vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: AR

Complaint narrative:
THIS " DEBT '' is being collected fraudulently outside the STATUTE OF LIMITATIONS in Arkansas. 

In XX/XX/XXXX, I entered the XXXX XXXX at XXXX XXXX XXXX XXXX. My insurance was provided. My insurance was at the maximum out of pocket limit at the time of service so I was not expecting a bill. 

Someone at the hospital made an error. The visit was submitted as workman 's compensation when that was never claimed. 

In XX/XX/XXXX, a collector began reporting to the bureaus that I owed a medical debt of {$1900.00} to a XXXX XXXX XXXX XXXX XXXX'. No information had been provided before then and no paper bill or document from the hospital, doctor, or notice from our insurance of a bill being owed was ever received. 

I disputed the debt but looked into finding the original creditor. The collector reported back to the dispute as having " verified '' that information and on some bureaus slightly altered the date to XXXX XXXX. We had not been to any XXXX XXXX or hospital since XXXX. 

After locating and contacting XXXX XXXX XXXX ( the servicer that manages billing for the physicians at the hospital ) they verified that debt amount and the date as XX/XX/XXXX not XXXX. 

Then contacting the former insurance company at the time they verified the medical bill had been submitted to them but was listed as " XXXX XXXX '' so it did not move forward. The agent on the phone verified the XX/XX/XXXX date and the amount {$1900.00} as well as indication that not only was that the incorrect charge with our insurance but we would not owe given the status of our insurance. 

We have provided this information to the bureaus. Because the collector is reporting the medical debt falsley as occurring in XXXX it will not automatically be removed at the right time. Nevermind that we do not owe the debt.

This has dropped my credit score by XXXX XXXX XXXX  and prevented my attempts to apply for a mortgage. 

Disputing with the bureaus has proven useless. They have not changed the information and falsely claimed to have verified the information. The option to work with the agent and original creditor to reprocess the debt is on going but slow. We are also not certain of the XXXX score recovering to where it was prior to this fraudulent collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$15000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}

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 2024-09-30 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: FL

Complaint narrative:
This CFPB Complaint is being filed due to Equifax not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate ( Field 18 ) payment status information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the Better business Bureau in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: GA

Complaint narrative:
Dear CFPB, I am contacting you regarding the unauthorized use of my Social Security number, which has resulted in identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ), and the complaint number is attached for your reference.

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block and remove all fraudulent information from my credit report. The following items do not belong to me and are the result of identity theft : Incorrect Personal Information : Account Number : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX Incorrect Personal Information : Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unauthorized Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Identity Theft Fraudulent Accounts : XXXX XXXX, XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX In accordance with FCRA 605B, these fraudulent accounts and inquiries must be blocked and removed within four business days of receipt of this request. Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an updated copy of my credit report free of charge after these corrections are made. 

Please also notify any third parties who have accessed my credit report in the last six months of these corrections, as required under FCRA 611. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address

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 2024-09-30 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: GA

Complaint narrative:
Dear CFPB, I am contacting you regarding the unauthorized use of my Social Security number, which has resulted in identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ), and the complaint number is attached for your reference.

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block and remove all fraudulent information from my credit report. The following items do not belong to me and are the result of identity theft : Incorrect Personal Information : Account Number : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX Incorrect Personal Information : Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unauthorized Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Identity Theft Fraudulent Accounts : XXXX XXXX, XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Bank Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In accordance with FCRA 605B, these fraudulent accounts and inquiries must be blocked and removed within four business days of receipt of this request. Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an updated copy of my credit report free of charge after these corrections are made.

Please also notify any third parties who have accessed my credit report in the last six months of these corrections, as required under FCRA 611. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address

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 2024-09-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear TransUion, XXXX, and Equifax I am writing to dispute certain inaccuracies in my credit reports regarding my XXXX XXXX XXXX loan account. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$4400.00} Date Opened : XX/XX/XXXX Account Status : XXXX and XXXX report the account as " Charged off '' with a balance of {$4400.00}, while Equifax indicates that I have 100 % left to pay on this loan. This discrepancy suggests that Equifax is not updating the account status accurately. 
Consumer Law : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft, not later than 4 business days after receipt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, this account is in violation for not reporting 100 % accurately. 
Payment History : XXXX indicates that I have made no late payments ( XXXX ), while Equifax shows that I have only made 18 % of payments on time and lists XXXX missed payments. This significant difference needs to be corrected.

Consumer Law : The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report, as stated in 15 U.S.C. 1681i. 
Last Payment Date : There is a discrepancy in the reported last payment date : XXXX lists it as XX/XX/XXXX, while Equifax states it as XX/XX/XXXX. While minor, accuracy is essential. 
Consumer Law : Under 15 U.S.C. 1681e ( b ), the FCRA requires that all reported information be accurate and verifiable. 
In accordance with the Fair Credit Reporting Act, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681, I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement and the terms and conditions associated with these accounts. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my credit report within 4 days from the date of receipt of this notice. 
Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
Please confirm receipt of this letter and inform me of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Dear XXXX, Experian, and XXXX I am writing to dispute certain inaccuracies in my credit reports regarding my XXXX XXXX auto loan account. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$4400.00} Date Opened : XX/XX/XXXX Account Status : XXXX and Experian report the account as " Charged off '' with a balance of {$4400.00}, while XXXX indicates that I have 100 % left to pay on this loan. This discrepancy suggests that XXXX is not updating the account status accurately. 
Consumer Law : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft, not later than 4 business days after receipt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, this account is in violation for not reporting 100 % accurately. 
Payment History : XXXX indicates that I have made no late payments ( XXXX ), while XXXX shows that I have only made 18 % of payments on time and lists XXXX missed payments. This significant difference needs to be corrected. 
Consumer Law : The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report, as stated in 15 U.S.C. 1681i. 
Last Payment Date : There is a discrepancy in the reported last payment date : XXXX lists it as XX/XX/XXXX, while XXXX states it as XX/XX/XXXX. While minor, accuracy is essential. 
Consumer Law : Under 15 U.S.C. 1681e ( b ), the FCRA requires that all reported information be accurate and verifiable. 
In accordance with the Fair Credit Reporting Act, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681, I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement and the terms and conditions associated with these accounts. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my credit report within 4 days from the date of receipt of this notice. 
Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
Please confirm receipt of this letter and inform me of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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 2024-09-30 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: FL

Complaint narrative:
This CFPB Complaint is being filed due to Experian not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TN

Complaint narrative:
In accordance with the Fair Credit Act this creditor has violated my right under 15USC 1681section 602 has the right privacy 15USC 1681 section 604 a section 2 consumer reporting agency can not furnished account without my written instruction. under 15USC 1666b a creditor may not treat a payment account under open consumer plan as late. please removed this inaccurate fraudulent reporting.

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 2024-09-30 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

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 2024-09-30 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:
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. Here are the accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX late payment on XX/XX/year>. 
I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also, Experian credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation