vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
The previous dispute was closed without any attempted action whatsoever. I'm not seeking a contact from the company I'm seeking resolution. 
This medical debt was not properly charged to the insurance and should not have been sent to collections. The hospital made a billing error, sent that to collections, and sent it to the wrong address. UCB has continuously lied about their contact efforts having never called me and never made an attempt to collect this debt. When they placed it on my credit report I contacted them to make a payment arrangement only to be told I must pay the entire balance or don't even bother paying. At the time of the hospitalization I had dual insurance companies- Friday ( XXXX ) and XXXX. Friday had a fully met deductible and covered hospital stays at XXXX XXXX The hospital -only- billed XXXX for this. By the time UCB attempted to collect this, the time period from Friday had waited so long the hospital could no longer attempt to charge it. This is a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall 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 2024-10-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am submitting a complaint regarding Chimes mishandling of my dispute for unauthorized XXXX transactions that occurred throughout late XXXX and early XXXX. Despite my detailed claim and the fact that all the disputed transactions involved the same merchant, Chime has only issued a partial resolution and failed to provide a reasonable explanation for their decision. 

Chime acknowledged that an error occurred, but has denied the remaining claims without any clear explanation. They have stated that no error occurred for the other disputed transactions from the same merchant, which makes no logical sense given that the nature of the dispute is identical across all transactions. There should be consistency in their resolution, and the remaining transactions should also be considered unauthorized. 

Chimes statement that they have reversed all applicable fees is also questionable. If some of the transactions from the same merchant were unauthorized, why would the other transactions not incur applicable fees, especially given they are part of the same unauthorized activity? 

Chime does not offer a reasonable communication method for customers to address dispute concerns. They do not provide an email address for direct contact or a chat feature with access to real human agents. All communication is funneled through automated responses, leaving customers with no effective way to get timely or accurate assistance. This is a violation of basic consumer rights to adequate support and service. 

This partial resolution is not only unfair but also contradictory, given the identical nature of the transactions. I hope the CFPB can help rectify this situation and ensure Chime fulfills its legal obligations under Regulation XXXX and its own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: IL

Complaint narrative:
XXXX XXXX, XXXX, Date of Birth : XX/XX/year> ( P, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX under the account number XXXX, XXXX opened on XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX  under the account number XXXX, XXXX opened XXXX under account number XXXX, XXXX XXXX XXXX under the account number XXXX, XXXX opened on XXXX, XXXX XXXX XXXX XXXX on XXXX under the account number XXXX, XXXX XXXX XXXX XXXX  under the account number XXXX, XXXX opened XXXX under account number XXXX, These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
I recently checked my credit reports with XXXX, XXXX, and Equifax and found erroneous and inaccurate information on my credit report after previously informing these credit reporting agencies of the erroneous and inaccurate information. There are multiple names on my credit reports and I have only XXXX. XXXX XXXX is the only spelling of my name that should be included on these reports, all other spelling are inaccurate. There should only be XXXX address on my credit reports, which is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; all other addresses are erroneous. There is an account listed on my Equifax report as XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX # XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is erroneous and must be deleted immediately. There is an account listed on XXXX, XXXX, and Equifax as XXXX XXXX XXXX XXXX XXXX, which is listed as a charge-off, The IRS Clearly defines XXXX charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account inaccurate! By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. Delete this account immediately. There is an XXXX from XXXX XXXX XX/XX/year> that appears on Equifax that I did not authorize. There was no permissible purpose and this inquiry must be deleted immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
I recently checked my credit reports with XXXX, Experian, and XXXX and found erroneous and inaccurate information on my credit report after previously informing these credit reporting agencies of the erroneous and inaccurate information. There are multiple names on my credit reports and I have only XXXX. XXXX XXXX is the only spelling of my name that should be included on these reports, all other spelling are inaccurate. There should only be XXXX address on my credit reports, which is XXXX XXXX XXXX XXXX XXXX XXXX  ; all other addresses are erroneous. There is an account listed on my XXXX report as XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on Experian as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX, Experian, and XXXX as XXXX XXXX XXXX XXXX XXXX, which is listed as a charge-off, The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account inaccurate! By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. Delete this account immediately. There is an XXXX from XXXX XXXX XX/XX/year> that appears on XXXX that I did not authorize. There was no permissible purpose and this inquiry must be deleted immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld.

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 2024-10-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the tile of a consumer that the consumer identifies as in information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft! Please delete items immediately. 

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection in any consumer report agency may tarnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer whom it relates, I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am requesting deletion of all negative reporting accounts immediately. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CO

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2024-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
XXXX XXXX from XXXX, was making arrangements in XXXX to pay, payments not being applied to balance. Ordered a judgement, still tried to make arrangements, payments not applied, they increased balance. Due to job loss, COVID and previous hurricane situation, finanical situation became dire. Attempted to contact to assistance, they refused to correspond back. 
Fast forward to XXXX, a wage garnishment was ordered against me for nonpayment of a XXXX XXXX XXXX medical bill. Unknown about situation and action, as the information listed on employer documents forwarded indicated an address of XXXX XXXX XXXX, Upon XXXX XXXX records, an attempt to serve notification of supena was attempted in XXXX, but to the old address of XXXX XXXX XXXX 
No notification, no communication of situation. 
Therefore, had no knowledge or legal basis to defend and attempt to resolve from that time ago. 
Credit report shows medical bills was XXXX. 
Attempted to call and was belitted as to attempt to resolve this issue, as they increased the amount by XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the tile of a consumer that the consumer identifies as in information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection in any consumer report agency may tarnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer whom it relates, I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am requesting deletion of all negative reporting accounts immediately. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NV

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the tile of a consumer that the consumer identifies as in information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection in any consumer report agency may tarnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer whom it relates, I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am requesting deletion of all negative reporting accounts immediately. Thank you for your time.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
We have no record of a contract or an official agreement signed with this company, Pro Collect for the amount of XXXX. Pro Collect has placed false information on the credit report. For this is perjury by the assumptions, presumptions, fictitious-language.

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 2024-10-01 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:
XXXX XXXX, XXXX, Date of Birth : XX/XX/year> ( P, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX under the account number XXXX, XXXX opened on XXXX under the account number XXXX, XXXX XXXX on XXXX under the account number XXXX, XXXX XXXX on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX, XXXX  on XXXX under the account number XXXX, XXXX opened on XXXX, XXXX  XXXX opened XXXX on XXXX under the account number XXXX, XXXX XXXX on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX, These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief