vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: NJ

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 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 2024-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
I just received a collection from XXXX XXXX XXXX XXXXXXXX XXXX and I was wondering how would I owe XXXX without getting a bill. The billing lady never could see excaltly what I owed for but its interesting that I was refunded that same {$25.00} yet she q look up why. I also have the copay from my bank statement online, and they are paperless she told me yet found no record in my email of any bill. The fact they could not tell me for sure what I owe for is reason I want to dispute. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.

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 2024-12-04 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of identity theft, and my personal data has been used and purchased through the check system

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 2024-12-04 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: SC

Complaint narrative:
Please ensure these unauthorized accounts are promptly blocked and removed from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : Capital One Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Account Number XXXX I am sending this letter in response to a letter you sent me on ( XX/XX/year> ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : 1.

State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must ha delated and removed immediately from my credit t Repost to followers ire attempts to collect this debt must stop. 
United States sincerelv. 
( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 am filing a formal complaint against Equifax for their ongoing failure to remove inaccurate information from my credit report. Despite multiple disputes regarding these incorrect accounts, Equifax has not taken the necessary actions to correct the errors. This continued inaccuracy is having a significant negative impact on my credit score and misrepresenting my financial history to potential lenders, which is severely affecting my ability to access credit and other financial opportunities. I have reached out to both Equifax and the involved companies multiple times, yet no resolution has been provided. This lack of action is unacceptable and continues to cause me significant financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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 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 explanation
Consumer complaint received 2024-12-03 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: GA

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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

Navy Federal Credit Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I woke up this morning and noticed a drop in my credit scores and was shocked because ive been spending the last few months trying to remove all fraudulent activity that started from when i had lost my drivers license. After checking my credit reports i noticed an account that was removed before was added back onto my reports under a different name. The account is XXXX XXXX XXXX XXXX XXXX XXXX the amount that shows on the account is {$1100.00} and account number is 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I woke up this morning and noticed a drop in my credit scores and was shocked because ive been spending the last few months trying to remove all fraudulent activity that started from when i had lost my drivers license. After checking my credit reports i noticed an account that was removed before was added back onto my reports under a different name. The account is XXXX XXXX XXXX XXXX XXXX XXXX the amount that shows on the account is {$1100.00} and account number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
For the past 3 months ( XXXX, XXXX, XXXX ) I have scheduled my payments for the full statement balance on the due date just like I have Always done since I opened the account. The past 3 months, the payment date has changed once I submit the payment. The past 3 months the payment has posted to my account 1 day after I had originally scheduled the payment. The past 3 months I have been charged interest fees. The past 3 months I have called and chatted, on XXXX different occasions, with the company to get things taken care of. They did credit the interest fees in XXXX. They are refusing to credit me the interest fees for XXXX and XXXX. They also refuse to fix the problem with their system since the same situation has happened to me for XXXX consecutive months. I have never paid a bill late with this company and I have always paid the statement balance to avoid any interest fees. Something mustve changed on their end that is now having my payment post a day late. 
Update : I scheduled a payment on XXXX XXXX for the total statement balance to be posted to my account on XX/XX/2024. I took a screenshot as my proof. I then pushed submit and the companys system changed the payment date to XX/XX/2024, which is one day later than I selected. I have a screen shot of this as well as my proof. This same thing has been happening since XXXX. They are refusing to accept responsibility and keep trying to blame me, the customer, for my payments being late yet I know I did not schedule them late, their computer system is changing the date after it has been submitted. The company is refusing to look into their computer system to see if it is making mistakes since XXXX and the data breach occurrence in XXXX. They are not willing to o anything except charge my interest fees. Like I stated, I have proof that their system is at fault for changing the payment date which caused me to be wrongfully charged interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete reporting on my credit file with Experian. There are issues related to medical and credit accounts, including missing data, inconsistent reporting, and violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Specific Items in Dispute : XXXX. XXXX  XXXX Account Reported with missing, inconsistent, and incomplete data fields. 
Missing telephone number, activity date, and past due amount. 
Inconsistent reporting of account terms, payment status, and creditor remarks across different bureaus. 
XXXX XXXX XXXX XXXX  Account Reported with missing or inconsistent data. 
Missing data on last payment date, account status, and creditor remarks. 

Issues Identified : Inconsistent Reporting : Data reported inconsistently across multiple credit bureaus, violating the 5th point of XXXX XXXX compliance. 
Unverified Data : Failure to provide evidence substantiating the accuracy of reported information, such as itemized statements for medical collections.

Missing Data : Key data points such as the telephone number, activity date, and past due amount are missing, which impacts the credibility of the reported data.

Requested Resolution : 1. Immediate removal or correction of the disputed items related to XXXX XXXX and XXXX XXXX XXXX  accounts. 
XXXX. Provide documentation verifying the accuracy and compliance of the reported data, including evidence of the itemized statement for any disputed medical collections.

3. Provide a full description of the investigation process and the procedure used to forward information to the creditor, as required by FCRA 611 ( a ) ( 7 ).

Impact : These inaccuracies have negatively affected my credit score, leading to credit denials and higher interest rates.

I request a response within 15 days. If the disputed items are not corrected or the requested information is not provided, I will pursue further 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 explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
I filed a FTC identity theft to report these separate fraudulent accounts. I just became aware when XXXX  XXXX and discover sent letters saying they were XXXX etc behind. They would not remove them after countless calls. I had to file debt repair and keep paying to it wouldn't affect my credit even more. I had no idea I could file a report so that's why i'm doing this now. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credible report. I demand the aforementioned fraudulent items be removed from each of my consumer report and all collection activities related to said items cease persuant to my rights with the FCRA and FDCPA law. 
additional inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  additional account : XXXX  XXXX. 
I do not recognize the aforementioned accounts, collections, and hard inquiries in question. 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 inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all 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 2024-12-03 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: IL

Complaint narrative:
I filed a FTC identity theft to report these separate fraudulent accounts. I just became aware when XXXX  XXXX and discover sent letters saying they were XXXX etc behind. They would not remove them after countless calls. I had to file debt repair and keep paying to it wouldn't affect my credit even more. I had no idea I could file a report so that's why i'm doing this now. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credible report. I demand the aforementioned fraudulent items be removed from each of my consumer report and all collection activities related to said items cease persuant to my rights with the FCRA and FDCPA law. 
additional inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  additional account : XXXX  XXXX. 
I do not recognize the aforementioned accounts, collections, and hard inquiries in question. 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 inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-12-03 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: NY

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 explanation
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
Details of the Dispute : 1. Inaccurate Reporting : I have identified an account ( XXXX XXXX ) that is not being reported correctly on my credit report. Experian has recently decided to report that this account is in collections as recent as XX/XX/XXXX all the way back to XXXX of XXXX. Every time I dispute this account they change it back to showing the account was in collections as of XXXX of XXXX. They have not provided proof for either of these reportings. I have disputed multiple times. 

2. Attempts to Resolve : I have made multiple attempts to contact Experian to correct this inaccurate information. Every time I file a dispute with them they change the report back to its previous status.

3. Negative Impact : As a result of this incorrect reporting, I have experienced multiple declined credit requests, higher interest rates, and other negative actions. This situation is not only affecting my financial well-being but also my overall quality of life. 

Demand for Resolution : Given the ongoing issues and the negative impact on my credit profile, I demand that Experian : - Remove the account in question, as it has not been reported correctly after multiple reasonable attempts to have it corrected. 
- Provide me with written confirmation of these actions. 

I trust that the CFPB will take my complaint seriously and investigate this matter thoroughly. It is crucial that credit reporting agencies like Experian adhere to the Fair Credit Reporting Act and ensure that the information they report is accurate and up to date. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the actions taken on my behalf.

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