vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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 submitting this complaint regarding inaccurate late payment entries on my credit report. Upon examining my records, I discovered these erroneous late payments which I have previously disputed in writing over 30 days ago. However, I have not received any response from your organization, nor have you provided proper validation for these misleading negative entries on my credit file. 

I am respectfully requesting your prompt assistance in correcting this issue. Despite my prior attempt to resolve this directly with your company, you have failed to address my legitimate dispute over the inaccurate late payment reporting. I am now formally demanding that you fulfill my original request without further delay by updating my consumer credit report to remove or properly identify the payment transactions in question.

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 2024-06-05 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 submitting this complaint regarding inaccurate late payment entries on my credit report. Upon examining my records, I discovered these erroneous late payments which I have previously disputed in writing over 30 days ago. However, I have not received any response from your organization, nor have you provided proper validation for these misleading negative entries on my credit file. 

I am respectfully requesting your prompt assistance in correcting this issue. Despite my prior attempt to resolve this directly with your company, you have failed to address my legitimate dispute over the inaccurate late payment reporting. I am now formally demanding that you fulfill my original request without further delay by updating my consumer credit report to remove or properly identify the payment transactions in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
In XX/XX/XXXX, I got an invoice in the mail from my urologist, stating I owe him money from XXXX, XXXX, XXXX. I called XXXX XXXX office with the billing department and asked them how come they are sending me this invoice in XXXX for the first time after XXXX  years, for a debt that I don't think is mine. I reminded them that every time I went to see XXXX XXXX, I pay my co pay or whatever invoice they had me over. The lady in the billing department said that recently they switched to a new billing system and that the system said I owe them that money. I asked them to send me to prove that I owe that money by providing me an itemized receipt with codes, dates, service, copays and payment from the insurance and what they did is they sent me to a collection agency. I spoke with the collection agency and explained the situation, I asked them for the same itemized receipt i asked XXXX XXXX 's office. I need them to prove to me that I owe that money and they keep sending me an invoice, not the itemized receipt with billed codes. they have not sent me anything proving that I owe that money. I keep asking them not to call me until they send me what I asked for but they keep calling. I need this to stop. I sent an email to the collection company to the email listed in their letter, but it bounces back saying they are rejecting my email. I went to their web page and wrote them directly there asking them for the same. but they do not pay attention. they keep calling. I need them to remove me from collections and do NOT sell that note to anyone else, so i do not want to go through the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate.

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 2024-06-05 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: TN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: MD

Complaint narrative:
I previously contacted transuion, because when I look at my credit report I notice a few addressed and accounts on my credit report that should not be there. Transuion wrote bak to me and said that the VERIFIED THE FRAUDULENT ADDRESS AND ACCOUNTS. I m not responsible for any this and had nothing to with the addresses or accounts In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Union Home Mortgage Corp
State: IL

Complaint narrative:
On XX/XX/XXXX, Union Home Mortgage sent a letter to me stating that the amount I pay into my escrow would increase by {$610.00} per month after they did an escrow analysis. For my XXXX taxes ( payable in XXXX ) my total property tax bill for the year was {$5700.00}, which was paid in the second installment of property taxes. Because I received a new PIN from my county, I did not have a first installment bill for my XXXX taxes. Therefore, {$0.00} was paid in the first installment. For my first installment of XXXX property taxes ( payable in XXXX ), my bill was {$3100.00}. Union Home Mortgage paid that bill, then stated they were raising my escrow account because they had to pay {$8800.00} in the past year. However, the {$8800.00} includes one and one-half years of my property tax bills ( total XXXX {$5700.00} and partial XXXX {$3100.00} ), not one year. 

So for my XXXX taxes ( payable in XXXX ), my total annual tax bill was {$5700.00}. 

Union Home Mortgage is estimating that my second installment for XXXX taxes ( payable in XXXX ) will be {$5700.00} ( coincidentally the same amount as my total XXXX tax bill ). With my first installment of {$3100.00}, that indicates that they estimate my total annual property taxes will be {$8800.00} -- a 55 % increase from the previous year, even though I did not receive a property tax assessment increase nor a tax rate increase yet. 

When I tried to explain the situation to them, they either did not respond to my emails, told me I had to wait until the second installment of my property tax bill was released ( which could take months of overpaying into my account ), or told me I was wrong.

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 2024-06-05 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:
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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2024-06-05 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: MI

Complaint narrative:
XXXX XXXX XXXX {$7100.00} I have been communicating with the company as well as sent them my police report for this fraudulent account. This account should be removed from all bureaus by now. Enclosed is a copy of my police 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX {$7100.00} I have been communicating with the company as well as sent them my police report for this fraudulent account. This account should be removed from all bureaus by now. Enclosed is a copy of my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
A company name Carter-Young, XXXX {$500.00}. I would like this company to show the.. Original contact with my original signature, original payments with this creditor and what ties do I have to this company. I don't know who they are .I would like them to show me a debt validation. If not I would like them to remove this from my credit report .... Have not supplied proof order doctrine of toppel by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I presume at no proof of the alleged bt nor therefore any ch dept in fact therefore exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-06-05 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: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-06-05 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: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in XXXX of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing with grave concern over a derogatory rating that has appeared on my credit report. This inaccurate negative mark is already causing me significant financial hardship and emotional stress. Due to this erroneous rating, I have been denied a recent loan application and seen interest rate hikes on my existing credit accounts. I can not overstate the detrimental impact this is having on my finances and wellbeing. 

I am formally requesting that you take immediate action to remove and block the improperly reported derogatory information from my credit files at all three major consumer reporting agencies, as mandated by law. I expect you to promptly delete these inaccurate negative entries within the legal timeframe requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached my FTC report. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character

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 2024-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Momnt Technologies, Inc.
State: SC

Complaint narrative:
I logged into my Consumer Portal on XX/XX/year> to check the balance of my loan. It showed a pay off amount of {$810.00}. I called XX/XX/XXXX and spoke to an agent who quoted the pay off amount as {$810.00}, which I then paid over the phone. The agent confirmed the loan was paid in full and the account would be closed. I made a point to pay off the loan prior to the promotional period ending on XX/XX/XXXX. I received an email confirming my final payment on XX/XX/XXXX. I checked my balance online and it showed a XXXX balance. On XX/XX/XXXX, I viewed the XXXX Statement, which suddenly showed a balance of {$7400.00} with deferred finance charges and a late fee. I called Momnt Customer Service immediately. The first agent confirmed the loan is paid off, but when I inquired about the XXXX Statement, he remarked, " That's a mistake. Let me put you through to the lady who took your final payment on XX/XX/XXXX. '' I stayed on hold for XXXX minutes, with no answer. I called back and spoke to XXXX. I briefly explained the situation and he said, " That's weird. That's a mistake. Let me open a ticket to escalate this and get it resolved for you. '' After several minutes, XXXX came back on the line, and said his supervisor would not let him issue a work ticket, due a payment in XXXX being reversed. I reiterated that the agent on XX/XX/XXXX quoted a payoff amount of {$810.00} and confirmed it was paid in full. The consumer is not to be held responsible for Momnt 's accounting errors. I asked to speak with XXXX 's supervisor. He said she was in a meeting and she would call me later. I looked in the Customer Portal again after that phone call and saw that the XXXX Statement was suddenly missing. Every other Statement is there. I called Momnt Customer Service again and spoke with XXXX. I asked him to please email me the XXXX Statement, and he replied he'd be happy to assist with that. Then he said, " This is weird. It's missing. Where is it? '' And he put me on hold. When he came back he said that IT would restore the missing Statement within a few hours. It is still missing. See attached screenshot. The manager has not called or emailed in XXXX days. 

*Update - I contiunue to call with no resolution. They say it is under investigation and being escalated to XXXX XXXX. I spoke with them again today and they say there is still no update. 

ATTACHMENTS Momnt Missing State

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Self Financial Inc.
State: NV

Complaint narrative:
The credit card ( not the prior self builder account.That is a seperate issue .They have opened a new self builder account for me but its not reflecting properly on my credit report ) is still showing as open and that I owe something .That credit card should have actually been closed because it was included in my bacnkrupcy .They need to close it. Also I had money available to me over {$500.00} and it was never returned to me from the credit card.

Company response to consumer: Closed with explanation