vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XX/XX/XXXX and XX/XX/XXXX : multiple phone conversations with XXXX XXXX  XXXX Arizona XXXX XXXX Billing Department explaining to them that I was inappropriately billed for hospitalist physicians services using old XXXX XXXX information from many years ago, despite XXXX XXXX XXXX gathering my updated XXXX XXXX XXXX XXXX. I requested for the billing to be re-ran through my current XXXX. I was notified by billing department that this could take 90 days to re run, and I would not receiving a bill during that time XX/XX/XXXX : XXXX XXXX XXXX Arizona XXXX XXXX files for bankruptcy, with bankruptcy completing at unknown later date XX/XX/XXXX - XXXX XXXX uploads Explanation of Benefits on their website that services for {$1300.00} in question were denied as MDs were out of network ( I am appealing this actively as I was admitted to the hospital under emergency services and the XXXX billed their services as outpatient despite my life being in jeopardy due to XXXX with required XXXX ). 

I never received a bill from XXXX XXXX XXXX Arizona XXXX XXXX at any point in time after I discussed with them the need to re-run the insurance on XX/XX/XXXX and XXXX, XXXX. How could I possibly pay a bill before it needed to go to collections if I was never sent a bill or even knew that it existed? 

XX/XX/XXXX - I looked at my XXXX cards credit report, and I have a derogatory event where this bill was sent to collections ( Credit Management Company at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ). My credit score dropped from approx XXXX down to XXXX I have not been contacted by this collections agency, however I am being harmed by my credit significantly, when I was never notified of a bill owed. This appears illegal and highly inappropriate. XXXX XXXX XXXX XXXX XXXX XXXX never sent me a follow up bill, went bankrupt, and when I called to attempt to discuss with the company at their current phone number ( apparently bought out the original billing group ), they state that they can not access my claim from XX/XX/XXXX. I had no way of known or following up with anyone regarding this bill, as I was never contacted to even consider paying the bill. My credit is significantly affected and I would like this to be removed from my credit report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported.

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report.

I appreciate your prompt attention to this matter and look forward to your swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported.

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I don't recall doing any business with XXXX XXXX XXXX. Yet it's on my credit report. I have never done business with this 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 2024-07-07 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
I have no knowledge of this company. The inquiry just appeared and has been on my report ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was waiting on a XXXX payment to receive through capital one. Capital one sent me an email saying the transaction was flagged for no reason, so I wont receive the money or see it in my activity feed for up to two days when I need the money for rent and wouldnt of used their service since they claimed it was a direct deposit. I called capital one and they said theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I opened a dispute with Equifax. XXXX reported that Equifax has not updated my XXXX XXXX balance since XX/XX/year>. On XX/XX/year> XXXX XXXX corrected this information. I just received an alert today from XXXX that states Equifax has reported information that my creditor has not reported to them. A few things, XXXX XXXX is closed today, They only report once a month, and last but certainly not least they just received a payment for the total amount that Equifax has reported. I just paid them they have no reason to report that. Equifax is fishing for information and has reported info that was not provided by my creditor. By doing this they have impacted my credit score unnecessarily and destroyed my lending opportunities. When I went to check my credit report it was no longer posted on their website. I have attached supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I have no knowledge of this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am trying to use my American Express gift card but it wont work anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Re : XXXX Dear Capital One : The following account was charged off by Capital One on XX/XX/year>. I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay 10 % of the {$1000.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$100.00} payable to Capital One in exchange to have all information related to this debt removed from all of my credit files. 
If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Capital One. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

To resolve this matter fairly, I propose the immediate removal of these accounts from my credit report to comply with legal requirements. If there are any discrepancies or further clarifications needed, I am willing to provide additional information or documentation. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Payfare International Inc.
State: CA

Complaint narrative:
I made a purchase on XXXX for {$48.00} originally on XX/XX/year>, and when I saw that one of the items wasn't going to arrive before XXXX XXXX I canceled that item right away. the amount was then adjusted to {$25.00}. I then called XXXX customer service, and they said the authorization hold would go away after 10 day, and the money would be put back but it wasn't. I then called customer service again after the 10 days, and they said that the authorization hold was up, and that the funds should have been put back by the XXXX of XXXX. I then called the number on the back of my dasher direct card to get help, and I got the run around saying the money was there, but it never appeared back in my acct after that hold was adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In the Chase Branch at XXXX XXXX XXXX XXXX, XXXX, NJ I went in to pay off a Home Equity Loan ( HEL ). At the branch they called a Chase number to get a payoff dollar amount. No details were provided to me, just what Chase said is the number. When I later reviewed the HEL in the Chase App, I saw there was a Recording Fee of {$25.00}, a late charge of {$8.00}, and a second Recording Fee of {$25.00}. During the life of this HEL, I was never informed why and for what reason they are imposing Recording Fees. Why now when I am closing the account? Why two Recording Fees each for $ XXXXWhy a late charge of {$8.00} when I am paying the loan off on XX/XX/year> when the next account due date is XX/XX/year>. I did pay the previous month 's HEL payment. A larger question is this Chase 's policy to laden a Mortgage/HELC loan account closing with a full payoff by imposing fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

To resolve this matter fairly, I propose the immediate removal of these accounts from my credit report to comply with legal requirements. If there are any discrepancies or further clarifications needed, I am willing to provide additional information or documentation. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

To resolve this matter fairly, I propose the immediate removal of these accounts from my credit report to comply with legal requirements. If there are any discrepancies or further clarifications needed, I am willing to provide additional information or documentation. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
In XXXX of 2023 my debit card was charged 11 times. I have finally been refunded all but one charge. I am still owed XXXX refund / reimbursement of XXXX dollars.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date Of Birth : XX/XX/year> Content of Complaint : The CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulently, inaccurate, and false information consist of personal credit account opened with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX ( Reported BY XXXX XXXX XXXX ), also consist of XXXX XXXXXXXX XXXX XXXX  Amount : XXXX ( Reported BY XXXX XXXX XXXX XXXX XXXX Amount : XXXX ( Reported XXXX XXXX XXXX  ) also consist of an account with XXXX amount : XXXX, also consist of utilizes bill with Frontier XXXX, XXXX XXXX XXXX XXXX Amount : XXXX ( Reported by XXXX XXXX XXXX ) XXXX XXXX XXXX line with XXXX Amount : XXXX, and finally also consist of a loan with XXXXXXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquires as reported. The aforementioned accounts, collections, and hard inq appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inq are results of identity theft and fraud, I have attached a copy of FTC identity theft criminal complain # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit account, collections and inq are result of identity theft and fraud

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