vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: AL

Complaint narrative:
Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent a letter to TransUnion on XX/XX/2024, regarding a collection account that is on my credit report. I sent a letter to the Collection company and it was returned for insufficient address. On the letter I sent to TransUnion I informed them of this as well as informed them, the responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. I requested they remove this account due to the FCRA violation. 

They responded with INVESTIGATION RESULTS : VERIFIED AS ACCURATE ''. Which means they obviously did not do an investigation because I still have not been provided with an accurate address, This is over 90 days ago and this account needs to be removed off 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/16 acitibank in : XXXX XXXX XXXX XXXX. XXXX, VA XXXX put a block on my account and refused to issue my withdrawal.

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 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Assetcare LLC is the current, and the third debt collection firm to harass me about a medical bill that is because the hospital involved, XXXX XXXX in XXXX Ohio, did not follow proper veterans administration building procedure and field on their own to get the bill paid. 

I even had the VA call them on my behalf, and the VA representative who had contacted XXXX XXXX XXXX said they refused to resubmit the bill to the VA for my care as an XXXX XXXX veteran. 
But XXXX XXXX XXXX did then cell the bill on the secondary market I soon found out. 

So the first bill collector tried to collect I went through the whole spiel with him, and they dropped it and that was that but now theres another collector, XXXX XXXX, but I also spoke to and that I gave the same story to the hospital didnt do their billing correctly I dont owe that bill it is not mine. 

XXXX XXXX put a collections item on my credit report like the previous company had but pull down when they agreed with me that no it was not my bill. 

So I disputed this credit collections on my credit report with XXXX. And XXXX XXXX denied the request because they said assetcare had a bill. Apparently all anyone has to do to see anyone else owes the money is just to say well I have a bill I bought it myself on the third-party market for debt. And the in collections status is still on my account. 

I will attach the screenshots of the item in question to this when I submit it. 

Unfortunately I dont have access to any original billing materials, because the hospital involved initially pitched it. And the bill collector only has a name, and a dollar amount. They paid good money I assume on the open debt market, and they want this veterans cash. I assume theyre trying to squeeze me out using the threat of it being on my credit report forever. 

XXXX assuming thats how their entire business works. 

But this is my point. I am a veteran. I have a VA medical card. This bill was incurred at XXXX of those fast medical support XXXX places, for {$1200.00} total. When I went there I gave them my VA card they took a copy of it I had no other insurance. And I still dont. Because I count on my country to look after me after my service ended. 

And again, when the hospital started coming after me and I contacted the VA, and the VA actually went to the trouble of contacting billing at XXXX XXXX to straighten it out, the guy at the VA called me back and said XXXX XXXX refused to work with the VA on straightening this out. 

As far as this goes they wan na leave that there forever XXXX more than happy to help because they arent getting a dime out of this veteran. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on 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 2024-04-17 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2024 I checked my Experian consumer report and noticed quite a few unverifiable inaccuracies, there were XXXX inaccuracies to be exact. I filed a dispute to have the invalid information removed and Experian received my dispute notice on XX/XX/2024. The inaccuracies were removed on XX/XX/2024. As a consumer reporting agency, you're responsible for providing true and accurate information yet you failed to do so and have acknowledged the fact you failed to do so by removing the inaccurate information. According to 15 USC 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION ( 1 ) you've violated my consumer rights by reporting false and inaccurate information on my consumer 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 2024-04-17 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I just wrote a letter stating, 15 U.S. Code 1692c - Communication in connection with debt collection states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-17 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: LEXISNEXIS
State: FL

Complaint narrative:
XX/XX/2023 report of Bankruptcy by XXXX XXXX XXXX Lexis Nexis and XX/XX/XXXX of discharge. This was not reported by the bankruptcy courts, my information was looked up illegally and was reported to the credit bureaus by Lexis Nexis which needs to be removed from my XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I started to use my credit card for some business expenses in late XX/XX/year>. My credit limit was {$55000.00} at the time. I was shocked to see that my balance on the card was {$97.00}, XXXX for my XX/XX/XXXX statement. I called Bank of America on XX/XX/XXXX or XXXX ( I can't remember the exact date ) and asked how my card got a bill of XXXX XXXX  when my credit line was {$55000.00}. The person at BofA did not know. Eventually, they got a manager on the phone who told me that they have never seen anything like this before. I was told that the only way for me to stop the new charges from occurring was to report the card as stolen and hope that the recurring charges would end. 

Bank of America allowed the recurring charges to take place above my credit limit. I thought that a credit limit was a limit- meaning the businesses could not charge above the credit limit. 

I was deceived by Bank of America. What does credit limit mean??

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 2024-04-17 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: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
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  ) These companies have denied me resolutions and I have chosen to put it on my credit to do damage. I have offered resolutions, and none have been accepted. I was charged for phones I never did receive and service I never used. I was also charged for phones in my father 's name, and he has since passed away during that time and I notified them of this horrible experience.

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 2024-04-17 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VICTORIA SECRET/ COMENITY BANK 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 These companies have denied me resolutions and I have chosen to put it on my credit to do damage. I have offered resolutions, and none have been accepted. I was charged for phones I never did receive and service I never used. I was also charged for phones in my father 's name, and he has since passed away during that time and I notified them of this horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
After reviewing my Equifax credit report, I can see information that were not authorized. I'm a victim of Identity theft and this information is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First Credit Services Inc.
State: FL

Complaint narrative:
First Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Alleged debt with XXXX XXXX XXXX account number XXXX. OWE {$540.00} Have no knowledge of this financial company Have never had an account with them if they are an actual company Have not been provided with documents of the alleged Account on which to respond. 
Notice arrived in plain envelope with no return name, only address. 
No specific personal identification factors such as : SS #, Address, Birth Place, prior residence, location of alleged company, prior residence, family members, other financial concerns. 

Name is easily found based on XXXX XXXX XXXX from prior years. 
XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX 
Would have been fired for failure to use sound financial management and further bad debt issues. 

Blocks on all XXXX credit reporting agencies and have never had notice of XXXX XXXX XXXX XXXX reports do not list any activity with any business called XXXX XXXX Currently : No Mortgage : Home is and has been paid for. 
No car payments No motorcycle payments All Taxes paid on time for years as well as Home insurance Credit rating of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Same factors for wife. 

Attempt at Fraud, Fake, Phishing for information.

Obviously wrong person or guessing at the multitude of same name persons easily obtained from simple search on Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX 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 2024-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Nations Direct Mortgage, LLC
State: TX

Complaint narrative:
I have been hit with a mortgages increase from XXXX XXXX XXXX This was due to a mistake on my taxes. They have my taxes at over XXXX and my taxes are only XXXX according to the county XXXX XXXX tax assessor. I have called numerous times because this huge swing can cause me to lose my house and no resolve. They have moved so slow that I am almost at the 30day late mark. I make my payments on time and think this is unfair. They should be able to read tax bills better since this is what they do.I sent the correct tax bill in over a month ago before the new payment would be due and still nothing. They advised that they made a mistake and billed me for 4 parcels when I only own one. This is causing a huge hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief