vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: NJ

Complaint narrative:
I am conducting a forensic audit on my credit profile and discovered that you are reporting inaccurate information on my credit report. This account XXXX XXXX XXXXXXXX has been charged off, which means the creditor has forfeited the right to collect on this account which is now a taxable income of which I have assumed tax liability for it as an income to me according to IRS. 
I have requested a XXXX Cancellation Of Debt Form from the original creditor but they declined and denied charging of this account as well as stated that they are not obligated to issue me a XXXX. 
Please be advised that this account has multiple inaccuracies eg, CO was listed multiple times instead of once. XXXX XXXX XXXX states that you have a responsibility to report maximum accuracy on my credit report. 
Ultimately, this creditor is in violation of my rights under FCRA, XXXX XXXX XXXX and XXXX XXXX XXXX which states that the creditor must obtain written instruction from me permitting them to report my information to the credit bureau. Secondly banks and credit bureaus are passing around my information without proper authority. 
Please, I need this account deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: MI

Complaint narrative:
All the listed accounts need to be removed. They are affecting my ability to obtain credit to continue running my business. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-12 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: MI

Complaint narrative:
All the listed accounts need to be removed. They are affecting my ability to obtain credit to continue running my business. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed in my credit report, as I have been a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed from my credit file.

Below are the fraudulent accounts I request to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX XXXX : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX 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 - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX 2024

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 2024-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: ID

Complaint narrative:
I received a call from an agent of XXXX XXXX XXXX in XXXX XXXX XXXX, Utah claiming I owed a balance of {$200.00} on a claim for laboratory services from XX/XX/XXXX reporting my address somewhere in Utah. I have lived in Wyoming for 24 years until moving in XX/XX/XXXX. 

I asked for a copy of the claim so I could contact XXXX and XXXX of XXXX. I was told they could not email me the information. 

I had no lab services in XX/XX/XXXX anywhere and certainly had not lived at any address in Utah ( I lived on a ranch in Wyoming until XX/XX/XXXX ). 

The agent kept repeating he was just trying to help me. I kept telling him to send me the Explanation of Benefits ( E0B ) by email or text. He kept repeating he needed my address which I was unwilling to give to him because the whole thing sounded like XXXX fraud to me. 

He was calling from XXXX at XXXX hrs today XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$3900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> : I had several health expenses that I wanted to reimburse myself for and attempted to link my checking account with XXXX ( serviced by XXXX Bank - routing # XXXX ). The website reported an error that said, " the routing number is restricted ''. 
XX/XX/year> : I emailed HSA Bank 's customer support and requested that they unblock the routing number. 
XX/XX/year> : I received a reply that I would need to call into their customer support because, " this question is more accurately addressed when a back-and-forth verbal dialogue can be utilized ''. I replied by asking for the answer in writing and insisted that they call me if it was necessary. 
XX/XX/year> : I received a reply stating they would call me. 
XX/XX/year> : I received a call and was given a simple explanation of, " they aren't a brick and mortar bank, so we don't do business with them ''. I pushed for more detail and was told it is a company policy and there was no recourse. I asked to receive this information in writing and they refused. The call lasted 2 minutes. 

This is very frustrating and nonsensical : 1. This is the checking account I use for everything - my mortgage, my car loan, all of my utilities, and credit cards. It's FDIC insured. I don't understand the distinction they are making. 
2. Their solution is mailing me a check which I am able to electronically deposit into the same account that I wish to be able to link and do an EFT instead. I requested checks on the 6th and still have not received them. Why are they involving paper and postage and delaying things for a week when it can happen electronically in a day?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
XXXX XXXX to whom it may concern This letter is my formal written request for you to investigate the following & quot ; Unverified & quot ; accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately 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 2024-11-12 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: FL

Complaint narrative:
XXXX XXXX to whom it may concern This letter is my formal written request for you to investigate the following & quot ; Unverified & quot ; accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. 

The account in question is listed as XXXX XXXX XXXX XXXX. This account was closed on [ XX/XX/year> ], and the balance should have been updated to reflect zero at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the XXXXhree credit bureaus. 

Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error.

I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. 
Removal or correction of any inaccurate information regarding the balance on this account. 
Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. 

Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 

Sincerely, 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXXXXXX - XXXX - {$120.00} XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In late XX/XX/year> I sent my first mortgage payment to XXXX for XX/XX/year> payment. On XX/XX/XXXX the check was cashed, per my XXXX checking account bank record. 

Mr. Cooper, the new loan servicer, said my XXXX payment was still due, and when i sent them proof it had been received by XXXX  ( sent to me by XXXX XXXX, Mr. Cooper wrote bank the documentation was insufficient, and they had no evidence of receiving the XXXX payment. 

In XXXX, " XXXX '' with Mr. Cooper was able to get a rep from XXXX on the phone to confirm the XXXX payment had been made. The call ended with XXXX unable to get from XXXX a tracking number, date of payment or other proof, but a promise to me that they would work it out with no impact to my loan or credit score. 

I continued to receive payment due calls from Mr. Cooper, and in a call in XXXX was told by XXXX and another XXXX representative that my payment had been found in a bulk payment by XXXX. 

It is now XX/XX/XXXX. I have made each of the subsequent mortgage payments ( plus principal overpayment ) to MrCooper to avoid a credit delinquency, but the missing amount of the XXXX payment has still not been credited to my account. As a result my overpayments to principal each month have also not been credited ; and I continue to receive payment due phone calls from Mr. Cooper. Every call to MrCooper ends in assurance that they are just waiting for the wire service to credit the payment and all will be good, but nobody will give me any assurance in writing, and we are now past the 60 days California gives for transferring a loan without jeopardizing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-12 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency : XXXX XXXX Address XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX Account number XXXX NAME XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX MO XXXX Dear, XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report is showing an account that belong to someone else, which is unfairly impacting my credit score.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I didn't receive a loan from this company LVNV funding.this company is saying that I owe them XXXX $ and it's reported in my credit report.i called this company and I tried to resolve the matter.i want this off of my credit report immediately.this is fraud

Company response to consumer: Closed with explanation