vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and erroneous information being reported on my credit report by XXXX XXXX and a third-party collection agency TruAccord regarding the same alleged debt. This letter serves as a demand for immediate removal of this inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and other applicable consumer protection laws. 

Inaccurate Reporting and Multiple Debt Collections : According to the FCRA, credit consumer agencies are required to report accurate and verifiable information. I have discovered that XXXX XXXX is reporting a debt under their name, while simultaneously, a third-party collection agency XXXX is contacting me for the same debt. This constitutes duplicate reporting and is inherently misleading and inaccurate. 

Consumer Laws Against This Practice : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section mandates that information furnishers must not report inaccurate information to credit reporting agencies. The existence of two entities reporting the same debt is a clear violation of this provision.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : This statute prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Reporting the same debt multiple times misleads and deceives the consumer and potential creditors. 
Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ) : Under Florida law, it is illegal for a debt collector to assert the existence of a legal right that does not exist. Attempting to collect the same debt through multiple agencies violates this statute and causes undue confusion and harm to the consumer. 
XXXX XXXX continues to update my consumer report on a monthly basis, which constitutes ongoing harassment and an attempt to re-age the debt. This practice violates the FCRA, which requires that only accurate information be reported. 

I am demanding the following actions be taken immediately : Complete Removal : Remove all references to this disputed debt from XXXX XXXX from my consumer report across all three consumer reporting agencies ( XXXX, XXXX, and TransUnion ). 
Cease Monthly Updates : Ensure that no further updates regarding this disputed debt are made to my credit report. 

I expect an investigation into this matter and a resolution within the 30-day time frame as stipulated by the FCRA. Please send me written confirmation once these items have been corrected

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 2024-06-19 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: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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 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 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I was contacted by phone today XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX They said that I owed money to Bank of America and were threatening to sue. They sent me an email of a letter stating that I owed Bank of America {$2300.00}. I do not remember owing Bank of America anything although I had a credit card with them many years ago. I asked them what was the date of the last transaction and they said it was 18 years ago. I told them that I did not remember owing Bank of America anything and anyway, if I did, the statute of limitations would have passed. They said that they had a copy of a Tolling Agreement signed by me recently which waived the statute of limitations. I have never heard of a Tolling agreement and have never signed one. I asked them to provide such a copy of the tolling agreement with my signature on it and they said that they could only show it to me in court. Then they said that they would have me served with a law suit in the next 48 hours.

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 2024-06-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: AK

Complaint narrative:
My complaint is with the HFD, a payment plan company of XXXX. I sent in impressions and photos to start my treatment and received the first few aligners to start my treatment plan, the very first aligner that I had received never fit, they instructed me to send more impressions and photos in order to start treatment and that was the very last communication I received from XXXX. 

When I signed up for XXXX, they had me start a payment plan with Healthcare Finance Direct, LLC and I've been paying every month. I found out that XXXX has filed XX/XX/XXXXXXXX and has been completely liquidated and all aligners and treatment plans have completed stopped. They have never reached out to me and there was absolutely no further communication to me regarding their closure and I've never had a chance to start my treatment. 

HFD just today ( XX/XX/XXXX ) told me to continue making payments in order to not be sent to collections. I have been paying this bill of {$77.00} a month for months now and still never having started my treatment plan, yet I'm still being threatened by HFD to pay my bill. 

I believe and feel that it's illegal to insist on payment when services have never been rendered. Not only is this illegal, but I should be due a refund of the amount I've paid. Again, I was never able to start the treatment. 

I sent my initial impressions in XXXX and my total bill was XXXX. I've paid {$700.00} so far and still owe {$1000.00} per HFD. 

Please advise. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: ProCollect, Inc.
State: NY

Complaint narrative:
I called Procollect Inc. and requested any contract or document I entered into with them and they did not provide it to me. They will not be able to provide it to me or anyone, because I did not enter into a contract with them. This was approximately one month ago. I am not liable for any debt to the company they claim I owe it to, as we disputed the claimed amount of {$90.00}. They wouldn't even provide any documentation from XXXX XXXX XXXX XXXX. This is honestly a scam and they shouldn't be allowed to scar your credit like this.

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 2024-06-19 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: GA

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

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 2024-06-19 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: TomoCredit Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2024-06-19 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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 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
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report as a collection in the amount of {$740.00}. This debt to be collected is reported inaccurately.When asked for the original contract to be given none of which has been provided since 2023.This information of a debt owed by a company that has since tried to scam several people in owing a debt for services given by a company unheard of. I ask for this inaccurate information be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-06-19 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: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-06-19 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 disputing inaccurate and erroneous information being reported on my credit report by XXXX XXXX and a third-party collection agency TruAccord regarding the same alleged debt. This letter serves as a demand for immediate removal of this inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and other applicable consumer protection laws. 

Inaccurate Reporting and Multiple Debt Collections : According to the FCRA, credit consumer agencies are required to report accurate and verifiable information. I have discovered that XXXX XXXX is reporting a debt under their name, while simultaneously, a third-party collection agency XXXX is contacting me for the same debt. This constitutes duplicate reporting and is inherently misleading and inaccurate. 

Consumer Laws Against This Practice : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section mandates that information furnishers must not report inaccurate information to credit reporting agencies. The existence of XXXX entities reporting the same debt is a clear violation of this provision. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : This statute prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Reporting the same debt multiple times misleads and deceives the consumer and potential creditors. 
Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ) : Under Florida law, it is illegal for a debt collector to assert the existence of a legal right that does not exist. Attempting to collect the same debt through multiple agencies violates this statute and causes undue confusion and harm to the consumer. 
XXXX XXXX continues to update my consumer report on a monthly basis, which constitutes ongoing harassment and an attempt to re-age the debt. This practice violates the FCRA, which requires that only accurate information be reported. 

I am demanding the following actions be taken immediately : Complete Removal : Remove all references to this disputed debt from XXXX XXXX from my consumer report across all three consumer reporting agencies ( Equifax, XXXX, and XXXX ). 
Cease Monthly Updates : Ensure that no further updates regarding this disputed debt are made to my credit report. 

I expect an investigation into this matter and a resolution within the 30-day time frame as stipulated by the FCRA. Please send me written confirmation once these items have been corrected

Company response to consumer: Closed with explanation