vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-07 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: CA

Complaint narrative:
I discovered inaccurate information on my credit reports related to debts that were publicly declared as paid in full. On XX/XX/XXXX, a " Notice to Creditors '' was published in the XXXX XXXX XXXX, confirming that all debts belonging to XXXX XXXX XXXX had been resolved. This notice ran multiple times until XX/XX/XXXX. Despite this, the debts remain listed on my credit reports, which unfairly impacts my creditworthiness. 

To address this issue, I filed disputes with the credit reporting agencies ( XXXX XXXX, XXXX, XXXX, and TransUnion ) and provided them with the official advertisement proof as evidence. However, the credit bureaus failed to update or remove the inaccurate information from my credit reports. This lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires the agencies to investigate and correct inaccurate information in a timely manner. 

The debts listed on my reports have been fully resolved, as verified by the public notice, and the continued reporting of these debts as unpaid is misleading and harmful. I am seeking the removal or accurate updating of these accounts to reflect their true status. 

I hope this description helps others who may face similar issues and encourages companies to comply with their legal obligations under the FCRA

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 2025-01-07 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: CA

Complaint narrative:
I discovered inaccurate information on my credit reports related to debts that were publicly declared as paid in full. On XX/XX/XXXX, a " Notice to Creditors '' was published in the XXXX XXXX XXXX, confirming that all debts belonging to XXXX XXXX XXXX had been resolved. This notice ran multiple times until XX/XX/XXXX. Despite this, the debts remain listed on my credit reports, which unfairly impacts my creditworthiness. 

To address this issue, I filed disputes with the credit reporting agencies ( XXXX XXXX, XXXX, Equifax, and XXXX ) and provided them with the official advertisement proof as evidence. However, the credit bureaus failed to update or remove the inaccurate information from my credit reports. This lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires the agencies to investigate and correct inaccurate information in a timely manner. 

The debts listed on my reports have been fully resolved, as verified by the public notice, and the continued reporting of these debts as unpaid is misleading and harmful. I am seeking the removal or accurate updating of these accounts to reflect their true status.

I hope this description helps others who may face similar issues and encourages companies to comply with their legal obligations under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: GA

Complaint narrative:
My dad called me on XX/XX/XXXX saying that he received a text saying I owe {$1400.00} to a debt collection agency. I contacted the number he gave me and they told me it was a physician charge from a hospital visit in XX/XX/XXXX. There is no record of this physician group ( XXXX XXXX XXXXXXXX ) filing with my insurance, providing me a bill, providing a notice that I was in danger of going to collections, etc. I've contacted them multiple times since XX/XX/XXXX to receive a copy of these things and have always been refused. I have filed complaints against the physician group with the appropriate channels. 

According to the Fair Debt Collection Practices Act 1006.34 Notice for Validation of Debts, a debt collector must provide a consumer with validation information within 5 days of the initial communication, so I should have received this in XXXX because that was the first time I ever heard of this debt collection. I never received it. 

On XX/XX/XXXX I received a text from National Recovery Agency stating that I was being reported to the credit reporting agencies XXXX, XXXX, and XXXX. I called them and said I needed a written debt validation letter. I spoke with XXXX at XXXX. She said that it would take 7-10 business days and that it would not be a problem to provide this. As of XX/XX/XXXX, I still have not received this letter. 

On XX/XX/XXXX I called National Recovery Agency again and asked when I was sent to collections. They said I came into their office on XX/XX/XXXX and have been in dispute since XX/XX/XXXX, but there were no further updates on my dispute over 3 months later. I told her that based on XXXX - Consumer Protection for Medical Debt Collections Act, they could not collect a medical debt less than XXXX XXXX XXXX. She said that she needed to ask her manager. She came back and said that her manager said they can collect it. I said that according to this act, they can't. XXXX said it might depend by state. I said This is a federal act so it applies nationwide. She said I dont know thats just what my manager told me I was able to contact the National Recovery Agency on XX/XX/XXXX and tell them that Im filing this complaint for being in violation of these acts and not providing a written debt validation letter. They did not respond to me saying that other than asking if I want to be put on the Do not call list, which I said yes to. 

I have attached copies of the text message that they sent me ( they sent it two times in XX/XX/XXXX ). This is the only written contact that has happened. I do have MUCH more detailed information about my conversations with XXXX  XXXX XXXX if that is needed.

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 2025-01-07 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Be advised that I am fully aware of my right under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act For instance, I know that : I have disputed this debt ; therefore until validated you know your information concerning this debt is inaccurate. 15 usc 6802 or 15 usc 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 am a victim of identity theft. Ive contacted all credit bureaus, file a report police report, contacted all furnisher, and contact all banking institutions. XXXX, XXXX, and transunion has not properly investigated this matter. 
This has cause my family and I significant amount of financial burden and would like to bring further action and awareness to the steps not taken into correction of this matter

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 2025-01-07 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 am a victim of identity theft. Ive contacted all credit bureaus, file a report police report, contacted all furnisher, and contact all banking institutions. XXXX, Equifax, and XXXX has not properly investigated this matter. 
This has cause my family and I significant amount of financial burden and would like to bring further action and awareness to the steps not taken into correction of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I know longer have the vehicle trying to lower payments however got denied facing severe hardship issues. Have 2 car loans one for a vehicle I Don't have anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Leaders Financial Company
State: NJ

Complaint narrative:
When I get this loan with the company Leaders Financial they never told me never contact me after the loan deal so I never knew when was my payment due they sent me a month later the book of payments with the actual date the day used to be the XXXX of each month and I payed the very first six months paying that I tried to contact the company trying to figure it out why they keep charging me late fees then I change my due date to the XXXX of each month and they still charged me late fees but I never pay late I always pay on time. I have everything on my bank statements that I pay Everything on time never late and they just charging me like pretty much that month that they took to send me the book to me. They charging me that over the past four years, I called them and they told me that that was a mistake and I dont have any late fees then my last payment was XXXX but they threaded me saying that I have XXXX late fees which is totally unacceptable I have never missed a payment and never passed the XXXX grace period days, so if I dont pay those late fees I wont get my title, then I couldnt pay them off on XXXX then they decided to report to collectors and affected my credit drastically!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I have a debt collector who calls multiple times trying to collect a debt which is totally understandable and acceptable. However I have never given my work phone number as an option to call considering I work in an office that doesnt allow personal calls. This debt collector just stated that they were gon na reach me at my job until I have paid amount in debt. I can not have them calling my work phone as I can be terminated for taking personal calls. They called my XX/XX/year> at XXXX. I would like my work phone at least removed from their list to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please have them remove these items 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 2025-01-07 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: Global Lending Services LLC
State: LA

Complaint narrative:
I XXXX XXXX, is reaching out because I pulled my credit report and you guys are reporting inaccurate personal information on my behalf. I XXXX XXXX have incorrect name on my credit report I have inquiries on my credit reports that I have not authorized and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Equifax regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5500.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXX  has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly.

Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Equifax showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Equifax. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
Attempted to validate the debt in the amount of {$820.00} listed on credit report through company by providing a debt validation letter, advised contact need to be directed to facility whom reported the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I received my latest PNC credit card statement on XX/XX/year> which showed purchases of {$3200.00}, this is {$3000.00} more than what should be. Where the charges are listed there is a XXXX " adjustment - payments '' listed for {$3000.00} & {$36.00} listed for finance charge for previous cycle purchases. This the entirety of explanation for adding these charges to my credit card. Yesterday I paid off the legitimate amount of charges @ {$1200.00} and cut up the credit card as this will certainly end this relationship. 
There is no point calling credit card services as this support is in some 3rd world country that provide scripted general answers. Also, this is a pretty blatant fraud attempt. I have my receipts for my payments made previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Experian regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4500.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly. 
Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Experian showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Experian. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation