vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: NJ

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-07-31 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: MD

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-07-31 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:
I am now requesting proof of the previous investigation. ( XXXX XXXX ) XXXX asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was 30 days late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: PR

Complaint narrative:
I'm in disagreetment with the account listed bellow wich still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX Account XXXX In accordance with the fair credit reporting act, public law 91-506 title VI section 611, provide the names and bosiness addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your re investigation.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I received a notification stating that there was an UNAUTHORIZED inquiry from XXXX XXXX XXXX on XXXX, I also was having issues with my Equifax report and wasnt able to see an updated account score, I am able to view the profile and its showing an UNAUTHORIZED inury from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These UNAUTHORIZED inquiries has affected my credit profile and is hindering me from using my credit. According to 18 USC 1028A these UNAUTHORIZED inquiry needs to be removed from my consumer report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: MD

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: MD

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-07-31 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: GA

Complaint narrative:
I was on Experian looking at options for personal loans. I called one of the partners of Experian who offered a pre-qualified loan. The entity was XXXX XXXX XXXX who I called to get information on the process and the steps if I wanted to submit an application to process for a loan. I never gave them authorization to pull my credit file. I received an email from XXXX XXXX XXXX stated that they denied my application. I didn't submitted information to that database to process a application. This submission was fraudulent done in tactics to harm my credit file.

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 2024-07-31 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: FL

Complaint narrative:
I am now requesting proof of the previous investigation. ( XXXX XXXX ) Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was 30 days late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated 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 2024-07-31 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I was on XXXX looking at options for personal loans. I called one of the partners of XXXX who offered a pre-qualified loan. The entity was One Main Financial who I called to get information on the process and the steps if I wanted to submit an application to process for a loan. I never gave them authorization to pull my credit file. I received an email from One Main Financial stated that they denied my application. I didn't submitted information to that database to process a application. This submission was fraudulent done in tactics to harm my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been in consilidation for a year and it's still showing up a closed account on my credit. I reach out several times to the credit bureaus and I been having a hard time. Can this account be removed ASAP. 

15 U.S. CODE If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector shall not communicate further with the consumer with respect.

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 2024-07-31 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account has been in consilidation for a year and it's still showing up a closed account on my credit. I reach out several times to the credit bureaus and I been having a hard time. Can this account be removed ASAP. 

15 U.S. CODE If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector shall not communicate further with the consumer with respect.

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 2024-07-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has been in consilidation for a year and it's still showing up a closed account on my credit. I reach out several times to the credit bureaus and I been having a hard time. Can this account be removed ASAP.

15 U.S. CODE If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector shall not communicate further with the consumer with respect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I tried to go for a virtual visit with XXXX  since they could not provide services they said I would not be charged and fully refunded. I waited 10 days and no refund was processed so I disputed the charge. My bank is now siding with the company that stated I would not be charged and is fraudulently stealing money from me for a service that was never rendered in the first place. I have email communication from the internal team at XXXX to show it was never supposed to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
AMSHERCOLLECTIONSERVICES Reported on XX/XX/year> Amount : {$810.00} I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I have 2 concerns! On XX/XX/year> I went to an appointment at XXXX XXXX XXXX for a procedure. I was told by the window clerk my charge would be {$200.00}. I later received a billed of over {$700.00}, what a surprise! I called about this but they would not make any adjustments. I began to make payments of {$50.00} per month and I received a couple of invoices, that's all. In XX/XX/year> I received a bill from a collection agency ( Medicredit ) for the balance of {$470.00}. I called XXXXXXXX XXXX to ask why my account was sent to a collection agency as I was making monthly payments to pay off the bill. I was told that because I did not call to make arrangements it was sent to collections. Why was my account not reviewed to see if I was making regular payments, and why did I not receive a notice saying my account was about to go to collections. 
I have excellent credit and I care about all monies owed for services rendered. I now have to pay a collection agency who was willing to discount the bill by almost {$100.00} to settle the debt, so why could t he hospital not do this? So, I have two Grievances : 1. I was billed more than quoted by more than {$500.00} 2. My account was sent to collections without any notice. 

I appreciate anything that can be done. I would like my account to be retracted from collections and sent back to the hospital as it was before. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccuracy on my credit report that has not been corrected despite my efforts. The account in question is Exeter Finance, which is inaccurately reported with an incorrect balance and late payments. 

I have provided evidence proving that the account balance was paid off in full as of XX/XX/year>, and that any late payments and associated fees were voided as per the agreement with the creditor. Despite submitting this documentation to the credit reporting agency, they have refused to update the account information correctly. 

Additionally, as of XX/XX/year>, the account was confirmed to be correct and accurate. However, the current credit report reflects inaccuracies that contradict this confirmed status. 

Under the Fair Credit Reporting Act ( FCRA ), your rights related to correcting inaccuracies on your credit report are specified in several key sections : XXXX. Section 611 ( 15 U.S.C. 1681i ) - Procedure in case of disputed accuracy : This section outlines your right to dispute inaccurate or incomplete information on your credit report. It requires credit reporting agencies to investigate the dispute and correct any inaccuracies found.

2. Section 605 ( 15 U.S.C. 1681c ) - Information excluded from consumer reports : This section specifies what information can and can not be included in a credit report, reinforcing that only accurate and current information should be reported.

3. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of furnishers of information : This section requires creditors and other furnishers of information to provide accurate information and to correct any errors reported to credit bureaus.The

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
HELLO XXXX XXXX XXXX XXXX, I WANT TO REPORT THAT PAYPAL COMPANY TOOK MY MONEY WITHOUT ANY REASON AND THEY KEEP TELLING THAT I VIOLATE THERE POLICY EVEN THOUGH I DIDNT EVEN VIOLATE IT THEY TOOK MY MONEY LAST XX/XX/year> WORTH AMOUNT PAYPAL STEALS ON MY ACCOUNT IS XXXX THEY CONVERT IT TO USD IM FROM XXXX IM WONDERING WHY THEY TOOK IT THEY ARE FROM XXXX PLEASE I NEED ACTION ON THIS BECAUSE THIS MONEY IS FOR MY MOTHERS MEDICATION THEY SAID THEY WILL ON HOLD IT 180 DAYS AND AFTER 180 DAYS I CAN GET MY FUNDS BUT BEFORE 180 DAYS LAST XXXX THEY TOOK IT WITHOUT EMAILING OR MESSAGING ME PLEASE HELP IM BEGGING THANK YOU Transaction ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount Paypal took to my account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This loan been in consilidation but it shows a closed account. Can this item please be removed. 
15 U.S 1692c If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer with respect to such dept.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This loan been in consilidation but it shows a closed account. Can this item please be removed.

15 U.S 1692c If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer with respect to such dept.

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 2024-07-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This loan been in consilidation but it shows a closed account. Can this item please be removed.

15 U.S 1692c If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer with respect to such dept.

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