vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NPAS, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX I was taken to the XXXX  at XXXXXXXX XXXX XXXXXXXX XXXX by my partner because I was having an XXXX  attack, where I couldn't breath or couldn't stop crying. When I got to the the XXXX they checked by vitals and I waited about 30 minutes to be seen by a nurse. I explained the symptoms and nurse stated I was having an XXXX  attack. She told me how I was feeling and I said I was feeling better just scared cause I didnt know why I was feeling this way. when they explain what it was I put it together, " my XXXX year old was diagnosed with XXXX. and has XXXX and XXXX. Her medication has gone from {$52.00} a month too {$230.00} a month. I have medical insurance thru work " XXXX '' I figured this is the hospital that my insurance company stated I can go to in case of an emergency so I told my partner ok take me. I haven't visited an XXXX in over 14 years and my understanding was my insurance should cover some of the charge. But when I received a bill in the mail late XXXX. My XXXX returned when I saw what the bill stated I owed for 30 minutes at the XXXX where they only checked my vidals and prescriped medication which my pharmacy insurance covered most of the charge. {$1600.00} later. How can I pay this when I live pay check to pay check. I only really use my medical insurance for my XXXX year old because I know how much is her medication and treatments. I keep getting daily calls from NPAS Solutions and also bills in the mail. I tried calling the XXXX see if they would work with me but the person that I spoke too was rude and didnt help me. Her words were if you use the XXXX service you have to pay for the XXXX  service. I dont believe this charge is correct. Not like they did any test that required equipment. This bill has me stressed out with all the medical bills I have for my XXXX year old. how can you assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-29 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/2024 I contacted Ability Recovery Services and XXXX XXXX XXXX XXXX. 
I requested that this account be deleted or updated to correct the information. I have not received no response from neither of the two.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom this may concern my name is XXXX XXXX XXXX, and I am writing this statement for myself. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B- permissible purposes of Consumer Reports ( a ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) by the written instruction of the consumer to whom it relates. I've never given these consumer reporting agencies my written verbal instructions to report anything on my consumer report which violates my right as a federally protected consumer. No consent is also identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts immediately. 

ADDITIONAL UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom this may concern my name is XXXX XXXX XXXX, and I am writing this statement for myself. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B- permissible purposes of Consumer Reports ( a ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) by the written instruction of the consumer to whom it relates. I've never given these consumer reporting agencies my written verbal instructions to report anything on my consumer report which violates my right as a federally protected consumer. No consent is also identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts immediately. 

ADDITIONAL UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I recently discovered that AidVantage, an official servicer of Federal Student Loans, was reporting my loans, to XXXX at least, as CURRENTLY DELINQUENT. XXXX is another one, but I've sent a complaint about them. 

The loans in question came from the Fresh Start Initiative. It was not their loans. The Dept of Education pulled the loans out of default and reported them current and is no longer reporting the loans to credit agencies. They were sent to a non-default loan servicer, in this case AidVantage. They have taken it upon themselves to report the previous defaulted history, and are making a very serious mistake by also reporting them as CURRENTLY DELINQUENT. A mistake that should have been fixed already. They can not possibly be currently delinquent. 

I am a XXXX XXXX so this delinquency is not possible. I checked with my school regarding my enrollment certificate and it is correct. I contacted AidVantage about this and the response I received is very confusing. 

They are claiming that the loans were one time in default and that the deragotary mark would remain on my credit report for 7 years. 

One, I did not even claim that was the problem I had. Of course, they were at one time in default, thus the Fresh Start Initiative. My problem is that they are reporting the loans as CURRENTLY DELINQUENT. The last report they made to the credit agencies was that it was 120 days late back in 2019 and have not made any reports since. They also claim that the dept of Education has directed them to not make reports to the crediting agencies. 

The whole point of the Fresh Start initiative was to give consumers a new start. 

It makes no sense that the current payment status of my loans would say 120 days late. Especially since I have a deferment. It makes no sense that I should have to go through writing a letter, dispute it, etc. when it has already resulted in me being denied a private student loan. They erred when they reported the previous information about these loans and never updated them to reflect it's correct current status. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX is reporting a charge-off as having a payment due date of XX/XX/2024 how is this possible? I want clarification across all three credit bureaus and the CFPB to actually back me up when it comes to consumers rights and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is reporting a charge-off as having a payment due date of XX/XX/year> how is this possible? I want clarification across all three credit bureaus and the CFPB to actually back me up when it comes to consumers rights and accurate reporting.

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 2024-02-29 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank sent me a new debit along with a message stating We have changed from XXXX to XXXX XXXX, Don't worry you can still use your own pinn number. Everything stays the same. 
Just activate your new card by phone or at a ATM machine. I activated my card " no problem '' On XXXX XXXX I returned XXXX items to XXXX XXXX XXXX totaling {$790.00} there was no problem the associate said this will go back on your XXXX  card. The associate tried to complete the transaction and the computer denied it because the account did not exist. she tried the new card that Citizens changed and that did not work. She tried different ways to get the money back to me but could not I went to Citizens bank and spoke to XXXX XXXX who was very helpful I was with her for over an hour and she tried also to get money into my account. She said once the new card was activated your card was cancelled. because of citizens switching from XXXX to XXXX card. XXXX still has the items I returned in XXXX XXXX store they are waiting for the Bank to give me a solution. 
My project is now being held up as well as my {$790.00}. Citizens failed to warn there customers that they will not be able to receive any online credits to the old card. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : The following inquiries must be removed from my credit report : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NJ

Complaint narrative:
Mohela is transitioning to a new service platform and is telling me they can not provide me a payoff letter as my accounts are at a zero balance because of their transition. I am closing on a home equity and to pay these loans off and i can not get the information and this is holding up my home equity loan. They are telling me the process will be about 4-6 weeks. Being a XXXX XXXX- how are they not able to service their loans or provide information to a consumer? i have worked through many integrations in my time as a XXXX, and i think it has to be against some business practice that they can not have access to this information- and im shocked the government is not stepping in to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: RI

Complaint narrative:
This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a XXXX of XXXX and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under XXXX5 U.S. Code 1681.

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, AIDVANTAGE is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. 

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for XXXX XXXX. There are over XXXX different names associated with my credit report. At least XXXX are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with. 

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Original loan ( which banks can not loan ) States they were paid Cash, I did not produce any cash but a check at closing. They say I received money, WHERE? Then in research I have tried to get Wells Fargo and XXXX XXXX XXXX who bought it supposedly in XXXX, has advised they bought the " Promissory Note '' and now its in a trust. I have not found any Leins, I have been forced to file a 1099 A to Wells Fargo and a 1099C to XXXX. Since all Payment Coupons are being Kept, not returned and a notice sent that states they do not accept these payments. No action has been done. When I call any customer service I get transferred all around. I have even attempted to contact these Corporations. Yet again I get barely any info and Nothing specific of what I have requested. Now Wells has been reporting on my credit Until XXXX when I filed a complaint thru XXXX, they have now closed it on 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-29 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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