vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: SC

Complaint narrative:
I was told at my appointment XX/XX/2021 that this amount had been either paid by insurance or written off and I have a statement from the provider that shows a XXXX  balance. Now, a year later, this " TekCollect '' company out of nowhere says that I owe this amount. There is much more detail in the attached statement of what has occurred. TekCollect flagged my credit report with unpaid debt FOUR DAYS after the first telephone call to me and they have not returned my phone call to get this resolved. My credit score has gone down XXXX points due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from EQUIFAX, XXXX and XXXX credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : 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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The company wrote a fraudulent statement that I closed this case. I demand a retraction and an actual reporting of any and all collective information including recordings and documents of their investigation.

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 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Transworld Systems Inc. sent a collections notice for an unpaid invoice. I am trying to fully satisfy the amount owed. Their online system allows for a one-time payment option, however when trying to use that option, payment fails because " the EmailAddress field is not a valid email address. '' No where in that one-time payment process was an email even requested. I tried to call them on the only phone number listed on the notice ( XXXX ). When connected, the automated greeting does not advise that you are calling Transworld Systems Inc., just that the next available agent will be with you shortly. Once connected, an agent named XXXX was to assist me once I provided the Account Number. I did so and she simply repeated herself 3 times before terminating the call. This happened 5 more times until I called back a sixth time and spoke with another agent. When I provided the account number she advised that she was unauthorized to take any action on this account. She attempted to transfer me to someone who could assist, but was unable to connect me and provided me another number ( XXXX ). I called that number 6 times and each time was disconnected after the automated recording. I called back, was hung up on by XXXX another 3 times. Once connected to the same agent as earlier, I advised her that the number she gave me disconnected me the 6 times that I tried to call. She advised she would try to connect me with a person who could assist. After waiting on hold for 15 minutes or so, I was connected with someone to whom I voiced my concerns and was trying to help me get this issue resolved, however I was told that " a code needed to be changed '' so she could take payment on this account. She advised that she put that request in with her supervisor so that I would not have to be transferred again. Then I was disconnected again. I called the XXXX number back 4 times until I was connected with XXXX. He was able to assist me without transferring me or requiring supervisory approval. 

This runaround took the better part of an hour, all for a {$39.00} balance that I wanted to just resolve in full. I am beyond frustrated with these deceptive tactics first by not having a system that actually allows for payment to be easily made. Second by not identifying the company in the automated greeting. That made me feel like it was a scam. Third, getting the run around from the call center and not being able to assist with anything on the account and being hung up on or disconnected when I was to be " transferred '' to someone who could assist me. No consumer should be strung along for the better part of an hour just trying to pay something, being told someone couldn't help, not getting connected to the right people and continuously being disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX has left a fraudulent Hard Inquiry on my personal file from Citibank XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted Citibank and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to change my password on the TRANSUNION website. I already have an account on their website, I just want to change the password. I follow their online process to do so, and it then says it will send me an email with a security code of some sort. They never send me this security code. I can send and receive email perfectly on my XXXX email account, but I never get the security code from TRANSUNION . I called and spoke with one of their agents who was unable to assist. Very frustrating, unacceptable, unresolved.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
CFPB + Experian, The companies below have many inaccuracies on my Experian credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Experian credit report for many blatant inaccuracies they refuse to fix.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inaccurate information and fraudulent accounts on my credit report that were not opened by me ( See attached FTC Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I communicated with the alleged debtors and requested proof of claim and to validate the debt within 30 days ( See attached Debt Validation Letter ), and so such debt was validated.. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, a line of credit or for to procure goods and services.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is violating the FCRA and not adhering to the law governing such. The accounts are as follows : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

Equifax has taken 60 days including the investigation. I have all certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
There is a fraud account on my credit ( Amsher collection ). I've contacted the company and informed them that this account doesn't belong to me. Its still continuing to report on my credit. Please remove this account as it is NOT MINE and I dont know who opened or used this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
Earlier this year, I visited a free-standing ER called XXXX XXXX XXXX XXXX XXXX I was told by the receptionist that as an uninsured patient, I would have to pay {$750.00} up-front to be seen. 

As I was having what I thought was a severe medical issue, I went ahead and put it on my credit card. The doctor ran a slew of tests, including a total body scan that I came to understand was unnecessary and then did an extra scan on my neck claiming there was a mass there. The neck scan seemed to be superfluous, as it happened as I was just about to be discharged. He also talked to me about another condition in my pelvis. I told him I already knew I had those because I had a procedure the year before when I was insured. Afterward, he said the thing in my neck was not a big deal. Again, I only came to make sure that another issue was not happening. 

On my XXXX, XX/XX/27, I woke to an email from a person named XXXX XXXX from a company claiming to do debt collection for the facility, XXXX XXXX XXXX. The email said they would be investigating business about me as to why I hadn't paid the debt. I emailed XXXX back telling them that XXXX ) I had never received any bills from XXXX so I don't know why they'd jump to a collections agency, XXXX ) the PDF he included did not account for the {$750.00} I paid, and XXXX ) that I need an itemized list of the charged because they are trying to charge me over {$25000.00}. 

XXXX 's response said that they will send a request for invoicing although the client claims to have sent me two bills to the address on file and that he would " proceed with his position " till '' that time. '' I never received any bills from them. I would have addressed a $ XXXX bill If I had. 

I requested he send the invoice to me through email so that I can ensure I get it and won't be at the mercy of the USPS. 

I then called XXXX and explained the situation. XXXX, the receptionist, transferred me to their " billing department. '' Even though I asked XXXX if it was the true billing department or this collections agency and he said it was their billing department, it was XXXX XXXX XXXX. I got a voicemail for lunch hours. I hung up. 

I went to the BBB and saw that XXXX has an F rating and never responded to any of the complaints filed against them. That's when I decided to file this complaint because if a " free-standing '' ER is running up tabs like this, does not send bills to their patients to even give them a chance to pay, and then won't even answer BBB complaints, I think I need the CFPB to look into the collection practices going on for a facility that offers medical treatment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, 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:
TransUnion verification process requires information related to others and identity theft. I was asked to verify the address and location of a rental property I owned but the preface to the question indicated it was my primary residential home at some point which it was not. Additionally, I was asked to verify that my nephew XXXX XXXX owned property in XXXX, XXXX. I believe he owns the property but I could I be certain. Both questions appear to be related to my identity theft claims involving fraudulent FHA loans and other fraud used misrepresenting my name and personal information.

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 2022-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank has been calling my phone everyday since I closed my acct. I had not used my lane Bryant but their new policy is to charge {$2.00} a month. When I seen that I just closed my acct because I dont use the card and it has racked up late fees from then charging {$2.00} as well as interest. I was never notified. I have asked them to stop calling. They called back to back and when I answer there is no one on the line and when I finally do speak to someone theyll act clueless. They are the only company calling so Im sure after calling several times in the morning Im receiving unknown calls in the afternoon. I answered one and the call was disconnected then seconds later they were calling again. I didnt list dates because this had literally been everyday for the last month weekends and XXXX  included.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In response to previously closed complaint case number XXXX Wells Fargo card services has blatantly Falsified information in regards to a closed account being reported To the credit bureaus. 

They claim that their customer service agent never mentioned or advise me to reach out to the credit lenders when I have a recorded audio and my mobile phone records to prove the time dates in lengths of this conversation. 

I will attach the highlighted parts of the Wells Fargo card services response and I have since reached out to Wells Fargo executive office regarding this matter I would like to make it plain that they have violated my consumer rights totally and below is attached the phone records and if you have a email that can receive audio files I will also send you the recorded conversation this should not be happening and I need your help.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Remove late payment from Capital One XX/XX/XXXX and XX/XX/XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: GA

Complaint narrative:
Fed loan is reporting a balance as well as my new student loan company called fed loan and they stated it will be corrected in moths my credit report is showing I owe more for my student loans causing a higher to debt ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

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