vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I will start by saying this is a long and difficult situation and I hope that this never happens to anyone else. This medical debt has XXXX parties involved MY INSURANCE COMPANY, XXXX XXXX AND RADIUS GLOBAL SOLUTIONS but I am only reporting my actual insurance company ( SUNSHINE HEALTH ) by not giving me the proper information/documentation in order to resolve this debt. In XX/XX/2019 I went to quest diagnostics to get my blood drawn. Once completed quest diagnostic billed my insurance company. My insurance company stated they only covered about 60 % of my bill which left me responsible to owe quest diagnostics in the amount of {$480.00}. XXXX then sent this unpaid bill to a debt collector called radius global solutions. I submitted a claim with my insurance company to see if they would cover the remaining balance of {$480.00}. After submitting the claim my insurance company ( XXXX XXXX ) went ahead and covered the whole amount of the {$480.00} but never not once did they communicate that with quest diagnostics or radius global solutions. Now I have a outstanding debt currently with radius global solutions that is affecting my credit because my insurance company failed to send anything over to quest diagnostics in order for them to cancel out this debt with radius global solutions. I have been consistently calling them in order to get something in writing via email or mail to state that they paid the bill in full. They stated that they would send something out over a month ago to my home address and never did. They also stated that they were unable to email me anything stating that they paid the bill off as well. Im so confused as to the fact that I am not able to receive anything stating that they paid the bill off or at least for them to contact quest diagnostics in order to resolve this issue.

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 2022-04-20 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: Bliksum, LLC
State: VA

Complaint narrative:
Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Social Finance, Inc.
State: VA

Complaint narrative:
Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
In accorda

nce with the Fair Credit Reporting, Everything has to be 100 % accurate on my report. The credit bureaus stated these acco
unt : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-20 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, Everything has to be 100 % accurate on my report.

The credit bureaus stated these account : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
In response to complaint XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for furnishing this false and misleading charge off to my consumer report. 
World Acceptance Corporation stated, XXXX XXXX received a loan from our XXXX, GA branch on XX/XX/2017, in the amount of {$420.00}. 
XXXX aware that my signature paid for this transaction, and nothing was actually loaned to me. To insinuate that I was actually loaned anything of equal value constitutes a fraud being committed. 
If this bank did indeed give me a loan as they allege, I would need a senior XXXX member of this organization to put on a sworn statement of facts attesting to that. I am aware that obtaining money by means of a fraudulent loan would make World Acceptance Corporation liable for civil and criminal penalties under 18 Code Code 1341. If this cant be done, World Acceptance Corporation cant allege they loaned me anything and shall return to me, by way of check to the address on file, the {$70.00} I made to this fraudulent loan. 
World Acceptance Corporation state XXXX XXXX debt was charged off, not canceled. 
I would like to thank you for clarifying that the alleged debt was charged off an because it was charged off, I am aware that collection activity should have ceased. Collection activities include reporting delinquencies to the consumer reporting agencies.

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 
This account is reporting as both inaccurate and false and misleading. You are now committing unlawful extortionate collection activities and in violation of 15 Code 1681s-2 by furnishing knowingly false and misleading information as a means of coercing me to pay this alleged debt.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 
This is my refusal to pay this alleged debt until the documentary evidence requested herein this complaint is provided. 
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
On XX/XX/2022, at XXXX I had got an alert from XXXX XXXX XXXX Experian XXXX and XXXX XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.

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 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I was charged over {$900.00} for multiple fees that I believe were made up by the company as every account I transferred money from had money in them at the time of transfer and I was charged for the same transaction of a {$300.00} transfer which was a mistake by me and/or the application being used. I should not have been charged over {$900.00} in fees! Please help me get my money back. SoFi demanded for me to pay over {$900.00} and it was taken out of accounts that did not have the funds by them! I was told that they took it out when the initial account used for the transfer was empty. Now my XXXX account is negative over {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: DE

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
A number of negatives have not been addressed because they fail to open any new disputes! 
Other reason Looks like you've already filed a dispute for this item Under Section XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. XXXX If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. The facts are this item is on for years and they never addressed my input but would rather accept the incorrect information of the lender. Why is my credibility in question?

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 2022-04-20 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: DE

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account 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 2022-04-20 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: DE

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account 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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
On XX/XX/2022 I was approved for a home loan refinance with Amerisave Mortgage. On XX/XX/2022 my proof of income was verified by my employer. On XX/XX/XXXX, I e-signed an initial disclosure locking in my rate of 3.25 %. I chose to rate lock the loan with an expiration date of XX/XX/2022. On XX/XX/2022 my loan XXXX told me I was scheduled to close on XX/XX/XXXX. On XX/XX/XXXX I received notice that I had to sign a new disclosure when it was actually a new loan application listing a 4.5 % interest rate and reducing my documented and employer verified income by {$9000.00}. On XX/XX/XXXX and XX/XX/XXXX my loan XXXX said he would call me to discuss how to to clear up the issues. He has not returned any of my calls. I suspect the company is raising my interest rates due to the federal reserve 's recent rate increases.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, at XXXX I had got an alert from trans Union XXXX XXXX XXXX and XXXX XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.

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 2022-04-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, at XXXX I had got an alert from XXXX XXXXXXXX XXXX XXXX XXXX and Equifax XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 XXXX XXXX XXXX, Dept. of EduXXXX XXXX  account # XXXX has violated my rights Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is this possible while they are still reporting 90days late then 120 days, then 120 days again and not even 30 days or 60days late how is these accurate. This is ground for removal. 

15 u.s.c 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an 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 2022-04-20 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, Dept. of EduXXXX XXXX  account # XXXX has violated my rights Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is this possible while they are still reporting 90days late then 120 days, then 120 days again and not even 30 days or 60days late how is these accurate. This is ground for removal.

15 u.s.c 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
In accordance with the Fair Credit Reporting, Dept. of EduXXXX XXXX  account # XXXX has violated my rights Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is this possible while they are still reporting 90days late then 120 days, then 120 days again and not even 30 days or 60days late how is these accurate. This is ground for removal.

15 u.s.c 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Sometime in 2021, my Chase credit card account was merged with that of my father without my or his permission ( I am XXXX XXXX XXXX ). As a result, I could no longer access my account online, which made using the card a problem. As such, I cancelled the card in the summer of 2021. My father cancelled his Chase cards shortly thereafter. 

In XXXX of 2021 I received notification from my father that Chase had emailed him regarding a Chase card that did not match any of his credit cards. As it turns out, this was my card. Around the same time I started receiving phone calls from collection agencies regarding the card. 

I attempted to contact Chase multiple times, and each time was told some version of " you need to speak with an account supervisor. '' However, every time I was transferred to a supervisor, the call was disconnected. This happened on multiple occasions over multiple days. 

When I finally reached Chase, it became apparent that there were several fraudulent charges on the card that Chase said they would investigate. There was also a recurring charge that had been applied to the card despite it having been cancelled. Chase claimed to have no record of the card being cancelled. 

I agreed to wait until the fraud investigation had been completed before paying the balance on the card. At this time I went over my contact information ( including mailing address, email address and phone number ) with Chase and repeatedly informed them that my father had nothing to do with this account. They assured me that I would be contacted. 

In XXXX of this year, my father received an email confirming that the investigation was complete and stating our new balance on the card. Thankfully, he forwarded that to me. I spoke to representatives from Chase who assured me that they would mail me our current credit card statement so that we could pay the balance. We do not have access to the online account as it has been closed and was merged with my fathers account in 2021. 

This week my father received another email stating that the card was past due, which included additional late fees. We have received no communication from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation