vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: IL

Complaint narrative:
I am disputing a debt and I.Q. Data International- the company name I found on my credit report will not take my dispute seriously. They were assigned the account on XX/XX/XXXX  and first reported it to the bureaus in early XX/XX/, without me included at all in the process. They continue to update the account with a new " Date Reported '' each month with additional fees tacked on. 

I have a very large file of documentation, and they have not reached out to tell me how to get it to them electronically. Instead of looking at what I have, they have reported me to the credit reporting agencies and keep adding the charge in interest. I have attached the second payment I gave to XXXX for XX/XX/XXXX  payment. They would not take the first one as it was a few cents off of the total owed. My cashiers check was photocopied, accepted, and signed by XXXX, office staff at XXXX XXXX in XXXX, IL. There, a series of events on their part took place that need to be reviewed because they are extremely confusing. There is no indication in any document that I owed them more money, other than the double-billing for XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries are unauthorized and they are not related to any transactions by me. 
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

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX  I spoke via phone to XXXX, Experian rep, because I was denied credit to purchase phone at XXXX due to problem with Experian tax information. I knew there was a data problem because my credit rating is always in the XXXX range. XXXX quickly located the problem... saying it was on Experian 's end : several fields of my data had been overwirtten with that of another client. She fixed the fields in error but said it would take 10 days to correct system. She ordered a credit report that would identify corrective actions Experian took to solve the problem. I was concerned that the XXXX offer might not be in effect by the time the errors were fixed, but there was nothing else XXXX could do. A couple weeks later, I recieved a letter from Experian noting they had no data for XXXX XXXX in their database. I made at least a dozen phone calls to Experian, but was unable to get through even to leave a message. 

So I filed a complaint with the N.C. Attorney General 's Office requesting Experian assign a customer rep to correct the problem of my being denied credit for several months. Experian 's brief response from XXXX XXXX, Senior Regulatory Affairs Associate, did not address the problem or assign a rep. It contained the following inaccuracies : 1. " regarding the above mentioned deceased consumer 's personal credit profile ... '' 2. " we are unable to locate a credit record for XXXX XXXX XXXX. '' I can assure Experian I am not deceased and I received a recent Experian credit report # XXXX dated XX/XX/XXXX  reporting a credit rating of XXXX and listing several errors corrected. BUT I am still rejected at XXXX due to incorrect tax information. XXXX states there is nothing they can do .... that I have to fix the problem with Experian. 

Please can you help? I need Experian to assign a service rep who can see the problem through to a resolution that will allow me to purchase items on credit. 

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TrueAccord Corp.
State: OH

Complaint narrative:
Validation of alleged debt should be the proper documentation Please provide the original promissory note that was signed between us.Documentation to validate debt. 

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.XXXX. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

A response stated to contact another agency. I do not owe any alleged debt sold for a price. If the alleged debt was sold with my private information please provide the 1099c or XXXX XXXX for proper documentation along with removing from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These inquiries are unauthorized and they are not related to any transactions by me. 
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

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 2023-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquiries are unauthorized and they are not related to any transactions by me. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: MI

Complaint narrative:
Hello, I would like to start out by noting that account XXXX XXXX XXXX XXXX XXXX XXXX. This is the correct and only accurate account i had with that company. This account was closed on XX/XX/2023. 

I ask that this account be removed temporarily. Until the investigation is completed. 

Now I have taking the liberty of attaching several supporting documentations. That will support my findings with account number ending in XXXX XXXX. That's being reported on my XXXX and TransUnion credit profiles. I have found that XXXX XXXX XXXX XXXX is reporting two different account numbers. 
XXXX ) TransUnion account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX  account # XXXX I'm disputing wrong account number, Payment status and Last updates. This company has been reporting a wrong account number. At the same time typing in derogatory and damaging incorrect status information. They are changing positive information into negative information every month. After I'd called and informed them of their discrepancies. I was denied of a home equity loan today. Due to XXXX XXXX XXXX XXXX XXXX reported on my XXXX credit report. That closed account now is reporting ( Not more than XXXX payments past due ). 
How in the XXXX can they report on a closed paid off/Never late account. This Company needs to be shut down and have a investigation done. I can't be my life for advancement was rip right from under me today. Lord knows, I was extremely excited to get equity from working so hard to pay down my mortgage. 
To where I was able to pull cash from my investment. Unfortunately, as you will see from the supporting documentations. I was denied the loan due to a XXXX XXXX credit score. After it drop XXXX points from the information that XXXX XXXX XXXX XXXX reported. 
Only XXXX has the correct and true correct account information. I attached it as well, and you will see the correct account # and the correct status information as well. I ask so whole heartily that this account be DELETED from my XXXX and TransUnion credit profiles. So that this will never ever happen again.. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
While we were in the process of closing on a home in South Carolina, I received fraudulent wire transfer instructions for sending money to the closing attorney. On XX/XX/XXXX, I wired {$200000.00} for my XXXX  account to XXXX XXXX, XXXX XXXX Account SC at JPMorgan Chase Bank. On XX/XX/XXXX, I wired {$250000.00} from my XXXX account to the same account. About two hours after the second wire, it became apparent that this was a fraudulent account. I notified XXXXXXXX XXXX XXXXXXXX who filed a report with Chase. I also filed a IC3 report with the FBI who also notified Chase that the transaction was fraudulent. We tried to speak with someone at Chase, but they would not speak to us. I have since worked with the XXXX XXXX on this issue and have learned that the two deposits remained in the Chase account for almost one month before the funds were withdrawn. Obviously Chase had able time and opportunity to freeze and return the funds after receiving notification from the FBI, XXXXXXXX XXXX XXXX. While I admit that I " fell for '' the scam, Chase had plenty of opportunity and I feel the responsibility to return the funds since the funds remained available for almost one month before they were withdrawn. XXXXXXXX XXXX XXXXXXXX have also done very little to correct the situation, only contacting Chase once. They have since told me to stop calling them. I feel Chase should return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: GA

Complaint narrative:
XXXX XXXX Equifax Re : Dispute of Inaccurate Late Payment Entry - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report, which I believe is inaccurate and should be removed and updated to paid as agreed, never late in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. This late payment entry is adversely affecting my credit profile, and I am seeking its correction as mandated by federal law. Below are the details of the disputed late payment : Creditor Name : XXXX XXXX Date of Late Payment : XX/XX/XXXXXXXX  Amount of Late Payment : XXXX I contend that this late payment entry is erroneous for the following reasons : Incorrect Reporting : The late payment reported on XX/XX/XXXX for with [ XXXX XXXX XXXX ] is factually incorrect. According to my records, I made a timely payment for this account, and there should not be any late payment recorded. This discrepancy goes against the FCRA, which obligates credit reporting agencies to ensure the accuracy of information. Supporting Documentation : To substantiate my dispute, I have enclosed copies of relevant documentation, including bank statements and payment receipts, which clearly demonstrate that I made the payment on time. These documents should serve as compelling evidence that the reported late payment is inaccurate. I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Please correct any inaccuracies found during your investigation and provide me with a revised copy of my credit report once these corrections have been made. I emphasize the importance of a swift resolution, given the potential adverse impact on my creditworthiness. Enclosed Copies of payment receipts for with [ XXXX XXXX ] I anticipate your prompt attention to this matter and adherence to the federal laws governing credit reporting. Thank you for your assistance in resolving this dispute promptly and accurately. Sincerely, XXXX XXXX Please ensure you enclose the necessary documents and modify the letter to include any specific details relevant to your situation before sending it to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
a secured credit card has been opened in my name with XXXX  - XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC.
State: IN

Complaint narrative:
I received my first mortgage payment statement on XX/XX/XXXXXXXX  and it showed {$300.00} they were charging me for taxes a month. I paid it, but was told they over charged for taxes. I called Triad XX/XX/XXXXXXXX  and spoke with a Supervisor, XXXX, and said that is what my county Treasurer sent to them that that is what the estimated tax are. I said no that I am not paying that amount in taxes because they over charged me. He said to go to my County Treasury Office and they would give me the amount to charge. I went to my County Treasury Office and they said they don't show anyone living at this address. I then called Triad back on XX/XX/XXXXXXXX  and spoke with XXXX again and he said my County Treasury Office sent them this information. I have been up to my County Treasury Office three times and they said they never sent them any information about this. I then went to the County Assessors office and they showed me that the place I'm living at has not been assessed yet and that I don't owe any taxes until XXXX. I then called Triad back and talked to XXXX XXXX who is the contact information on the loan. She said the same thing that that is what my County Treasury Office sent them. I asked for a copy of exactly what the XXXX County Treasury sent to them and I have not received it. I then called Triad again on XX/XX/XXXXXXXX  and got the same thing said to me. I called Triad on XX/XX/XXXXXXXX  and nothing is being done about this. I don't know where they pulled this figure from but Triad  is known to overcharge for taxes in this Mobile Home community.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including XXXX, Experian, and XXXX must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to XXXX, Experian, or XXXX by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, XXXX, Experian, and XXXX are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, XXXX, Experian, and XXXX are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.

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 2023-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am a XXXX veteran and have 100 % community care, I went to receive care from XXXX XXXX XXXX and when the hospital billed, they billed my private insurance which left a balance after speaking with them I informed them they needed to bill the VA, the bill was denied by the VA and sent them instructions how to resubmit for payment correctly. They never did and 4 years later I get a bill from a collection agency Ability Recovery Services. I contacted them and the initial individual I spoke with hung up on me and did not want to listen to anything I had to say. The second individual shared that the VA needed to send something showing I was approved for care in the community, they did provide it because I sent it in myself, I have tried calling them since then and no one answers or return my calls and the collection after I filed a dispute with the credit bureaus the result came back as correct and the account was to stay on my credit. I am not responsible for the debt, and it was the actions of the initial collector to not request payment the resulted in the bill not being paid.

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 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have been receiving relentless phone calls from a company Portfolio Recovery. I am not sure if this was medical, credit etc. I have become permanently XXXX in the year ofXX/XX/2005, which is why I was not able to pay any of my bills. This creditor is calling me about a bill that has occurred over 15 years ago and has reached its statute of limitations in the State Of New York. I am currently on XXXX XXXX and have a difficult time getting around. Please stop this company from their illegal practices so that I may rest during the day instead of consistently being interrupted. 

Thanking You In Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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:
Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including XXXX, XXXX, and Transunion must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to XXXX, XXXX, or Transunion by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, XXXX, XXXX, and Transunion are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, XXXX, XXXX, and Transunion are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.

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 2023-11-19 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including Equifax, XXXX, and XXXX must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to Equifax, XXXX, or XXXX by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, Equifax, XXXX, and XXXX are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, Equifax, XXXX, and XXXX are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.

Company response to consumer: Closed with non-monetary relief