect. I personally dont have any debts i just finish paying my truck with no late payments. I also sended a letter with copies and proof of identity of my social security, Id and birth certificate and i havent received an answer or a solution. I want them to double check on the information and for them to make sure on the name and social security number of the accounts. See my proof of identity to know that im not the owner of this accounts. Delete all inaccurate information, debts, collectors, auto loan, child support that do not belong to me. Fix my Credit report and score as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all this things that are showing on my report belong to my XXXX brother and are not mine. I want them deleted from my credit report as soon as possible. Only accounts that do belong to me are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : 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 2024-05-25 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: TX

Complaint narrative:
Unauthorized inquiries appear on my credit report.

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 2024-05-25 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:
Look, this is my third time writing y'all about a problem with my credit report. The account in question is XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). This account is closed but somehow, its still showing up as open. 

I'm not asking for another investigation or an update. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), any inaccurate or unverifiable info has got to be deleted from my credit report. So, I need y'all to delete this account right now. 

I've included the proof below. 

If this matter is not resolved immediately, I will have no choice but to escalate this issue to the FTC and take legal action.

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 2024-05-25 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: CA

Complaint narrative:
I don't recognize these Hard Inquiries. I already contacted the credit bureaus on XX/XX/XXXX but I did not receive a decision. 

Delete Hard Inquiries XXXX - XXXX XXXX XXXX ( XX/XX/XXXX ) Delete Hard Inquiries TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25 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: CA

Complaint narrative:
I don't recognize these Hard Inquiries. I already contacted the credit bureaus on XX/XX/XXXX but I did not receive a decision. 

Delete Hard Inquiries XXXX - XXXX XXXX XXXX ( XX/XX/XXXX ) Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Delete Hard Inquiries Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation