vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called Equifax on XX/XX/2023, I advised them that there were student loans reporting on my report that had been closed over 10 years. I advised them to remove the student loans that had been closed over 10 years. On XX/XX/2023 they updated the information on the closed accounts to report for another 10 years. Which means these closed accounts would report for a total of 20 years. The loans were with : ( XXXX ) US Department of Education/ XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX ) Department Of Education/ XXXX XXXX XXXX XXXX There are a total of 10 closed accounts being reported inaccurately. These accounts need to be removed, they are causing a hardship on me and making it very difficult for me to get funding for a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called Equifax on XX/XX/2023, I advised them that there were student loans reporting on my report that had been closed over 10 years. I advised them to remove the student loans that had been closed over 10 years. On XX/XX/2023 they updated the information on the closed accounts to report for another 10 years. Which means these closed accounts would report for a total of 20 years. The loans were with : ( 1 ) US Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) Department Of Education/ XXXX XXXX XXXX XXXX There are a total of 10 closed accounts being reported inaccurately. These accounts need to be removed, they are causing a hardship on me and making it very difficult for me to get funding for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc
State: CA

Complaint narrative:
XX/XX/XXXX : I was seen in a hospital XXXX XXXX for an injury and after 90 minutes I was discharged home. 

XX/XX/XXXX : I received an Explanation of Benefits from my medical insurance provider, XXXX XXXX, which indicated I had {$0.00} patient responsibility to the provider ( s ) for my treatment. 

XX/XX/XXXX : I received a vaguely-worded letter from a debt collections agency claiming I owed {$810.00} to XXXX XXXX XXXX XXXX . 

XX/XX/XXXX : I sent a reply to the collections agency via USPS Certified Mail that I wasn't familiar with the charge ( s ) they were referencing. 

XX/XX/XXXX : I received another memo from the collections agency ( dated XX/XX/XXXX ) that these charges were associated with the hospital XXXX visit on XX/XX/XXXX. They provided a statement dated XX/XX/XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ) claiming that the insurance company only paid a portion of the provider 's services. Needless to say, this was a " SURPRISE BILL ''! I had received ZERO contact or correspondence from this group and the mailing address they provided is 400 miles away. They also didn't include a telephone number for correspondence. 

XX/XX/XXXX : I called my health insurance HMO to investigate what they have documented on their files. They verified that the claim from the " emergency medical group '' had been processed and paid in early-XXXX XXXX. The representative from my HMO researched the medical group and located a telephone number ( XXXX ) for them. The representative placed me on-hold, then called the medical group and left a voicemail message with both the HMO phone number and my telephone number, requesting that they please call back at their earliest convenience. 

XX/XX/XXXX : I sent a second reply to the collections agency via USPS Certified Mail stating that I had never received any statements or memos from this medical group and that I had been in contact with my medical insurance provider who indicated the medical group had received payment for services rendered. 

XX/XX/XXXX : I have made several subsequent attempts to contact the medical group by telephone ( XXXX ) but incoming calls are immediately routed to voicemail and I have yet to receive a call back. 

XX/XX/XXXX : This seems like a scam to me and I would like assistance on how to resolve this situation. I would be happy to provide documentation, but will first need the opportunity to redact the documents for PHI and PII.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: MS

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

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: MS

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 und

er 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2023, my account had a balance of XXXX, on XX/XX/2023, that very account had a balance of XXXX. I contacted Chase bank to figure out where the money went. While speaking to the representative, I explained what happened. I was informed that my account was positive and had a a balance of over XXXX. I said that it is not reflected on my end. The rep then proceeded to tell me about pending transactions. Pending transactions come out from the available balance immediately after a transaction is what I said. She then said thats not what she was going to say. Several transactions kept re-pending on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
please review my letters cause the last time i sent you your dispute you said you did not understand it.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on / U.S. Code / US law / LII / legal information institute.

15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

15USC 1681a @ ( A ) ( I ) Exclusions- except as provided in paragraph ( 3 ), the term consumer report does bot include -- ( A ) Subject to section 1681s- 3 of this title, any I demand the following accounts be verified or deleted immediately. 

XXXX XX/XX/XXXX late payment reverse XXXX XX/XX/XXXX please remove XXXX remove account inaccurate information not on all XXXX XXXX XX/XX/XXXX remove account XXXX  XXXX late payment reverse all XXXX of them Inquiry ; XXXX XXXXXX/XX/XXXX Inquiries remove First help XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please note, this is a not a duplicate complaint and I'm not using any third party for this matter. The account that I'm disputing in litigation : XXXX XXXX XXXX Account Number : XXXX. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW, 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 
I have contacted the Creditor for this matter and they confirmed, that TRANSUNION NEVER SENT ANY REQUEST FOR 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
We have had disputes with our mortgage servicing company for years. Their misapplied payments and suspense accounts. we went as far as filing a bankruptcy which XXXX assured me they would rescind. XXXX raised our mortgage payment from $ XXXX to $ XXXX while we were in bankruptcy.We are current on our monthly mortgage payments... now they want to just raise out intrest rate to double. 

They cant stand that we have held our end of any agreements. 

I need in front of a judge. 
and a company that can stand up to this craziness. 
We need help.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have reviewed my credit report and found items that I have on knowledge of. There are inquiries listed that I dont believe I applied credit for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF 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 explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
I have inquiries on my credit report that do not belong to me. Please remove them immediately.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting a collection account from XXXX XXXX XXXX XXXX with XXXX XXXX XXXX as the original creditor. I have contacted Transunion several times to dispute this information and it comes back as verified. I have requested documents to confirm this and have not received a response. I have also contacted the original creditor listed and collection agency and neither can provide me with documentation to confirm this account belongs 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
Last year we paid a midwife service to do home birth and we made payments to the midwife and when baby delivery time came the midwife quit. The midwife kept saying that she was coming and never showed up. We had to call XXXX and my wife was rushed off to the hospital where she almost died from too much bleeding and all because the midwife never came. We disputed the payments made to the midwife and chime denied the disputes because they said that by making payments during the course of time we established a repor therefore creating a base to prove that the payments were made to pay for services thus showing that my payments could not be refuted nor refunded. The midwife did not deliver the baby and her unprofessionalism caused my wife to sustain injury and injury to the baby also. The services that we were paying the midwife for were never rendered to us and I disputed this matter with chime bank only to be denied. I am not satisfied with my dispute being denied and we are a poor family and that money that was denied to us to be refunded will make a difference in our lives. We work hard for our money and if we would have had the midwife come and deliver the baby at home we would never have had to dispute anything but due to the fact that she quit on the day of delivery we should not have to pay forcefully for a service not rendered. In support of our argument we attached the the emails before the baby was born where the midwife said she was not coming to deliver the baby and that she would call XXXX and send the ambulance. We want our money back please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
I received several automated calls on XX/XX/12 advising I had a past due balance. I immediately contacted Toyota Financial customer service, explaining that to my knowledge all auto/recurring payments of {$400.00} ( the amount in my contract ) had gone through and I was confused how I had a past due balance. The representative was immediately confrontational, cackled at me and said sir, Im not sure how you couldve thought your payment was only {$400.00}. I asked her to pull up my contract, and she laughed, replied I can see right here your payment has always been {$420.00}. I asked multiple times for clarification why my payment increased ( and when ) and she could only offer that it may have been due to a refinance. I did not refinance my lease. Because the conversation went nowhere, I asked for a supervisor. She laughed again, and refused to transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is one of my multiple attempts to notify EXPERIAN AND XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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