vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: CO

Complaint narrative:
Equifax has not responded to my dispute for a 30 day late reflected on my consumer report from XX/XX/2023 on my XXXX XXXX account. I was not 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I contacted XXXX XXXX upon returning home in XX/XX/year>, went to his practice and he became very hostile demanding more than what I owed. I informed him that the company deducted funds from my account and did not give me credit on several occasions. I offered him I think {$600.00} and he demanded XXXX and some change. I left XXXX XXXX and his secretary followed me out the door taking pictures of my license plate. 

A few years ago Eaton Group, Attorneys, L.L.C aggressively contacted me demanding almost XXXX of which I definitely wasn't going to pay especially when I had contacted the previous attorney to settle the case with funds, I should've been renovating my home with. Eaton Group is currently trying to garnish wages from my employer, they have ignored my request both verbally and by email. I have recently sent them a written letter requesting the original contract and amount along with payments. The only time the company has responded is when I filed a complaint with the XXXX XXXX XXXX I have not received one response to an email or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
Healthcare Financial Services has reported 3 accounts to my credit report all showing past due balances. These accounts are collection accounts and can not legally have past due balances based on the FCRA. The accounts are updated monthly to further damage my credit each month. The dates and amounts are listed below : XX/XX/year> {$1600.00} XX/XX/year> {$2600.00} XX/XX/year> {$860.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my Trans Union and XXXX and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.

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 2024-03-20 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: GA

Complaint narrative:
Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my XXXX XXXX and Equifax and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc.
State: WA

Complaint narrative:
This complaint is a follow-up to complaint XXXX, whereby it was described how this debt collector ( RCI Billing ) reported a delinquent medical account to credit reporting agencies in XX/XX/2023. The delinquent balance ( s ) of {$1400.00} and {$290.00} were reported to credit reporting agencies between XXXX and XXXX. Each amount was false and inaccurate. I provided documentation showing how my original balance with XXXX XXXX XXXX account was reprocessed and covered by my health insurance plan. 

In RCI Billing 's response to my complaint, it confirms that my current balance is not {$1400.00} or {$290.00}. In fact, RCI Billing confirmed that it had already been informed by XXXX XXXX XXXX in XXXX that the medical account balance was reduced from {$1400.00} to {$40.00}. Still, for several months RCI Billing continued reporting a greater ( incorrect ) medical account balance to credit reporting agencies. Doing so, violates the Fair Credit Reporting Act ( FCRA ). Moreover, it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) to report delinquent medical bills to credit reporting agencies, without first attempting to collect the debt. 

RCI Billing has not ever attempted to collect {$40.00} from me. Therefore, they should not have flagged the account as delinquent or reported the medical bill to credit reporting agencies. Despite its acknowledgments RCI Billing has not offered any path towards resolution. In complaint XXXX, I requested for RCI Billing to remove all references of this medical debt from the credit bureaus. In this complaint, I am also asserting that I have a right to pay a debt before it is reported to a credit bureau. At this point, RCI Billing has not honored that right.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Innovis refuses to delete incorrect information that they are selling for profit. Innovis does not have my permission to use my name or the likeness of any of my personal information to profit. If innocuous believes they have a right to report this information forward the document that I signed that explicitly states I gave permission for this information to be released which puts my data in jeopardy of being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CT

Complaint narrative:
XXXX and XXXX XXXX XXXX account open on XX/XX/XXXX and XX/XX/XXXX I have no knowledge of these account they were deleted of my credit report at one point I been a victim of many glitches were my identity has been stolen through XXXX XXXX XXXX, the post office as well as XXXX and I also. Have a fraud alert which I am never notify of and inquiry made on my accounts I have try requesting validation of these account and have not received any they just update the account with out removal I want the accounts removed I also have a hard inquiry that I did through XXXX and it was said I will not affect my credit and it did from XXXX  XXXX on 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 non-monetary relief
Consumer complaint received 2024-03-20 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: CT

Complaint narrative:
XXXX and XXXX XXXX XXXX account open on XX/XX/XXXX and XX/XX/XXXX I have no knowledge of these account they were deleted of my credit report at one point I been a victim of many glitches were my identity has been stolen through XXXX XXXX XXXX, the post office as well as XXXX and I also. Have a fraud alert which I am never notify of and inquiry made on my accounts I have try requesting validation of these account and have not received any they just update the account with out removal I want the accounts removed I also have a hard inquiry that I did through XXXX and it was said I will not affect my credit and it did from XXXX  XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XXXX, XXXX  I was charged a late fee on my Amazon card managed by Synchrony Bank. A late fee was imposed due to Synchrony 's failure to debit my bank account on the date the payment was scheduled on the due date. I contacted Synchrony and they refused to remove the late fee claiming that I had not made a total minimum payment when I actually did but Synchrony applied a portion of that payment to the erroneous late fee, and that I had made a purchase in XXXX, when I actually had not. I did receive a credit in XXXX for a purchase made in XXXX that I did not receive. Synchrony refused to remove or credit my account for the erroneous late fee. I have made several attempts to remedy the issue, and informed Synchrony that I would not pay a late fee due to their error, however, Synchrony has continued each month since then to add late fees to my account after I have deducted the erroneous late fees from the monthly amount due, then Synchrony adds another late fee the following month claiming I did not pay the minimum amount due, which I did after subtracting the erroneous late fees. In addition, each payment has been applied to the erroneous late fees, rather than the balance, even though the monthly payments have been made on time. I have attempted to contact Synchrony 's corporate office but calls the number listed is sent directly to a voicemail box that is full and can not accept new messages. The late fees imposed to date have added up to well over {$200.00}.

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 monetary relief
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

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 2024-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 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: MS

Complaint narrative:
There are accounts on my credit report that I dont recognize and are fraudulent. My social security number was stolen and used to get loans and tried to get vehicles.

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 2024-03-20 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: MS

Complaint narrative:
There are accounts on my credit report that I dont recognize and are fraudulent. My social security number was stolen and used to get loans and tried to get vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I am formally disputing and requesting the update of incorrect data from my credit report concerning late payments. It's crucial that these accounts are corrected to reflect the payments accurately and any erroneous information is rectified promptly. 

The late payments in question pertain to the following accounts : XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

In instances where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

Moreover, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.

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 2024-03-20 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: AR

Complaint narrative:
I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all 3 credit bureaus ( XXXX Equifax and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW! 

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall.. 
( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix

Company response to consumer: Closed with non-monetary relief