vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I had an ER visit on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. During the visit, I saw a social worker who asked me about my XXXX and a nurse practitioner who checked my vitals. I never met with a doctor, since the visit was for a XXXX XXXX related to XXXX XXXX issues. Afterwards, I received a bill from the hospital which was promptly paid. After paying the bill, I received a collections letter from a company called XXXX XXXX XXXX XXXX for {$1200.00}. I called the hospital about this bill and I provided the hospital with the account number that was listed on the collections bill. The hospital had no record of any open accounts with unpaid balances. The hospital said I did not owe any additional money. I wrote to the collections to dispute this and they replied via email on XX/XX/XXXX. In the email they wrote, " Dear [ my name ], XXXX XXXX XXXX XXXX received your dispute regarding the above listed account. Your account was placed in a dispute status and a validation request has been submitted to the creditor. In addition, we have submitted a dispute record to the consumer reporting agencies.The creditor has not provided validation within a timely manner. XXXX XXXX XXXX XXXX has submitted a record of deletion to the consumer reporting agencies and returned your account to the creditor.To the XXXX XXXX XXXX, and to whom this XXXX concern, please accept this letter as written testimony of the deletion request and reconcile any discrepancies at once. Please contact our offices at XXXX if there are any further questions. '' Recently I checked my credit report to find a collections on my account from an entirely different debt collector, Elevate Recoveries LLC. I was never notified. The amount is for the same {$1200.00}. I have requested via email they provide evidence for this debt, since I have not been able to find any evidence of money owed, even after speaking directly with the hospital and after trying to call the phone numbers on the original XXXX  creditor letter from XXXX. I have tried to dispute this collection several times, but it remains unchanged. To this day, I have no record of ever being contacted or notified by Elevate Recoveries LLC. I want to get this collection removed from my credit report since there is no evidence that it actually exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex Bank advised me today ( XX/XX/year> ) a bank-to-bank transfer of my IRA funds will take XXXX weeks for them to complete on their end. There is nowhere in the Amex Bank Deposit Agreement that a transfer of funds will extend such an exorbitant period. Amex Bank has created this transfer delay internally, caused by mismanagement / poor customer communications and inadequate staffing. In the meantime I'm losing opportunity costs on over {$250000.00} pending transfer from Amex Bank.

I have called Amex Bank 5 times over the last week to no avail. Complaints lodged internally # XXXX XXXX XXXXXXXX. Amex Bank has confirmed the transfer paperwork was received XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My wife applied for a debt consolidation loan and the company that showed valid in all checks and form were solidified as true. the Credit UNION IDENTIFIED THE TRANSACTION AS FRAUD, but now we are held responsible for the funds taken by the fraudulent company. We didn't have any idea that this was a scam and do not believe we should be held reponsible. The company name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
Navient inaccurately reporting XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late Same Loans reflected good standings with Dept of Education XX/XX/year>, XX/XX/year> Disaster forbearance applied XX/XX/year> and Dept of education has no record of my loans being past due XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-10 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: TX

Complaint narrative:
I am writing to formally request the method of verification ( MOV ) for specific items on my credit report, as authorized by 15 U.S.C. 1681i ( 7 ) under the Fair Credit Reporting Act ( FCRA ).

In my prior ( 8 ) disputes, I challenged the accuracy of the following accounts on my credit report : 1. The DLA reported on my credit file is incorrect and this inaccuracy is detrimental to my XXXX XXXX By misreporting the DLA, you are effectively re-aging the account which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. 
XXXX XXXX XXXX  Account Number : XXXX I demand the immediate deletion of this account from my credit file due to re-aging of the account, which is prohibited under FCRA. 

XXXX. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXXXXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

3. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX XXXX Account Number : XXXX Remove this account due to non-compliance XXXX. This is a duplicate account reporting the same account number and different balance. FCRA violation. 
XXXX XXXX XXXX  Account Number : XXXX Remove this account due to non-compliance with the FCRA 5. The DLA reported on my credit file is incorrect and this inaccuracy is detrimental to my credit score. By misreporting the DLA, you are effectively re-aging the account which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. 
XXXX Account Number : XXXX I demand the immediate deletion of this account from my credit file due to re-aging of the account, which is prohibited under FCRA.

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 2024-12-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraudulent and unauthorized information continues to plague my consumer report despite multiple attempts to resolve the issue. These inaccurate items, resulting from identity theft, have caused profound personal and financial distress, significantly impacting my life and well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts, inquiries, addresses, and names on my credit report due to identity theft caused by the data breach. The inaccurate information is causing significant harm to my credit and I expect immediate corrective action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a XXXX from XXXX XXXX XXXX XXXX. They stated that my personal information was accessed and downloaded from the banks XXXX  and a XXXX during periods in XXXX XXXX XX/XX/scrub>XXXX XXXX According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXXXXXX XXXX XXXX XXXX  and also a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: DISCOVER BANK
State: VA

Complaint narrative:
Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a XXXX from XXXXXXXX XXXX XXXX  XXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XX/XX/scrub>XXXX XXXX. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXX XXXX XXXX and also a FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Fraudulent and unauthorized information continues to plague my consumer report despite multiple attempts to resolve the issue. These inaccurate items, resulting from identity theft, have caused profound personal and financial distress, significantly impacting my life and well-being.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-10 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: MO

Complaint narrative:
I have asked a few times from experian to fix an address they have on my credit report but they said it can not be removed that it goes with an old account. 

I have told them I have never lived at that address and when I XXXX the address it is a business. 

I have asked for help online, over the phone, and now I am asking the government to be aware that I have a problem. 

The address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX I am sure this is a mistake on their end and I know I am entitled to a correct and error free credit report. Please fix this with bringing this to the attention of the CFPB. 

With a little research the law 15 USC 1681e ( b ) states I should have the maximum possible accuracy according to the FCRA. This address does not nor the account its tied to!

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On XX/XX/year> I checked my navy federal online bank account and there were two unauthorized transactions made. I immediately called them to report the two transactions as fraud navy federal issued me a new card and started an investigation. About a week goes by and i received a email saying that they didnt suspect any fraud also saying that my card was physically inserted into the ATM and my PIN number was entered which I find impossible. I knew nothing about these purchases my card was used twice once for {$23.00} and a second time for {$25.00}. I never left my house and my card was in my wallet the whole time so im confused on how this even happened. When I first filled the claim navy federal gave me a credit until the investigation was over, but when they claim that no fraud was detected they took the credit back and my account has been in a negative standing ever since. As a consumer I have no idea where to start to even prove that I didnt go to the store and make these purchases. I was literally on the phone crying while taking to the representative, even though a huge amount wasnt taken from me I'm at broke XXXX XXXX barley making ends meet and I turn around and this happened! Plus my claim was DENIED and I now owe my bank for money I didn't spend nor do I have to pay back! I havent been to this particular store in months and theres definitely no reason for me to spend almost {$50.00} at a corner store! Navy federal didnt help me at all and now im forced to use a different bank card. This is the second time my bank card had been hacked and the third time ive had to receive a new card from this bank!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation