vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Following a routine annual XXXX  check, I was scheduled for XXXX  apt for the second year in a row at the same XXXX XXXX XXXX XXXX facility. ( In XXXX I did the XXXX  as part of this XXXX  visit and was charged extra {$550.00} which I paid since that wasnt covered by my insurance. ) Then on XX/XX/XXXX I still had the same insurance and went to another XXXX  apt . Since I declined to have the XXXX  accompanying the XXXX  ( which is what typically is done ) she had to get special approval from her supervisor and doctor on duty. They both came to the front desk to face me and clarify that I only want the XXXX  to be done. At that point I was informed of the billing responsibility for this service ( ie the XXXX XXXX code XXXX cost of {$150.00} ). 

Timeline of events : XX/XX/XXXX Date of XXXX XXXX code XXXX. Thereafter, claim submitted to my XXXX insurance and they processed and paid XXXX for service code XXXX XX/XX/XXXX I paid the remaining balance for service code XXXX which was {$36.00} confirmation # XXXX XX/XX/XXXX I started calling XXXX XXXX after billing statements from XXXX XXXX on a different letterhead were mailed to me asking for another payment of {$540.00}. XXXX XXXX phone systems disconnect me a few times after long waits. Then I called again but was transferred to 3rd party answering service without any success of reaching the facility where I had my XXXX apt . Ultimately, I was allowed to leave a VM. 
XX/XX/XXXX XX/XX/XXXX First email from facility manager received asking me to provide docs which I did. After many follow-ups, she couldnt explain what services were provided for this second {$540.00} invoice so she passed me onto XXXX XXXX billing department. Where over the past 4 months Ive communicated over phone with 2 XXXX XXXX billing representatives, had a conference call with my insurance company and one of those representatives. Plus, I emailed XXXX XXXX  billing manager who never have responded. 
All in all, I was not made aware that I have to pay for a facility charge in addition to the professional service charge. The use of a single service code for XXXX different changes from XXXX different entities is deceiving. Especially, when this provider deals with XXXX screening and patients. 

Emails and evidence of the above listed documents are available per request. XXXX XXXX has hired Progressive Management Systems to collect the {$540.00} from me, XXXX. XXXX XXXX account # XXXX which states the amount owe is : {$540.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA
State: NV

Complaint narrative:
I received misinformation regarding co-signer release. I was informed that my cosigner can not be released because I utilized a hardship forbearance. This information was not on any of the loan documents when I originally signed the loan agreement. Nor was I informed when I contacted the loan serviser and steered into a hardship application. 

In XX/XX/XXXX, I applied for private loan cosigner release and was informed that I was ineligible due to utilizing a hardship forbearance. In XX/XX/XXXX, I requested a signed copy of my loan terms and this was not listed as a disqualifying event. 

This is practice is misleading and if I would have known, I would not have done a hardship agreement that would have disqualified my cosigner to be released. 

Also, the funds were directly given to me for use with XXXX XXXX XXXX expenses and XXXX is one of the schools listed in the XXXXXXXX XXXX XXXXXXXX lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I received an American Express Prepaid Business Gift Card from XXXX XXXX  XXXX  in XXXX, NJ as a winner in the XXXX XXXX XXXX XXXX XXXX XXXX. The card says on it that it has a value of {$1000.00}. I received this card around XX/XX/XXXX and put it in my lockbox, intending to treat it as savings for a later purchase. Today I decided that I was ready to use it so I went to check the balance. The card balance is {$460.00}, and several charges were made to it in the latter part of XXXX. I made none of these charges, and no one else had access to the card as I had it in a secure location. 

Initially I contacted XXXX XXXX XXXX today ( XX/XX/XXXX ) and they referred me to American Express, which I thought to be reasonable as I will explain below. I then immediately contacted American Express at the number provided on the gift card. 

I am part of a larger sweepstakes/contest community, and I have heard many complaints about the security of these American Express gift cards, so when I called American Express today , I was surprised to hear their representative tell me that the dispute process time frame is XXXX days. American Express has to know that they have a security issue with their gift cards and should have a better way to resolve these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-12 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: MO

Complaint narrative:
I am not the creator of these inquiries, and I am not connected to any of the creditors listed. I need their removal from my credit report immediately as they are affecting my credit report.

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 2024-04-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewed a copy if my credit report and noticed charges that do not belong to me. Please have these items removed from my report they are keeping me from obtaining housing

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 2024-04-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-12 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: FL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
A unfamiliar transaction showed in my transaction history recently from a company called XXXX XXXX XXXX XXXX I have no knowledge of this business. Multiple Unauthorized transactions where made to this business I have no knowledge of. Contacted cashapp to dispute and had no response. {$1900.00} was stolen from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX account # XXXX opened XX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason. 

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2024-04-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2024 XXXX shared my nonpublic consumer information to Experian, XXXX, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1

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 2024-04-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$35.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 

these account were never late. Please provide statements and records of all payments made and missed since I opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.It 's my understanding that transunion will investigate this account for me to ensure accuracy here are the accounts Iam asking you to verify as accurate : XXXX : Account Number XXXX XXXXXXXX XXXX  : Account XXXX XXXX : Account XXXX XXXX : Account 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 2024-04-12 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: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-12 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: CA

Complaint narrative:
On XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX closed my account in the amount of {$740.00}. They sent this information to the credit bureaus as a " Charge Off ''. Since then, they have not sent me a 1099-C form for a Cancellation of Debt for this item. I am requesting this be taken care off and delete this item from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XXXX  closed my account in the amount of {$740.00}. They sent this information to the credit bureaus as a " Charge Off ''. Since then, they have not sent me a 1099-C form for a Cancellation of Debt for this item. I am requesting this be taken care off and delete this item from my credit report ASAP.

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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Collections account from TSI collections appeared on my 3 credit reports, from XXXX XXXX in XXXX  It was on a closed account that was paid in full at closing. XXXX XXXX verified paid in full at the time. XXXX decided to " re evaluate '' the account a month after closure and added another XXXX. No mail, phone, voicemails, email, etc notification was sent to my new address ( or same phone and email addresses ). A few weeks ago a collections account from TSI appeared on 3 credit reports, dropping my score over 80 points. 

I emailed XXXX  who said " an adjustment was made a month after you closed the account '' so they sent it to collections 2 plus years after the account was closed. I emailed XXXX letting them know that the account was paid in full, verified as such at the time of closing and that I had received no notification otherwise. I told them that I would pay them immediately and directly, although I disagreed with the bill, but that I wanted the collections removed and to pay it to XXXX. They agreed, sent me a link to pay, which I did immediately. 

I emailed XXXX  again, letting them know it was paid to them via the link provided and to contact the collections agency to remove the collection account from my 2 reports ( I disputed 1 report and it was immediately deleted ). I received notification today that it is now listed as " collections- paid '' from TSI on all credit reports instead of being deleted as a collection account. My credit is still hit for over 30 points due to XXXX XXXX  error. I need to have the TSI collection account deleted from all credit reports as promised, as the collection was incorrect and the payment was made to cenhud, who told me that they took it back from collections due to the many errors in the billing. Thank you.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MI

Complaint narrative:
Upon requesting a credit line increase with one of my existing accounts, I became aware that there were a substantial number of collections and poor credit accounts that were not mine on my TransUnion credit report. These accounts only appeared on my TransUnion account and not the other 2 credit bureaus, thus hinting at an error with TransUnion. After filing an initial dispute it became apparent that someone else 's name appeared in numerous places on my credit file. It appeared that my data was mixed with other person 's. After a maintenance request with TransUnion most of the accounts that were not mine were removed from my file except for 1. I refiled the dispute but the investigation came back as verified as accurate and the account which is not mine remains on my credit file. TransUnion clearly did a poor job of verifying this account was mine and I had to call the lender directly to try to resolve it with them. TransUnion clearly has a very poor computerized credit reporting system that should be investigated. In addition, I had requested a freeze and fraud alert to be placed on my TransUnion credit report but came to learn later that they were never put in place. Also, the TransUnion website frequently malfunctions or prevents actions from being completed.

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