vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX performed my XXXX XXXXXXXX. Prior to the XXXX, I had changed my insurance provider from XXXX to XXXX and had informed XXXX XXXX XXXX about this change, and provided the new insurance card ( have proof via email screenshots ) Unfortunately, their office failed to get pre-approval from XXXX before the XXXX, and XXXX refuses to fulfill the XXXX claim till today. Last year, I had also reached my out-of-pocket max through multiple co-pays, XXXX XXXX, XXXX facility fees, and XXXX XXXX. 

As of XX/XX/XXXX. XXXX XXXX office officially sent the XXXX bill to collections, and I have disputed the claim. XXXX is also trying to get in touch with XXXX XXXX office since this violates their contract agreement since XXXX XXXX was an in-network provider.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TX

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.

The letters are stated with items and issues. 

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 2023-06-01 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: IL

Complaint narrative:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2023-06-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am so XXXX  and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX, XXXX Purchased in XXXX, XXXX, XX/XX/2023 The item was XXXXXXXX XXXX and came through my credit card as US {$500.00} I called the credit card company almost daily, and Ive given them all the document and evidence and witness statement I have, and they are not reversing the charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have become aware that Apple Card continues to excessively violate my consumer rights. I have had multiple encounters with Apple Card and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. I did not give my consent or authorize them to furnish my nonpublic personal information. This behavior constitutes dead-right fraud and violates consumer protection laws. Apple Card has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS, ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a 20-year prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-06-01 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: IN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681. And they violated my rights numerous times. I demand ONLY the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Experian written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I sent e mails and certified letters to this company explaining to them that I was never served any type of court paperwork or documentation about a garnishment. My work place informed me of this company garnishing my check. I sent e mails and certified letters explaining, they deliver or service court paper with my personal information to the wrong address. I tried to correct the problem by sending a certified letter with a copy of my driving license with my correct address, and this company refuse to acknowledge, they had hired a company to deliver court paperwork with my personal information on to the wrong address. This was very embarrassing. Personal and physical. I tried to explain to them I have never live at that address. Check the DMV because this address has never been on a Washington State drivers license that belong to me. This company contacted the credit bureau XXXX and placed this address on my credit report. I spoke to XXXX and was informed that this company verify to them that this was my correct address with a XXXX debt. And I needed to go through this company to have this remove on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion wont lift my security freeze. The verification question they have are fraudulent in nature. TransUnion wont send me a security pin. Ive tried numerous of times to get this issue settled. I have been waiting a month and 1/2 for my pin to be mailed with no response from the company

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Payfare International Inc.
State: GA

Complaint narrative:
On XXXX the XXXX or XXXX I believe I reported a unauthorized transaction {$450.00} as well as many. More onauthorized transactions that were used by my account online to purchase product On websites that I have never ever been a nor used. I contacted the merchants to try to resolve the problem at first then I contacted my XXXX  pay direct who is payfare And reported a unauthorized transaction they sent me a list of information and procedures I needed to do in order to dispute this transaction that amounted to a. {$150.00}. I did every single thing and have more than proven that this was not me who authorized the transaction. Nor was the one who even had any part to do with the transaction. I offered to go get a price report. I was told through email not to do that it was not necessary. I provided all and any documentation to communication with the merchant. And I was told that there would be no more than 60 days. It has been over 75 days now. I have emailed numerous times with no response whatsoever. I have now contacted on more than XXXX times every single day for the past 10 days with run around and more than likely most times. They just hang up on me with no response. They just tell me it's been sent to another department and then they hang up on me every single time. They do not allow me to even say anything else once I figure out that it's me. I would like a resolution because I know just as well as they do that this was not me. My card information was stolen because I left my card accidentally at a gas station on the counter. I even went to the gas station to. I have a precious report filed against the convenience store clerk. Who I believe is the one that stole my Information. Payfare has been more than unprofessional and more than unresponsive to any and all of my concerns regarding this because I am a XXXX XXXX Full time And I generate more than {$7000.00} worth of taxi for the company every single month consistently for almost a year now and to be treated and this type of manner with no help no resolution and any and all promises and guarantees made by this company to resolve my issue for the money that I hard earned honestly. And you have complete and total disregard for that and complete and total disregard for my contribution to the company at 2 try and have a decent honest. Living to have no help whatsoever and as I say again complete and total disregard or any type of loyalty from their end on their promises and they're guarantees it's like falsely. Promote is a disgrace and I'm ashamed that I even have to do this to make a living now knowing that I have no type of protection. Whatsoever when it comes to the money that I make for thiscomforting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
There are several hard inquiries on my credit report that I did not authorize and would like to report as fraudulent and have them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: FL

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am writing to address an urgent matter regarding the recent payment I made to settle the collection account on my credit report. Despite fulfilling my part of the agreement by promptly paying the balance due, I have discovered that the collection item has not been removed from my credit report as promised. 
To provide you with a brief overview of the situation, I recently reported pro collect to CFPB and was informed by them " The consumer was sent to collections on XX/XX/2022 from XXXX XXXX XXXX. The balance due is {$100.00}. The consumer was mailed a letter notifying the consumer of the debt due. The consumer 's dispute was reported and proof of debt will be mailed to the consumers mailing address. As a solution the consumer may call the office at XXXX ext. XXXX XXXX XXXX to pay the bill. As a courtesy Procollect will extend a courtesy deletion. Within 24-48 hours Procollect will furnish a paid in full letter via email or fax. Thank you for your time and patience in this matter '' We agreed on a resolution where I would make a payment and Procollect would extend a courtesy deletion, effectively removing the collection entry from my credit report. 

I made the payment in full, as per our agreement. However, I have since reviewed my credit report and found that the collection item is still listed, negatively impacting my credit score and financial standing. This discrepancy is causing me significant distress and concern, as I have taken proactive steps to address this matter in good faith. 
I kindly request your immediate attention to rectify this situation. As agreed, I expect Procollect to honor its commitment and promptly remove the collection item from my credit report. Additionally, I would appreciate receiving a paid in full letter via email or fax, as previously mentioned in our communication. 
Please understand that this issue is of utmost importance to me, and I expect a prompt and satisfactory resolution. I am confident that we can find a suitable resolution to this matter. 
I eagerly await your response and a prompt resolution to this issue. Thank you for your attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: WI

Complaint narrative:
It is the duty of Equifax, according to the fair credit reporting act, to be reporting true and accurate information on my credit file. however they are not, Equifax is reporting 3 inquiries that I Did Not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reference : 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
This law states " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ''. 
I disputed these inquiries on myequifax.com and I have filed and sent Equifax an FTC report that they received XX/XX/XXXX in regards to the inquiries and noted that the inquires were unauthorized. I have uploaded the FTC report to this complaint. I called Equifax 3 times over the course of 1 week ( I called and spoke with agents on XXXX XXXX XXXX ). The first two agents were foreign and I needed them to repeat what they said many times because I could not clearly understand their English. They ultimately said they could not see my FTC report and were unable to speak with the department in charge of reviewing this document and " neither could I ''. That I must wait to hear from them. Finally the third agent was able to see my FTC report and submitted a dispute that came back same day with results that claim the inquiries are valid! I demand to know how these unauthorized inquiries are valid when I, the consumer, did not authorize them. 
These unauthorized inquiries on my credit report are damaging my score and my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
You are reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX XXXX XXXX Balance : {$670.00}

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 non-monetary relief