vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: FL

Complaint narrative:
I received services at XXXX XXXX on XX/XX/XXXX and was on a payment plan to cover my balance. During my initial visit, I informed the XXXX that I am a XXXX XXXX managing expenses on my own. Despite this, the office placed me on a payment plan that has now led to financial distress, which I believe could have been handled more responsibly. 

According to the office 's portal, my total bill was {$2600.00}. My insurance covered {$1700.00}, leaving me responsible for {$900.00}. I made six monthly payments of {$120.00}, plus a {$100.00} down payment, totaling {$820.00}. Despite this, I was told that {$700.00} of my balance has been sent to collections. 

The portal inaccurately shows that I have only paid {$170.00} toward my account, even though I have receipts confirming the payments. This discrepancy has not been adequately explained, and the office has not clarified how my payments were applied. 

When I contacted the XXXX  office to address these concerns, I was informed that accounts are sent to collections after 90 days of non-payment. However, my last payment of {$120.00} was processed on XX/XX/2024, which contradicts this policy. 

The representative I spoke with seemed uncertain and deflected my questions about the payment discrepancy. Instead of addressing my concerns, they focused on defending the decision to send the debt to collections. After I sent an email demanding written confirmation of the debt, I received a call back hours later. 

During the call, the representative suddenly cited a contract that I allegedly signed in XX/XX/2024. This contract was only sent to me after I pressed the issue, raising concerns about whether the terms are accurate or retroactively altered. Additionally, I never received a copy of this contract at the time I signed it, and I could not find it in my email records from XXXX. 

Lastly, I discovered the notice of the collections referral in my spam folder, meaning I was not adequately informed or given a fair opportunity to resolve the balance before it was sent to collections. 

I believe I have been unfairly treated due to billing errors, poor communication, delayed sharing of documentation, and deflective behavior from the representative, which has caused unnecessary financial and emotional stress. 
I believe I should have been provided with a copy of the contract at the time of signing or immediately after the treatment. The fact that it was only shared with me after I pressed the issue raises concerns about transparency and accountability

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/XXXX I visited a bar/restaurant in XXXX Tx XXXX I provided my card for 1 drink that I purchased and my card was charged for a different persons tab {$200.00}. I submitted the fraudulent charge to my bank ( CHASE BANK ) and they denied it even though I provided a copy of the signed voucher which was not my signature. I provided the bank my state issued drivers license which clearly had a different signature than the credit voucher that my card was fraudulently charged on. Apparently if I use my card at an establishment and their employee uses it for something that is not mine, the bank will not call it fraud because my chip card was present?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary stress and frustration.

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 2024-11-22 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXXXXXX 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 XXXXr : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

XXXXXXXX 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 KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES AS I DID NOT AUTHORIZE THEM ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I XXXX buying a ticket for my son XXXX, so i go to affirm page to buy the XXXX workd ticket. When i was in the check out affirm create a virtual credit card for the amount of XXXX $ where i have choose the plan of 4 months without interest to pay it. The virtual credit card and the loan works that when it will be charged the loan started and you have XXXX h to use it. So i trued, the merchant has not accepted a card that is not mine is made by affirm, so maybe they make a mistake so i have not used it and is expired, so in theory the loan must to br deleted. No the started it, the charged the first payment and now after spoke with them they say to me that He said, " The loan would be canceled within XXXX hours, but in this case, it will be settled after 21 days, by XX/XX/year>, if not sooner. '' And also Please be advised that we are unable to cancel the loan. However, you dont need to worry. As long as no charges are made towards the loan, you are not responsible for it. Typically, the loan would be canceled within XXXX hours, but in this case, it will be settled after 21 days, by XX/XX/year>, if not sooner. so typically is XXXX h but i am the lucky one that for a affirm problem i am charged for everything? Not fair. They already charged XXXX $ even the loan is not suppose to start

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I deposited a check from and employer for my office supplies and they froze my account they haven't said anything I have illegal activity I will say I have went to the branch and they still say nothing just someone will call

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 2024-11-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Midland Credit Management , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX  : XXXX / XXXX Subject : Notice of Dispute and Pre-Arbitration Demand** Account Number : XXXX XX/XX/2024 To Whom It May Concern, This letter serves as my formal Notice of Dispute regarding the alleged debt you claim I owe, associated with Account Number XXXX, which you reportedly purchased from XXXX XXXX XXXX XXXX  XXXX Additionally, this is a Pre-Arbitration Demand in accordance with the arbitration agreement contained within XXXX XXXX XXXXXXXX XXXX original account agreement. 
It is my understanding that as the purchaser of this alleged debt, Midland Credit Management XXXX Inc. ( MCM ) is now subject to all terms and conditions of the arbitration agreement. I am fully aware that initiating arbitration would impose substantial costs on your company, with initial fees for such proceedings typically exceeding {$3000.00}. I also understand that MCM likely purchased this alleged debt for pennies on the dollar. 
The reporting and collection actions you have taken have caused me significant XXXX, emotional distress, and financial hardship. Rather than immediately proceeding with arbitration, I am granting MCM one opportunity to resolve this matter amicably. To do so, you must : Pay me {$5000.00} to compensate for the harm you have caused me. 
Permanently delete the tradeline associated with this alleged debt from any and all consumer reporting agencies to which you have reported it. 
You have 15 days from the date of this letter to respond and confirm your agreement to these terms. If you fail to meet these demands within this timeframe, I will have no choice but to proceed with arbitration, where I will seek all available damages and legal remedies. 
This letter is not an admission of liability for any alleged debt. It is also not a waiver of any rights I may have under federal or state law. I reserve all rights to pursue further legal action if this matter is not resolved to my satisfaction. 
I urge you to consider the financial and reputational cost of arbitration and litigation, as well as the likelihood of a favorable resolution if you meet my demands now. 
Please direct all correspondence regarding this matter to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CO

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, I already comply all the needed detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I reviewed my credit report and identified several inaccuracies. As outlined under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information included in a consumer report.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), the treatment of inaccurate or unverifiable information mandates the following : If, during a reinvestigation, any disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must : Promptly delete or modify the information as appropriate.

Notify the furnisher of the deleted or modified information.

Under the Fair Credit Reporting Act ( FCRA ), all items in my credit file must be 100 % accurate and verifiable. Specifically : FCRA 611 ( a ) : Requires disputed items to be fully investigated for accuracy and completeness.

FCRA 623 ( b ) ( 1 ) : States that if the furnishing party can not validate the disputed account as accurate, it must be removed immediately.

Failure to comply with these requirements constitutes willful non-compliance under 15 U.S.C. 1681n, which carries penalties, including potential litigation and damages of {$1000.00} per violation. If these inaccuracies are not corrected or removed within 15 days of receiving this notice, I will take legal action to protect my rights.

Furthermore, I am a victim of human trafficking and identity theft. Given these circumstances, I am requesting the immediate removal of the following items from my credit report : I appreciate your prompt attention to this matter. 

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I reviewed my credit report and identified several inaccuracies. As outlined under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information included in a consumer report.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), the treatment of inaccurate or unverifiable information mandates the following : If, during a reinvestigation, any disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must : Promptly delete or modify the information as appropriate.

Notify the furnisher of the deleted or modified information.

Under the Fair Credit Reporting Act ( FCRA ), all items in my credit file must be 100 % accurate and verifiable. Specifically : FCRA 611 ( a ) : Requires disputed items to be fully investigated for accuracy and completeness.

FCRA 623 ( b ) ( 1 ) : States that if the furnishing party can not validate the disputed account as accurate, it must be removed immediately.

Failure to comply with these requirements constitutes willful non-compliance under 15 U.S.C. 1681n, which carries penalties, including potential litigation and damages of {$1000.00} per violation. If these inaccuracies are not corrected or removed within 15 days of receiving this notice, I will take legal action to protect my rights. 

Furthermore, I am a victim of human trafficking and identity theft. Given these circumstances, I am requesting the immediate removal of the following items from my credit report : I appreciate your prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, I already comply all the needed detail.

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 2024-11-22 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: TX

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 non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A credit reporting agency must follow reasonable procedures every time it prepares a credit report to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ).

Not only are the credit agencies required to create reasonable procedures to ensure that information on credit reports is accurate, furnishers must also create reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a credit agency. 12 C.F.R. 1022.42. These procedures must also be appropriately designed to account for the nature, size, complexity, and scope of the furnishers business. Id. The furnishers must also continually review their procedures and update them as necessary to ensure that the procedures are effective. Id. 

Account : 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A year ago I received an email that a someone attempted an inquiry for a line of credit. I attempted to dispute it with XXXX. Which is the only credit reporting agency that has this inquiry. They keep sending me to Chase who says they dont have information about it. Now over a year later there is a Chase account on my report as closed. However, I never opened or closed this account. I have XXXX Chase accounts and this account is not one of them. I need to know who opened it so that I can file a police report to get the person arrested and charged. But I cant do that if XXXX and or Chase does not provide me with the application for the line of credit and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 response to consumer: Closed with non-monetary relief