vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: MD

Complaint narrative:
Unauthorized credit inquiries are impacting my score. Please address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I received a copy of my credit report and found the following items to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$3300.00} BAL OWED : {$3000.00} Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

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 2024-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
This debt collector was for an XXXX emergency vehicle ride in XXXX XXXX CT in XXXX. I explained in my dispute to XXXX that this was not my bill. They closed the dispute and stated that the bill was mine. As a XXXX XXXX XXXX, I have never, ever ridden in an emergency vehicle. I was not in the state of CT in XXXX when the charges occurred. I understand that XXXX is a common name and that there are many by such surnames. I do not understand how I was flagged for this bill. I never rode in an ambulance. I was not in CT at the time. They should have insurance card or driver license or something related to the person that was taken to the ER. IT WAS NOT ME. I do not know why XXXX did not ask for the person social security number ; or insurance card ; or drivers license or identity of the person in their vehicle. It was not me. I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX. I lived in XXXX  since XXXX with spending XXXX years in XXXX XXXX, XXXX  from XXXX timeframe. I moved from XXXX XXXX  in XXXX to XXXX  XXXX. This is not my bill. They need to explain how they targeted me for this bill and why I had no notice regarding the bill until the bill collector reported me to the credit bureau. THIS IS NOT MY BILL OR ISSUE. I NEVER WAS IN AN AMBULANCE AND TAKEN TO AN ER. Why did they give me this bill???? I am XXXX and have never been taken to an ER in my life. This is fraudlent. My case with XXXX is reference number : XXXX. My case with the debt collector is # XXXX. When I talked to XXXX XXXX at Debt Recovery Solutions, he said " Don't worry about it ''. He will take care of it. The case was closed by XXXX saying that the bill was mine. This is not true. I need this to be removed from my name. They need to find the real person who rode in that ambulance. 

XXXX, XXXX XXXX XXXX, was the ambulance company that turned this issue over to Debt Recovery Solutions. Please, please make XXXX accountable for this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-11-27 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, 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 this account though your company claims to have verified this. 

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 XXXX 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 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 2024-11-27 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
BRIDGECREST CREDIT COMPANY  : XXXX - Balance : {$16000.00} My rights have been violated regarding 15 USC 1681 ( g ), I have not been provided with the proper disclosure. I demand that these items be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft, and my personal information has been compromised due to a data breach. Pursuant to the provisions outlined in 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries associated with my credit file be blocked and deleted immediately. 
The following accounts have been identified as fraudulent and should be removed : Accounts : XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$750.00} XXXX. XXXX - Account # XXXX - Reported XX/XX/XXXX - {$200.00} XXXX. XXXX - Account # XXXX - Reported XX/XX/XXXX - {$32000.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$27.00} Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were the result of a data breach, and I have no association with them. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX Balance : {$3000.00}

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax did not Respond 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
I received a copy of my credit report and found the following items to be an error. 

XXXX XXXX OPEN DATE : 12/19/2019 - ACCT XXXX XXXX HIGH BAL : {$3300.00} BAL OWED : {$3000.00} Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused XXXX XXXX XXXX XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I acquired a debt with XXXX XXXX XXXX XXXX for the purchase of a XXXX XXXX vehicle. In XX/XX/XXXX, I decided to voluntarily return the vehicle to XXXX XXXX XXXX XXXX. After this, I was contacted by the Alltran Financial , LP Collection Agency to make me pay the rest of the debt, which according to them was {$3100.00}. 

It is important to mention that the principal debt for the vehicle at the time of purchase was {$33000.00}. 
I paid XXXX {$10000.00} as a down payment. Then eight monthly payments of {$600.00} ( {$2600.00} to the principal debt ). The vehicle was later sold by XXXX for {$30000.00} in XX/XX/XXXX. However, I ended up paying the Alltran Financial debt collection agency an amount of {$1700.00} and they are still charging me through another collection agency called XXXX XXXX XXXX XXXX. 

Nearly {$47000.00} has already been paid for the same vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, 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 this account though your company claims to have verified this. 

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 XXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day, I am deeply concerned about the unauthorized information being reported on my credit file. I never gave permission for this data to be included, and its presence is a clear violation of my right to privacy. Its disheartening and insulting to see this false information negatively affecting my credit score and tarnishing my reputation. Due to your negligence, Ive faced multiple denials on new credit applications, which is causing unnecessary stress and impacting my financial stability. Im requesting the immediate removal of this unauthorized 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 2024-11-27 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:
All transactions and charges on these accounts are completely fraudulent. I did not authorize or benefit from any of them, and they were made without my consent. These unauthorized charges are negatively impacting my credit report and damaging my financial reputation.

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 2024-11-27 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: NY

Complaint narrative:
Experian XXXX Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Follow-Up on Dispute of Incorrect Information On XX/XX/year>, I submitted a request via fax to dispute inaccurate information on my credit report. To date, I have not received a response, nor has the incorrect information been removed or updated. 

As required by the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and respond to disputes within 30 days of receipt. I request this information gets removed off my credit report. 
If any questions or concerns you can reach me at XXXX also my Email 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 2024-11-27 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: FL

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX AUTO # XXXX XXXX XXXX # XXXX TRANSUNION XXXX XXXX # XXXX XXXX BANK # XXXX XXXX AUTO # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX AUTO # XXXX XXXX XXXX  # XXXX INQUIRIES 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 2024-11-27 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: NJ

Complaint narrative:
I recently reviewed my credit reports from TransUnion, XXXX, and XXXX and noticed XXXX collection accounts reported by XXXX XXXX XXXX that I believe are inaccurate. 

Account XXXX : Balance of {$560.00}. 
Account XXXX : Balance of {$450.00}. 
Account XXXX : Balance of {$1500.00}. 
Here are the issues : The balances listed do not match any of the credit card limits from my original creditors. 
XXXX of the accounts XXXX belong to someone else with a similar name, as I do not recognize it and believe it XXXX have been incorrectly assigned to my credit file. 
My XXXX credit card was paid in full prior to being closed, yet it is being reported as charged off, which is inaccurate. 
I am requesting that XXXX XXXX XXXX and the credit bureaus verify the accuracy of these accounts by : Confirming the Social Security number and other identifying information to ensure the accounts actually belong to me. 
Providing a full ledger of charges and payments for these accounts to verify their validity. 
If the accounts can not be fully validated with accurate documentation, I respectfully request their immediate removal from my credit reports.

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 2024-11-27 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: NJ

Complaint narrative:
I recently reviewed my credit reports from XXXX, Equifax, and XXXX and noticed XXXX collection accounts reported by XXXX XXXX XXXX that I believe are inaccurate. 

Account XXXX : Balance of {$560.00}. 
Account XXXX : Balance of {$450.00}. 
Account XXXX : Balance of {$1500.00}. 
Here are the issues : The balances listed do not match any of the credit card limits from my original creditors. 
One of the accounts XXXX belong to someone else with a similar name, as I do not recognize it and believe it XXXX have been incorrectly assigned to my credit file. 
My XXXX credit card was paid in full prior to being closed, yet it is being reported as charged off, which is inaccurate. 
I am requesting that XXXX XXXX XXXX and the credit bureaus verify the accuracy of these accounts by : Confirming the Social Security number and other identifying information to ensure the accounts actually belong to me. 
Providing a full ledger of charges and payments for these accounts to verify their validity. 
If the accounts can not be fully validated with accurate documentation, I respectfully request their immediate removal from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank has reported my synchrony care card, which is medical debt as no status no balance and is causing a potentially negative review on my XXXX report Recently, after some review, I have seen that they have made the corrections on my XXXX and XXXX XXXX report and appear to be reporting it somewhat correctly This is also medical debt and its less than {$500.00}.

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