vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-06 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against TransUnion due to their handling of a disputed account on my credit report, which they have inaccurately re-aged, suggesting a recent late payment. This action is misleading, incorrect, and has significantly harmed my creditworthiness, directly impacting my financial stability and ability to secure essential financial services. 

Furthermore, I wish to highlight my previous attempt to resolve an issue with XXXX XXXX XXXX XXXX. On XX/XX/year>, I sent a certified mail requesting validation of a disputed account, as per the Fair Credit Reporting Act ( FCRA ) requirements. Despite the legal obligation to respond within 30 days, I have not received any form of acknowledgment or response, further compounding the inaccuracies on my credit report. 

This complaint underlines the failure of TransUnion and XXXX XXXX XXXX XXXX to adhere to FCRA guidelines, resulting in severe personal and financial repercussions for me. As a diligent consumer who has not missed a single payment in over five years, and as a single father striving to provide for my family, I urgently request the CFPB 's assistance in investigating these matters and ensuring the correction of my credit report. 

Enclosed are all relevant documents, including copies of the certified mail sent to XXXX XXXX XXXX XXXX, and evidence of the disputed account with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these distressing issues.

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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against TransUnion due to their handling of a disputed account on my credit report, which they have inaccurately re-aged, suggesting a recent late payment. This action is misleading, incorrect, and has significantly harmed my creditworthiness, directly impacting my financial stability and ability to secure essential financial services. 

Furthermore, I wish to highlight my previous attempt to resolve an issue with XXXX XXXX XXXX XXXX. On XX/XX/2023, I sent a certified mail requesting validation of a disputed account, as per the Fair Credit Reporting Act ( FCRA ) requirements. Despite the legal obligation to respond within 30 days, I have not received any form of acknowledgment or response, further compounding the inaccuracies on my credit report. 

This complaint underlines the failure of TransUnion and XXXX XXXX XXXX XXXX to adhere to FCRA guidelines, resulting in severe personal and financial repercussions for me. As a diligent consumer who has not missed a single payment in over five years, and as a single father striving to provide for my family, I urgently request the CFPB 's assistance in investigating these matters and ensuring the correction of my credit report. 

Enclosed are all relevant documents, including copies of the certified mail sent to XXXX XXXX XXXX XXXX, and evidence of the disputed account with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these distressing issues.

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 2024-02-06 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: NY

Complaint narrative:
i just looked at my reporting and i saw that i have a late payment. however they are reporting this late payment is inaccurate. i send a letter trying to fix this problem but i've failed to see any update. please remove this fraudulent inquiries. 
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 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

Medical debt is now the largest source of debt in collections, totaling more than credit cards, utilities and auto loans combined, according to the White House. 

On XXXX the XXXX, XXXX, I received the attached letter demanding money. The demand letter was from Medical Revenue Service. LLC, the demand letter is requesting {$6200.00} which is incorrect. 

I XXXX XXXX disputes this allege Debt in its entirety. 

In XXXX, I was diagnosed with XXXX  XXXX XXXX XXXX. Needless to say, upon finding out this information, my life was turned up-side down and changed forever. 

As a result of my continues care and treatment, it has completely depleted my familys finances and any savings we were able to save. As you might imagine, my life and the life of my family has been changed forever as a result of this awful XXXX. 

Due to the late stages of my care, I am in the process of getting my house in order for the sake of my family. 

In the interest of Consumer Focus, my family and I are requesting that you suspend your collection efforts and close your files. Additionally, please do not allow your office to have any Negative tag lines to be added to my credit report profile. 

Furthermore, per your contractual requirements, please close this account in your office and return it to your client ( XXXX ) for further review. 

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Florida. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Medical Revenue Services LLC, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: FL

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-06 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:
This utility company is saying I have a past due balance which they have sent to collection, It does not belong to me, and I never had an outstanding balance with this company. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number Not Provided I have called on numerous occasions and haven't been able to rectify this issue. After being put in circles I have no other option to have this situation escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CT

Complaint narrative:
This utility company is saying I have a past due balance which they have sent to collection, It does not belong to me, and I never had an outstanding balance with this company. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number Not Provided I have called on numerous occasions and haven't been able to rectify this issue. After being put in circles I have no other option to have this situation escalated.

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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Skrill USA, Inc.
State: MI

Complaint narrative:
I signed up with a credit card processor, Pay Safe, in XXXX of XXXX. Please note the following : XXXX. On XX/XX/XXXX, I processed the first two transactions. At this time I was advised that it would take 2-3 business days to process the transactions and monies to be forwarded into our business bank account. 

XXXX. On XX/XX/XXXX, the monies had not been transferred into our business account. However, Pay safe did charge us a fee in the amount of {$3.00}. On XX/XX/XXXX, I called into Paysafe and was advised that since we were a new account in the contracting services field, we would have to wait additional processing time to receive our funds. I was advised that our funds would be received on XX/XX/XXXX. I asked to speak to our risk advisor, XXXX. I was advised that she would call back to review our account and current hold. XXXX never called. 

XXXX. On XX/XX/XXXX, our funds were not transferred into our account. I called into Paysafes risk department and was advised that our funds had not been transferred and our account was under review. I was advised that there was no one for me to speak and XXXX would call when she is out of a meeting. 

XXXX. On XX/XX/XXXX, I went an email to the customer service department of Pay safe, inquiring about Pay safes failure to community and transfer our funds, I also attempted to cancel this transactions to protect my customers since Pay safe continues to hold our money with no explanation or cause.

My concerns are the following : 1. Can a company charge us a processing fee, when monies have not been transferred or processed properly? 

XXXX. Does the law state how much time a credit processor has to transfer money into their customers business account or are they allowed to hold indefinetely? 

XXXX. How can consumers learn if a credit processor is a legitimate company? 

My # goal is to protect our business and its customers. I am reaching out to CFPB for clarification and understanding as to the requirements of credit processors. Thank you for your time and assistance on this matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
Ridiculous explanation without addressing the issue is getting more XXXX every day AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 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: FL

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 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 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am reaching out to challenge the presence of the XXXX  entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this XXXX  should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

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 2024-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I was having financial issues and tried to make arrangements to catch up loan. I sent an email via Advanced America website XXXX XXXX XXXX asking for help and options to pay off the loan and received no response. My contract for my personal loan is for a payment of XXXX via debit card. The company used an unauthorized electronic check for an authorized amount and overdrew my checking account on XX/XX/year>. The loan has been impossible to pay off and the interest is extremely high. It feels like I signed up for a loan with a loan shark. The loan paperwork is long and confusing with no one explaining the details

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above. 

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
Once again experian closed complaints today without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-06 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: NY

Complaint narrative:
please remove this fraudulent inquiries from my credit report XXXX ) XXXX XXXX  - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX, XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX  XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXXXXXX 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
currently I do not have a score on Experian credit bureau because XXXX XXXX XXXX reported to Experian that I was deceased I have called Experian to prove that I am alive they said to call XXXX XXXX  to let them know and they can not find me in there system. I have called many times with both sides not helping me this is causing problem for me to obtain any credit cards, or allowing me to purchase a home I need something to happen I need help to resolve this asap

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