vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-13 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: ME

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX, {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
In XX/XX/2022 my debit card was stolen from my cash app account and over {$3000.00} was used and unauthorized on my account. I have contacted Cash App several times trying to speak to them about it and get my transactions disputed and they just put me on hold and never come back on the line or say they will send me an email and I never receive one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The card was opened in the beginning of XXXX. This was opened with out my knowledge. I received the card in the mail. I then called and reported the identify theft. I also contacted the Federal Trade Commission, they sent a letter to XXXX as well. Still no response. I contacted the three credit bureaus and filed fraud. They have removed everything from my credit report. I Still have not heard anything from XXXX. 
There were two other credit cards opened in my name that same day. Those companies sent me letters stating the accounts were closed stating it was indeed fraud. I now have a freeze on my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Friday XX/XX/2023, I awoke to an email alerting me that a dispute had been filed with another financial institution regarding a payment I had received on XX/XX/2023 through CashApp. The money involved in the previous transaction had been deducted from my account automatically and without authorization and supposedly returned to the account of the sender. I immediately contacted the sender and asked what was wrong. They replied that their account must be compromised and that they had opened their CashApp and noticed multiple unauthorized transactions. They claimed to be contacting CashApp through their support services to try and figure things out. The transaction refunded was for {$5.00}. Within hours I received two more emails claiming that two other transactions on XX/XX/XXXX and XX/XX/XXXX of 2023 were also being disputed and returned to the sender. By that time I had transferred my CashApp balance to my bank and locked my card only to discover that CashApp withdrew the money straight from my bank account, without my consent, to refund the supposed original sender. Both refunds were for {$20.00} each. I know the original payments were legit as they were for compensation of gas money, time and vehicle wear and tear for giving the sender a ride home when they did not have access to transportation at the time. So far I have been defrauded of {$45.00} total. {$5.00} from my CashApp balance and {$40.00} directly from my bank account through CashApp. After reaching out to CashApp support they said they could not comment and offered no help what so ever. It appears they are okay with facilitating fraud. On Monday, I will go to my bank branch to make them aware of this fraud and see if they can be of better assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
I received a letter from the XXXX program thanking me for applying for a XXXX program loan although I never applied for such. The letter also stated that they had received my credit score from EXPERIAN and that they were unable to verify application 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 explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to delete incorrect inquiries from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.

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 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, In accordance with the Fair Credit Reporting act Convergent Account XXXXXXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN XXXX AND EXPERIAN - PAYMENT SUMMARY AS EXPERIAN REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, XXXX REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I am writing to dispute the billing for dental services provided by My Plantation Dentist XXXX XXXX XXXX XXXX, on XX/XX/XXXX, via email for services on XX/XX/XXXX. 
It is important to note that they sent me this request almost 2 years after the service. 
They email that it is my responsibility to pay the claimed outstanding balance from services rendered in XX/XX/XXXX a balance which I was told would be covered by my insurance at time of service. 
Further, they claimed my insurance paid me directly {$140.00} but is demanding a full balance bill of {$510.00}. Balance billing is illegal. If I confirm that I was paid {$140.00}, this is all XXXX willing to pay as I did not request any premium services above what my insurance would pay. 
The dentist provided me with an estimated insurance coverage amount of {$510.00} at the time of service. 
I disagreed with their assertation and later received a collection letter. 
I promptly paid the patient estimated balance of {$410.00} with my XXXX XXXX XXXX  on XX/XX/XXXX. 
Additionally, the reason I left this dentist is because they were deceitful in their marketing practices. When I first called them and asked are you in-network for my XXXX XXXX XXXX XXXX XXXX XXXX, they responded YES. 
After several visits they started asking to pay balance bills for each visit for basic services. 
I questioned why I was being billed additional charges if your in-network for my insurance. They then claimed they were a premium provider in my network and therefore my insurance didnt cover most of their premium services or all my routine treatments and cleanings. 
I then wanted to switch but by then they had a full file of x rays on me. 
The ultimate reason I switched dentists in XXXX was that from the start of my treatments with this company, they insisted on me getting XXXX XXXX. In fact, the first visit they provided me with a treatment plan that included a {$10000.00} XXXX plan and insisted I sign it but said it was not binding. 
Every visit XXXX XXXX XXXX insisted I enter the Invisalign treatment plan and then tried to hard sell me the XXXX plan to pay for it. 
I repeatedly declined and then just found a new dentist as I was tired of this hard sell tactic and very disappointed that they were deceitful about being in my insurance network. 
I have an XXXX credit score and am concerned now this issue will ruin my credit and I do not own this money. If anything, I will only agree to pay any funds the insurance paid me directly, which I believe is {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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:
Experian has failed to properly protect my credit report from fraudulent creditors, and they have failed to properly verify accounts that are being reported. 

I have disputed creditor XXXX XXXX 2 times for a fraudulent medical collection in the amount of {$1500.00}. 

Each time I disputed the collection the creditor failed to submit any supporting documents to Experian. Therefore the collection was removed from my credit report. 

However, the creditor waits a few months and then fraudulently reports the exact same collection to my Experian credit report. Experian is the only credit bureau that has repeatedly allowed this creditor to abuse my credit report with out obtaining the proper requested documents from the creditor to verify that I owe this debt. The creditor has not furnished any supporting documentation whatsoever, yet Experian allows for this collection to be on my credit report without properly verifying the accuracy. 

Creditor : XXXX XXXX XXXXT Address XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX, MN XXXX Phone number ( 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 2023-08-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
A " pay-pal '' refund of {$23.00} minus a check fee of {$1.00} = refund amount of {$22.00} Never received my refund check which was supposedly mailed XX/XX/2023 Appealed their decision 2 times asking where my check was, which they denied 2 times I ask them to show me a canceled check, but they refused to do so It has been going on 2 months now and still no check in the mail I closed my account with them after XXXX yrs last week because of their fraud & thievery I just want my hard-earned money back I need your help please! 
Thank you! 
( transaction I.D . XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX XXXX OF XXXX ( XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX ( ORIGINAL CREDITOR - XXXX  ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX  ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX IN CO ) : XXXX, XXXX  XXXX : XXXX, XXXX XXXX. OF XXXX : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2023-08-13 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: Experian Information Solutions Inc.
State: AL

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 XXXX XXXX OF XXXX ( XXXX CREDITOR - DIRECT LOANS ) : 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 ( ORIGINAL CREDITOR - XXXXL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX IN CO ) : XXXX, XXXX XXXX : XXXX, XXXX XXXX. OF XXXX : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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