vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
XX/XX/XXXX : I came to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX to request a cleaning tooth service - in begining I signed the document for information, financial policy - dental history - there is no cost information I explicitly instructed the dental office to provide services only within my insurance coverage. I did not agree to pay for any out-of-pocket expenses XX/XX/XXXX : XXXX XXXX XXXX called me for filling service - without showing evidence of XXXX XXXX, the material for filling & cost before performing the treatment. They said I have XXXX $ & not take copay XX/XX/XXXX : XXXX XXXX XXXX called me to their office with the purpose " Explain about the insurance '' after everything happened. They said my insurance was too bad & not covered enough. They gave me the hand-writing receipt total {$850.00} but they will discount it to {$450.00} ( attachment ) & required me to pay by cash. When I said : I need to check with my insurance before paying, they not let me go. Then they said I can pay {$300.00} now & come home and pay remaining amount. I feel scared because the working under-the-table and not let me go until I strongly request to come home check with my insurance XX/XX/XXXX : They call request me to pay, but I only accept to pay {$100.00} deductible. Remain amount is not my responbility because dental office doing without my accept. 

XX/XX/XXXX : They sent the letter to my house and request me to pay {$680.00} & {$940.00} for my wife XX/XX/XXXX : I sent the email request the evidence 1.A signed agreement or contract showing that I agreed to the service.

2. An itemized statement detailing the charges.

3. Any evidence that I was informed of the cost before the service was performe XXXX. XXXX records But XXXX XXXX XXXX didn't reply XX/XX/XXXX : Capital Accounts debt collection call us request me to pay {$2400.00}. I already sent the email to them appeal on the debt and request them to prove 1.A signed agreement or contract showing that I agreed to the service.

2. An itemized statement detailing the charges.

3. Any evidence that I was informed of the cost before the service was performe I was not informed of the number of fillings, what materials will be used, or cost per tooth before the procedure. XXXX already confirmed that new world dental didn't ask for pre-treatment cost to XXXX before producing on XX/XX/XXXX & XX/XX/XXXX. Despite providing my insurance card, I was assured that I would not have to pay anything out-of-pocket due to my {$1000.00} coverage, yet no price verification was done beforehand

Company response to consumer: Untimely response
Consumer complaint received 2025-02-06 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: AR

Complaint narrative:
list Inquiry on my account is Unauthorized and univariableXX/XX/XXXX XX/XX/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 2025-02-06 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: AR

Complaint narrative:
list Inquiry on my account is Unauthorized and univariableXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ) due to significant discrepancies and inaccuracies in the reporting of my account, which violate the Fair Credit Reporting Act ( FCRA ). The inaccuracies in the payment history and account information are causing harm to my creditworthiness and need immediate investigation and correction. 

The account in question was opened on XX/XX/XXXX, with a reported balance of {$220.00} and a credit limit of {$750.00}. However, the reporting of this account across the XXXX credit bureausXXXX, Equifax, and XXXX riddled with errors and inconsistencies. Most notably, the payment history includes conflicting and inaccurate information. For example, XXXX reports no late payments, while XXXX and Equifax both show multiple late payments. XXXX lists XXXX, XXXX, and XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but Equifax reports only XXXX and XXXX late payments during the same period. Furthermore, Equifax shows a XXXX late payment in XX/XX/XXXX that does not appear on XXXX 's records. These discrepancies indicate that XXXX XXXX has failed to ensure accurate reporting across all bureaus, as required by law. Additionally, the charge-off status and related dates are inconsistent. XXXX reports the account as charged off on XX/XX/XXXX, while Equifax lists the charge-off date as XX/XX/XXXX. The " Date Last Active '' also differs significantly between XXXX ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ). These discrepancies further highlight the lack of accuracy and proper record-keeping by XXXX XXXX. I was never notified of updates or changes to this account, including its charge-off status or adjustments to the payment history. This failure to notify me is a violation of my rights under the FCRA. Additionally, the presence of unauthorized and inaccurate reporting may constitute identity theft or misuse of my personal information. If XXXX XXXX can not provide valid documentation to substantiate the debt and correct the inaccuracies, I am requesting the immediate removal of this account and all associated negative marks from my credit report. These errors have caused undue harm, and I trust the CFPB will ensure that XXXX XXXX complies with federal regulations regarding accurate and fair credit reporting. 

Attached is a copy of my credit report with all discrepancies highlighted for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
I am filing this complaint against XXXX XXXX ( XXXX XXXX ) due to significant discrepancies and inaccuracies in the reporting of my account, which violate the Fair Credit Reporting Act ( FCRA ). The inaccuracies in the payment history and account information are causing harm to my creditworthiness and need immediate investigation and correction. 

The account in question was opened on XX/XX/XXXX, with a reported balance of {$220.00} and a credit limit of {$750.00}. However, the reporting of this account across the XXXX credit bureausExperian, XXXX, and XXXX riddled with errors and inconsistencies. Most notably, the payment history includes conflicting and inaccurate information. For example, XXXX reports no late payments, while Experian and XXXX both show multiple late payments. Experian lists 30-, 60-, and 120-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but XXXX reports only 30- and 60-day late payments during the same period. Furthermore, XXXX shows a 120-day late payment in XX/XX/XXXX that does not appear on Experian 's records. These discrepancies indicate that XXXX XXXX has failed to ensure accurate reporting across all bureaus, as required by law. Additionally, the charge-off status and related dates are inconsistent. Experian reports the account as charged off on XX/XX/XXXX, while XXXX lists the charge-off date as XX/XX/XXXX. The " Date Last Active '' also differs significantly between Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). These discrepancies further highlight the lack of accuracy and proper record-keeping by XXXX XXXX. I was never notified of updates or changes to this account, including its charge-off status or adjustments to the payment history. This failure to notify me is a violation of my rights under the FCRA. Additionally, the presence of unauthorized and inaccurate reporting may constitute identity theft or misuse of my personal information. If XXXX XXXX can not provide valid documentation to substantiate the debt and correct the inaccuracies, I am requesting the immediate removal of this account and all associated negative marks from my credit report. These errors have caused undue harm, and I trust the CFPB will ensure that XXXX XXXX complies with federal regulations regarding accurate and fair credit reporting. 

Attached is a copy of my credit report with all discrepancies highlighted for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
PLEASE SEE ATTACHED - I have been a victim of identity theft, and data breach spill these are not my inquiries 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 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-02-06 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: PR

Complaint narrative:
I received a copy of my credit report and found the following personal information to be 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 explanation
Consumer complaint received 2025-02-06 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: PR

Complaint narrative:
I received a copy of my credit report and found the following personal information to be 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 2025-02-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian : Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX U.S. CXXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX U.S. CXXXX XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a XXXX  ( public record ) reported on my credit reports from Experian, Equifax, and Transunion. I looked at my credit reports. I have took every measure with the courts to resolve this issue with no success. Per courts, they do not report these things to the credit bureaus. .According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. Please get them to remove ( XXXX XXXX ) .Also, Iam requesting them to remove immediately off my report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a XXXX  ( public record ) reported on my credit reports from Experian, Equifax, and Transunion. I looked at my credit reports. I have took every measure with the courts to resolve this issue with no success. Per courts, they do not report these things to the credit bureaus. .According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. Please get them to remove ( XXXX XXXX ) .Also, Iam requesting them to remove immediately off my report. 

Thank you, 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 2025-02-06 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX keeps reporting derogatory information to XXXX credit bureaus. The accounts were closed and transferred, yet the keep reporting when the account no longer exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: IN

Complaint narrative:
I am writing to formally request a validation of certain accounts appearing on my credit report under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. As a consumer, I have the right to dispute and request validation of any account that is inaccurately or erroneously reported on my credit file. 

Under XXXX U.S.C. XXXX ( a ) ( 1 ) of the FCRA, credit reporting agencies are required to conduct a thorough investigation when a dispute is filed. Furthermore, any information reported must be accurate, verifiable, and substantiated by the original creditor or furnisher as required under XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX. 

I am requesting that you provide me with validation, not mere verification, of the following accounts, including but not limited to : 1. A complete accounting and itemization of the alleged debt 2. A copy of any signed agreements, applications, or contracts that prove my obligation to pay 3. Documentation showing the original date of delinquency and the chain of custody of the debt Please provide this information within 30 days as required by law. If the accounts can not be validated with the requested documentation, they must be deleted from my credit report immediately pursuant to XXXX U.S.C. XXXX ( a ) ( 5 ). 

Additionally, failure to comply with these requirements may constitute a violation of the FCRA and CFPB regulations, which could result in legal action against your agency. I request that all future communications be in writing. 

Please respond to this request at the address provided above. I look forward to your prompt attention to 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 explanation
Consumer complaint received 2025-02-06 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am a victim of identity theft, and Experian has repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) by : -Reinserting fraudulent accounts that were previously removed without notifying me.

-Refusing to permanently block identity theft accounts, instead subjecting them to continuous investigations.

-Failing to remove new fraudulent accounts, despite receiving all required identity theft documentation.

I first reported identity theft XX/XX/2024 and provided : FTC Identity Theft Report, Police Report, and Written Fraud Statement, amd over 4 hours of telephone calls with their fraud department. Despite this, Experian has conducted 13 separate investigations since XX/XX/2024, violating FCRA 605B, which requires fraudulent accounts to be blocked immediately. Some fraudulent accounts were deleted and later reinserted without notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
I have also received threatening scam calls from an individual claiming to have access to my personal data, proving this fraud is ongoing.

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