vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: RS Clark and Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted the collection agency to find out why they put me on collection for the amount of {$1400.00}. They told me the actual amount is {$1600.00}, which they included other account charges thats not been reported yet. I requested, but they opted not to provide details of the charges. On XX/XX/year>, they offered to settlement all account charges for {$1300.00}. Again, I asked for details of the charges and original creditor information. XXXX XXXX, their account manager saids XXXX give you none. Told me to pay first, then theyll give me a receipt of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 2024-12-04 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: IN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: RFNA, LP
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The company has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which has significantly impacted my credit score and financial standing. 

Specifically, the discrepancies include : Inaccurate Late Payments : XXXX XXXX XXXX has reported late payments on my account, although I have never been late in making a payment. 
Inconsistent Reporting Across Credit Bureaus : The information regarding my balance and payment status is not consistent across all three credit bureaus. For example, the balance reported by XXXX XXXX XXXX is different from what is listed on my actual statements, and payment statuses vary from XXXX bureau to another. 
Incorrect Balances : The reported balance on my account with XXXX XXXX XXXX is incorrect, which is also affecting my overall credit utilization. 
I have already attempted to resolve these issues directly with XXXX XXXX XXXX by [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the discrepancies have not been corrected. Despite these efforts, XXXX XXXX XXXX continues to report inaccurate information, which has led to a negative impact on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate information is reported to the credit bureaus. I also request that XXXX XXXX XXXX be held accountable for their failure to correct the inaccuracies in their reporting. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require any further information or documentation to support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The company has reported incorrect and inconsistent information to all three major credit bureaus ( Equifax, XXXX, and XXXX ), which has significantly impacted my credit score and financial standing. 

Specifically, the discrepancies include : Inaccurate Late Payments : XXXX XXXX XXXX has reported late payments on my account, although I have never been late in making a payment. 
Inconsistent Reporting Across Credit Bureaus : The information regarding my balance and payment status is not consistent across all three credit bureaus. For example, the balance reported by XXXX XXXX XXXX is different from what is listed on my actual statements, and payment statuses vary from XXXX bureau to another. 
Incorrect Balances : The reported balance on my account with XXXX XXXX XXXX is incorrect, which is also affecting my overall credit utilization. 
I have already attempted to resolve these issues directly with XXXX XXXX XXXX by [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the discrepancies have not been corrected. Despite these efforts, XXXX XXXX XXXX continues to report inaccurate information, which has led to a negative impact on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate information is reported to the credit bureaus. I also request that XXXX XXXX XXXX be held accountable for their failure to correct the inaccuracies in their reporting. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require any further information or documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The company has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, Experian, and XXXX ), which has significantly impacted my credit score and financial standing. 

Specifically, the discrepancies include : Inaccurate Late Payments : XXXX XXXX XXXX has reported late payments on my account, although I have never been late in making a payment. 
Inconsistent Reporting Across Credit Bureaus : The information regarding my balance and payment status is not consistent across all three credit bureaus. For example, the balance reported by XXXX XXXX XXXX is different from what is listed on my actual statements, and payment statuses vary from XXXX bureau to another. 
Incorrect Balances : The reported balance on my account with XXXX XXXX XXXX is incorrect, which is also affecting my overall credit utilization. 
I have already attempted to resolve these issues directly with XXXX XXXX XXXX by [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the discrepancies have not been corrected. Despite these efforts, XXXX XXXX XXXX continues to report inaccurate information, which has led to a negative impact on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate information is reported to the credit bureaus. I also request that XXXX XXXX XXXX be held accountable for their failure to correct the inaccuracies in their reporting. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require any further information or documentation to support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX  XXXXXXXX-31613has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
Day XXXX XXXX XXXX, send money XXXX dollars XXXX XXXX XXXX XXXX XXXX send my sister, mtc XXXX, she never received money, is requesting refund my money. XXXX union He only said that the money was deposited, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB Complaint Department, I am writing to formally request your assistance in removing an inaccurate collection account reported on my Experian credit report. The details of the account in question are as follows : Account Number : XXXX Account Type : Collection Responsibility : Joint with XXXX XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account, {$16000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$16000.00} ( Updated XX/XX/XXXX ) I believe this account has been reported inaccurately or is unverifiable for the following reasons : 1. I have no knowledge of this account or its association with me. The balance or status information is incorrect, or the reporting violates the Fair Credit Reporting Act. ) 2. Lack of Verification : Despite disputing this account with Experian, XXXX, XXXX no satisfactory evidence has been provided to validate its accuracy or legitimacy. 

I have made every effort to resolve this matter directly with Experian and the creditor but have been unsuccessful in achieving a resolution. This unresolved issue is negatively affecting my credit score and causing financial hardship. 

I kindly request that the CFPB investigate this matter and work with Experian and the reporting creditor to : Verify the accuracy and legitimacy of this account, OR Remove the account from my credit report if it can not be verified. 

Please find attached the following documents to support my claim : 1. A copy of my credit report showing the account details.

2. Copies of dispute letters and responses ( if applicable ).

3. Any additional evidence to support my claim.

Thank you for your attention to this matter. I trust that you will investigate this issue thoroughly and assist me in ensuring the information on my credit report is accurate and fair. Please feel free to contact me at the phone number or email address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation