vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I had XXXX medical emergencies that required XXXX response teams and transported to the Emergency Room. The Ambulance company is called XXXX XXXX XXXX ( XXXX ). 

My insurance company, XXXX XXXX XXXX, has paid XXXX in a very timely way. XXXX continues to state that I do not owe anything for the emergency ambulance services per the No Surprise Emergency Rights & Protection Act. 

XXXX is out-of-network but I am protected by the No Surprises Act for emergency care for balance billing. My insurance company has contacted XXXX and is now in the process of contacting the XXXX, the Collections agency but they continue to harass me. 

From the beginning I have called, emailed and mailed correspondences to XXXX, the first collection agency XXXX XXXX XXXX and now XXXX. 

XXXX and collection agencies all have said that I need to tell my insurance company to pay the balance? That is not true. 

The procedure is that XXXX needs to file a form ( found on the XXXX website ) and the insurance company. It is not something that I can even do. They know that. I have mailed them the form. I have mailed and emailed XXXX XXXX 's phone number. 

On XXXX  letter that they mailed it says to call them with the insurance information. I did ( in addition to multiple emails and mailed documents ) and the representative on the phone refused to take the number. I have sent them multiple times XXXXXXXX XXXX EOB and the XXXX Rights and Protections Against balance billing for emergency services. 

The original XXXX bills state that XXXX has paid them but not what they billed and want to be paid. They direct me to appeal it with the insurance company and if they don't pay that I am responsible for the balance. This is illegal and against my rights and protection. 

They continue and continue to harass me with calls, emails and letters. 

XXXX taken by ambulance to the Emergency Room for a medical condition. 
Trip cost- {$1800.00} XXXX paid- {$870.00} Balance billing- {$990.00} XXXX taken to the ER by my mother. I was admitted to the Emergency room and the doctor order an emergency change of hospitals. 
Trip cost- {$3500.00} XXXX paid- {$1200.00} Balance billing- {$2300.00} XXXX taken by ambulance to the Emergency Room for a medical condition. 
Trip cost- {$2100.00} Ambetter paid- {$830.00} Balance billing- {$1200.00} XXXX XXXX and I filed another grievance against XXXXXXXX. 

XXXX I sent another formal request to XXXX  to stop harassing me XXXX I received XXXX letters from XXXX acknowledging my request to cease further communications but that I still owed the money. This is in direct violation of the No Surprises Act for Balance Billing for Emergency Services. There is no dispute that the services were for emergency. They are balance billing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I sent a letter to the company stating that I believed my rights under the FCRA and FDCPA were being violated pursuant to 15 U.S.C. 1692g. In that letter, I asked for the purchase agreement bearing my signature to show that I am the owner of the debt. I have the tracking number to show that the letter was sent and delivered to the company 's address. When I did not receive a response to my letter, I filed a complaint via the CFPB in XX/XX/XXXX again requesting a purchase agreement to prove that I am the account owner or for the account to be deleted from all credit bureaus if that information can not be provided. The company responded on XX/XX/XXXX2025, and I still have not received the requested information. Under 15 USC 1692g ( b ), the debt collector must provide verification of the debt, including evidence that they have the authority to collect the debt ( e.g., proof of assignment or a contract with the original creditor ). Please provide me with proof of the assignment for you to collect on this debt and/or the contracts that were signed in writing by me indicating that I am the owner of the alleged accounts. If this information can not be provided, the accounts should be promptly deleted from my credit report or you are in violation of my rights under the FDCPA. This is my third request for this information and if it is not received, I will pursue a civil lawsuit for violation of my rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within XXXX days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ).

According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
FEB-XXXX - XXXX, XXXX XXXXXXXX  XXXX XXXX - XXXX, XXXX XXXX  XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX, XXXX CARD - XXXX, BK OF XXXX - XXXX, ACCESS FED XXXX XXXX - XXXX, XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 2025-01-13 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: PA

Complaint narrative:
Dispute and complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXonsumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Information Reporting by XXXX XXXXXXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXXXXXX XXXX for inaccurately reporting information to my credit report. This inaccurate reporting has adversely affected my credit score and financial standing. 

**Details of the Complaint : ** 1. **Inaccurate Information : ** - The specific inaccuracies in my credit report, as reported by Equifax and XXXX XXXX include Inaccurate balance updates and last payment dates, incorrect account balances, also payment history is incorrect and not consistent between the XXXX reporting agencies. How can we say this is accurate if both XXXX XXXX and Equifax are reporting different information. Pictures will be included in this complaint. Please remove this account from my report. 


2. **Dates and Context : ** - The erroneous information was reported. I have made attempts to resolve this matter directly with XXXX XXXXXXXX XXXX, but have not had a response. 

3. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** - I believe XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) by failing to ensure the accuracy of the information they provided to the credit reporting agencies, Equifax and XXXX. Specifically, Section 607 ( b ) of the FCRA mandates that furnishers of information must provide accurate information and that they are liable for damages if they fail to do so.

4. **Impact on My Credit Report : ** - Due to this inaccurate information, I have experienced a very difficult time in getting employment, denial of credit, higher interest rates, and emotional distress. 

**Requested Action : ** I urge the CFPB to investigate this matter and take appropriate action against XXXX XXXXXXXX XXXX for their violations of the FCRA XXXX Additionally, I request assistance in removing this account from my credit report with Equifax and XXXX to reflect accurate information which they did not. 

Attached are copies of my credit report highlighting the inaccuracies, as well as any correspondence with XXXX XXXX XXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX BALANCED {$790.00}

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 2025-01-13 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: MS

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within XXXX days. Supporting documents are attached.

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 2025-01-13 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: MS

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within XXXX days. Supporting documents are attached.

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 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Overdraft fee ATM didn't give money and Wells Fargo took over 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 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bridge IT, Inc.
State: MD

Complaint narrative:
Another fraudulent app I specifically informed company to take what I owed XX/XX/2025 but they couldnt wait and went into my account without my consent and made an attempt causing me a return fee of {$29.00} I have filed bankruptcy and have an attorney and Brigit has no authorization to withdraw funds on or about XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A new address appeared on my credit report that I'm not associated with. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have no knowledge or relation to this address

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had autopay set up for my credit card with Wells Fargo and they randomly cancelled it last month, so I missed the payment and then they charged me a late fee. I tried to call, but always have to wait on hold too long and they don't have a way to contact them via secure messaging. On XXXX, I received an email saying I had deleted my autopay, but I did not do this and did not see the email. On XXXX, I was charged a {$29.00} late fee.

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 2025-01-13 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-13 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and Metro2 guidelines. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Report Date : [ Date from credit report, e.g., XX/XX/year> ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and Metro2 guidelines. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Report Date : [ Date from credit report, e.g., XX/XX/year> ]

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 2025-01-13 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: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX Balance {$10.00} XXXX XXXX Balance {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : XXXX XXXX XXXX Balance {$10.00} XXXX XXXXXXXX Balance {$1200.00}

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Continuous review of transactions without any resolutions or contacts to customer. 


Refuses to verify recent transaction as valid as told so several times. 

Unable to properly identify my card usages patterns because times changes and the economy changes which will require more or less use of credit limit.

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This request is essential for addressing consumer concerns related to personal financial information, account discrepancies, or inquiries about financial products and services. By collecting and verifying this information, we can provide accurate responses, resolve issues effectively, and safeguard consumers against potential fraud or identity theft.

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 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
between XXXX and XXXX I was pushed to forbereance and deferment durring various unemployment and hardship periods. They did not offer income based repayment. That is a lot of interest I am paying now. I thought i was part of the lawsuit, but no one reached out. Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
These accounts are reporting fraudulently. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
These accounts are reporting fraudulently. Please remove immediately.

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 2025-01-13 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: NY

Complaint narrative:
Second round of sending in a Victim determination to Experian. 
Round 1 : they " Experian '' claimed the information was not received, however they updated my credit file with my new address, which if not received would not have been available to them.

Round 2 : disputed all accounts, uploaded ( again ) Victim determination from GOV organization, Self Statement with all accounts and Inquires, ID and Current Utility Bill.

Four business days have passed no block on credit...

FCRA states the following : " Credit reporting companies will have 4 business days to block adverse information once it is reported to them and 25 business days to make a final determination as to the completeness of the documentation. 
Second round of submission was business days XXXX XX/XX/XXXX today is XX/XX/XXXX and there has AGAIN been no blockage or removal of information requested.

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