vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: IL

Complaint narrative:
I have been on the market for home purchase as stipulated by lender I had to pay off collections in which Ive done n full. The credit bureaus have yet to update credit report as I have continuously disputed still same results. The lender read off my old data but the bureaus have my report updated on my end so why is the lender not getting the updated report. Ive sent receipts and letters from creditors as well as the creditors my account have been paid still nothing. I am unable to qualify for a mortgage because of this matter and when you call they hang up on you. I need this matter rectified for I am at a stand still with obtaining a mortgage and I have to continue to pay XXXX rent is absurd. Why should I have to pay a credit repair company when Im competent enough to fix my mishaps in which Ive done .XXXX, equifax needs to be audited. Please review these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Snap Recovery, Inc.
State: NJ

Complaint narrative:
Date of service XX/XX/XXXX : The collection agency reached out to me on XX/XX/XXXX via text message about an unpaid balance from the date of service XX/XX/XXXX. My insurance informed me that the reason why this was unpaid is because the doctor did not submit the claim correctly. This type of visit is fully covered under my plan and would be paid in full by the insurance company. I followed up with my insurance company multiple times and they informed me that the doctor kept submitting the claims incorrectly such that the insurance company was unable to process them. I informed the collections agency and she put the account on hold. This process repeated from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, the collections agent called me and said that they would no longer hold the account and they would be escalating this case further unless I paid them today. I contacted my insurance, who called the doctor. The doctor refused to resubmit the claims and refused to work with us further. We informed the collection agency and she refused to place the account on hold or try to convince the doctor to resubmit the claim. 

Date of service XX/XX/XXXX : The collection agency informed me of a balance due for the date of service XX/XX/XXXX. However, I paid the full amount the doctor charged me prior to leaving the office. I have a receipt that the doctor emailed to me after I paid them. The balance the collections agency is asking for is also larger than what the doctor billed me for. The doctor also did not submit the claim for this date of service correctly. The insurance went through the same process as the XX/XX/XXXX date of service claim to explain how it needed to be submitted, and the doctor refused to resubmit the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not give consent for these inquiries and firmly suspect they are fraudulent. I request a comprehensive investigation and swift removal 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 explanation
Consumer complaint received 2024-03-14 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: CL Holdings LLC
State: OH

Complaint narrative:
Multiple different inquires from auto lenders listed multiple times hard inquires that i do not know of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MCM has practiced multiple deceitful and illegal attempts to collect a debt that is not owed. They have called me numerous times while never sending out any written notification about the debt. They contact my employer trying to verify information on me or collect the debt. 
they have continued to reach out through phone despite being asked to reach out via email or mail. 
when they call they do not identify the company at all and ask you to verify personal data information like social security number and address or date of birth. 

it is clear they do not have accurate information of this supposed debt and continue to harras me in multiple ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX and 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 2024-03-14 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: NY

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. 
Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 

XXXX5 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 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 explanation
Consumer complaint received 2024-03-14 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: OH

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors on XXXX XXXX in regards to the unauthorized inquiries and they have NO proof I initiated such Inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
First Im a XXXX veteran, I have never ever been late on any bill. My credit at the time was about 750 per experian. I had a capital one credit card XXXX XXXX XXXX XXXX, expired XX/XX/25. I very rarely used it but I bought my friend flowers XXXX day, the bill was roughly XXXX usd. I use XXXX but I went to a local Capital One bank and told the teller to pay the total amount. I usually always have at least XXXX in my checking account, which I did. I use XXXX to monitor my bank account. I've had a XXXX so its smart to have a company that montiors my checking account. They sent me a message and I checked my account and noticed that the teller let {$2.00} left on my bill. First of all it makes absolutely so sense at all would I leave XXXX dollars left on a bill. It has gone over 90 days. My credit went from 750 to 620! XXXX told me it was courtesy that Capital One would take care of it, I sent them a letter and they told me it would be taken care of. XXXX has called them, emailed them & they keep telling me they will take care of this. I have been doing this for years! Im a XXXX veteran  and my credit is extremely important to me. Now I need a small loan and they still havent taken care of this. Capital One has ruined my credit for XXXX. If I had enough money to hire a lawyer I would. Why would they ruin my credit for their own mistake!! Please Help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer

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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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 2024-03-14 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: TX

Complaint narrative:
I have checked and acknowledged the response from Equifax regarding my previously filed complaint. However, there are still numerous discrepancies and inaccuracies in their reports, despite their claim of having verified them with the original creditor. I provided them with a screenshot of the accounts in question, demonstrating that their verification and investigation process was unsuccessful. 

Secondly, XXXX has failed to provide me with further statements or explanations on how they verified the inaccuracies of the disputed accounts. They merely mentioned that they were verified, without detailing their investigation process. 

Lastly, XXXX has not yet responded to my dispute. I can not wait another 30-45 days to file my complaints again because this is adversely affecting my scores and financial plans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address 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 2024-03-14 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: IL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items 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 explanation
Consumer complaint received 2024-03-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 2024-03-14 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: PA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
I have XXXX companies that have reported false information XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX I am uploading proof that I never owned these accounts I applied for a home on XX/XX/XXXX XXXX I was approved then these accounts were added and they denied me XX/XX/XXXX my move in date now I need these accounts removed so I can try and get a place to stay XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized accounts and are a violation of 42 U.S code subsection 12203 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My account was hacked and I was given false information to wire money to a client on XX/XX/XXXX. I wired {$22000.00} from JP Morgan Chase to XXXXXXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX. I filed a report with XXXX  research team @ XXXX XXXX XXXX - XXXX. I was told that the XXXXXXXX XXXX issued a request for a hold harmless letter, but Chase could not confirm whether XXXX XXXX  indeed received this letter. I was then connect to my banking manager XXXX XXXX who told me that they would research it. I was then passed to his manager XXXX ( refused to give last name ) who also informed me that there was nothing they could do and were subject to their systems and could not directly call XXXX XXXX and would have to wait for a response. I have requested information more than XXXX times and am always told that the banks will not speak to each other and have to wait until a response. I am now being told that if XXXXXXXX XXXX  doesn't respond in 180 days, Chase has the right to close the case if no response is received. It appears that both banks are content with no response until such time that they can close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: WA

Complaint narrative:
In XX/XX/XXXX, and XX/XX/XXXX I reached out to XXXX in regards to incorrect information listed on my credit report. I also filed a dispute with XXXX and TransUnion in regards to the incorrect information being reported on my credit as a balance instead of paid in full due due to the discharge letter I received. After XXXX rounds of disputes with XXXX XXXX TransUnion. They continue to certify it as true and accurate regardless of edfinancial sending updates to the credit bureaus in XX/XX/XXXX, and XX/XX/XXXX as paid in full. Also, I have filed dispute, sending them the documentation at XXXX XXXX  sent me as a paid in full letter, and they still have disregarded and continue to report balances when there is no balance to report and the account is paid in full.

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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by 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