vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, 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 2024-06-18 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute inquiries and a wrong personal information on my credit report. I discovered several inquiries and addresses that do not belong to me. It damages my 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 2024-06-18 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: KS

Complaint narrative:
For context : In XXXX I was charged {$300.00} for turning my keys 1 hour late, the lease ended at XXXX XXXX. I wasn't even living at the apartment by the move-out date. Nowhere in the original XXXX contract there was mention of that fee. The apartment complex name is XXXX XXXX 

Now in XX/XX/XXXX, I see {$300.00} debt collection in my credit report from Recovery Solutions. I contacted XXXX XXXX and they told me they sold the {$300.00} debt to Rent Recovery Solutions a few years ago. Additionally, they told me that they see a {$150.00} credit on my account with XXXX XXXX and they will be sending that amount to Rent Recovery Solutions so the total owed is only {$150.00}. 

Me believing the debt is invalid, I sent a letter to Rent Recovery Solutions on XX/XX/XXXX asking for them to validate the debt. They replied to my letter claiming I owe over {$1200.00} and showed charges completely unrelated to me. I immediately contacted XXXX XXXX to which they confirmed that debt is not mine and it has to be a mistake or a scam. I attached the email from the property manager. 

Rent Recovery Solutions is fraudulently claiming that I owe them {$1200.00}, these charges are completely unrelated to me. I was recommended to sent a letter to the CFPB, but not sure if I should file a police report as well. 

Attached are : 1 ) Fraudulent Letter I received from Rent Recovery Solutions claiming I owe {$1200.00}. 
2 ) Email from XXXX XXXX property manager confirming I only owe {$150.00} ( even though I believe this debt is invalid ). 
XXXX ) My response to Rent Recovery Solutions ' Letter. 
XXXX ) The original letter I sent to Rent Recovery Solutions back in XXXX. 
XXXX ) Original XXXX lease signed showing no mention of {$300.00} fee. 

Issue summary : Rent Recovery Solutions is fraudulently claiming that I owe them {$1200.00}. These charges are unrelated to me, and the original {$300.00} debt ( now reduced to {$150.00} ) is also disputed, as it was not mentioned in my original lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has failed to provide their method of verification. Also they are reporting inaccurate information on my credit report. I show them proof of the inaccurate information and the still fail to remove it. The have the date account opened wrong. Balance amounts wrong also balance history wrong on the XXXX XXXX XXXX  account. This account is inaccurate and I demand the account removed due to Experian failing to verify negative information.

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 2024-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that a validation is requested. 
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account opened on : XXXX XXXXXXXX XXXX  Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations in XXXX has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Proof that you are licensed to collect in my state. 
Your license numbers and Registered Agent or Agent of Service. 
Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code 8, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via XXXX and sent to the address noted in this letter. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, 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 2024-06-18 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-06-18 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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
Information on my credit report continues to report inaccurate after I requested an investigation. Under the FDCPA you can not report inaccurate information. This is causing me daily XXXX  and XXXX. I can not get approved because of this inaccurate reporting.

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 2024-06-18 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: MO

Complaint narrative:
Complaint : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for inaccuracies and discrepancies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). 

Issue : My credit report has been improperly updated to reflect multiple instances of the same XXXX XXXX account, resulting in the display of triplicate accounts. Although two of these duplicate entries have been deleted, one remains, which continues to inaccurately affect my credit report. Additionally, the account in question has been removed and reinserted without any fair warning or a Method of Verification ( MOV ) as requested and as mandated by the FCRA. 

Details : Multiple Entries : Initially, the XXXX XXXX account was being reported XXXX times on my credit report, each as a separate account. This was a clear error and misrepresentation of my actual credit history. 

Identical Balances : All three entries had the same account balance, indicating they were duplicates. 

Remaining Discrepancy : Despite the removal of XXXX of the duplicate entries, one erroneous entry remains. Given the initial discrepancies, all three entries should have been removed to ensure complete accuracy. 

Reinsertion Without Notification : The account in question has been removed and reinserted into my credit report without providing me any fair warning or Method of Verification as requested. This action is in direct violation of the FCRA requirements. 

Violation of FCRA : According to the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and complete. The persistence of XXXX duplicate account for the same debt, the inconsistencies in the reported information, and the reinsertions without proper notification are direct violations of these requirements.

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 2024-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
I was referred to my XXXX XXXXXXXX XXXX XXXX for an annual XXXX exam. At the time I believe this was in XXXX. I had XXXX previous annual exams with XXXX XXXX with no billing issues. I am on XXXX but was also on my wife 's insurance plan through XXXX XXXX XXXX. I advised XXXX XXXX 's medical staff on many occasions that my XXXX was the primary and XXXX was the secondary. I also advised them due to an error with my driver 's license my birthday was listed incorrectly by XXXX. I advised the medical staff for XXXX use XXXX and for XXXX use XX/XX/XXXX. This was not an issue previously but it has become XXXX now. XXXX XXXX office either submitted to the wrong insurance as primary and it was rejected. I believe it was submitted several times to XXXX because XXXX has limits on what they would pay out. My annual XXXX exam was surely covered by XXXX. I believe time elasped ( XXXX ) months before it was submitted to XXXX and it was denied at that point. XXXX only gives 12 months to submit a claim as I was told. So, XXXX XXXX 's office sold my bill instead of eating the charges due to employee ( XXXX ) error sold my bill to a collector Lockhart Morris & Montgomery. I never received any notices from Lockhart Morris & Montgomery which legally they should do initially! What I did receive from them is a severe injury on my credit report. My credit report dropped by XXXX points in that instance. Lockhart Morris & Montgomery initially listed themselves on my credit file as a creditor. This is a clear violation of my rights under The Fair Debt Collection Pratices ( 15 USC 1692 et seq. ) Also by misrepresenting themselves initially on my credit report as a creditor. The amount that shows on my report owed is {$960.00}. Which if true, would mean my debt was purchased for $ XXXX dollars and my reputation has been severely stained and injured for such amount. I would like this unvalidated charge removed off of my reports with all CRA 's immediately. I would like the CFPB to look deeply into the collection practices of Lockhart Morris & Montgomery!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXXXXXX - XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX - XX/XX/XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-18 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.

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