vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: CA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ALL FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS PER FCRA 605B ( a ).

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 2022-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC
State: LA

Complaint narrative:
The {$220.00} debt is related to a XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, ( XXXX ) XXXX ), who I previously saw for medical care, but stopped seeing in XXXX. In XX/XX/XXXX, I was admitted to an XXXX XXXX XXXX XXXX XXXX and I began seeing the XXXX XXXX XXXX at that facility. 

XXXX XXXX and I did not have a standing, recurring appointment arrangement. Every time I visited for an appointment, we would schedule the next appointment before I left the office. I cancelled my XX/XX/XXXX appointment because I was in rehab and seeing a XXXX XXXX. XXXX XXXX then booked ongoing appointments every 3 months for me in XXXX without my knowledge or consent. 

The {$220.00} debt, which has now been sold to a debt collection agency ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX ), is related to the appointments booked for me without my consent. I can not be charged fees for missing appointments that I did not schedule. 

I originally attempted to settle the issue with XXXX XXXX in XXXX, but the office refused to accept that I did not schedule the appointments and I do not owe the debts. I have since made 2 attempts to dispute XXXX 's report on my XXXX credit report, but XXXX and XXXX refuse to accept that I did not schedule the appointments and I do not owe the debt.

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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On my XXXX It is showing that I still have a car loan when in fact it is paid off and I have title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I noticed 4 charges hit my account that I did not make nor authorized. I immediately called Chime and reported the charges as fraudulent. Chime canceled my card and sent me a new card. However sine the charges where still pending I was told they either would not go through as they were alerting the merchants of the fraudulent charges but if the did ho through since I had contacted the same day the charges were made I would be credited for the fraudulent charges. Well on XX/XX/XXXX I still had not been credited as all 4 charges went through, so I called Chime who told me they now had to file a dispute and it would take up to 10 business days to get my money back. Less than 24h later on Saturday XX/XX/XXXX Chime sent me notification my disputes were denied even though they were aware the card was stolen. I reached out to the merchants directly and they all let me know they would investigate but questioned why they did not get notified by Chime of the fraudulent charges or from XXXX. I explained I filed a dispute and they all confirmed they had not received anything until I reached out. So Chime is allowing employees to decide without doing any due diligence in investigating whether or not you get refunded for unauthorized charges. I have spoken to Chime several times and have got nowhere in getting my money back even though they knew immediately the charges were fraudulent. Honestly I am now questioning if somebody in there dispute dept is involved in the theft, since they refused to investigate and denied my dispute less than 24h later on a Saturday a non-business day. I have had my account with Chime sine XXXX so its not a new account and my whole paycheck gets directly deposited into my Chime account since XXXX. Although the {$75.00} in fraudulent charges may be insignificant to Chime, to me and my family {$75.00} meant I am having to skip eating so my kids can eat because I dont have the money to feed us all so that {$75.00} means a lot to me. I just want what right and thats to have my money returned for the charges I did not make but Chime continues to refuse to help, which seems odd to me based on my dealings with other banks who took fraud charges seriously. I believe their in violation of the Electronic Transactions Act Regulations E and request your assistance in getting my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc
State: MD

Complaint narrative:
XX/XX/22 I tried to transfer {$1000.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

XX/XX/22 I tried to transfer {$38000.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX XXXX XXXX currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX XXXX crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 tried to transfer XXXX XXXX crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX ETH crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer {$450.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

All transfers still mark as pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SENT ALL 3 CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. XXXX XXXX, XXXX, AND EQUIFAX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SENT ALL XXXX CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. XXXX XXXX, EXPERIAN, AND XXXX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND 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 2022-11-20 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: NC

Complaint narrative:
I RECENTLY REVIEWED MY XXXX CREDIT REPORT AND I NOTICED INACCURATE INFORMATION BEING REPORTED. I NEVER AUTHORIZED THE BELOW INQUIRIES. THE FOLLOWING NEEDS TO BE REMOVED IMMEDIATELY : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SENT ALL XXXX CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. TRANS UNION, XXXX, AND XXXX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEED TO BE REMOVED : 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 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 2022-11-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Service Inc. has requested an amount I dont owe. I have provided documentation from XXXX XXXX. Courthouse showing the debt owed and refused by XXXX XXXX. PDQ Service Inc. still demands and reports the incorrect amount. Considering that this is an landlord debt, this is hindering me from moving. I have trying to resolve this for the duration of the last few years it has shown up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have freeze on my credit report at all three agencies. I am attempting to open a new bank account and they use Experian. My login did not work because my phone number has changed. In order to change my phone number they require that I mail them a letter with a bunch of identification information and someday they will send me via mail what I need to login. When I call Experian there is no possible way to speak to a real person. This is unreasonable. I now have to wait several weeks to gain access to my account so I can unfreeze the hold. The other two reporting agencies allowed me to do this online. How can a company hold that kind of power over me when I have not even granted them that power??

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 2022-11-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The 48-month lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to XXXX XXXX to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The XXXX lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to XXXX XXXX to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " XXXX by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''

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 2022-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE SENT LETTERS TO XXXX XXXX TO FIX MY PERSONAL INFORMATION THEY ARE THE ONLY CREDIT REPORTING COMPANY WITH MULTIPLE WRONG ADDRESSES. SPELLING OF MY NAME AND INACCURATE WORK HISTORY. I SENT THEM AN UPDATE WITH A COPY OF MY DRIVER 'S LICENSE AND THEY STILL DIDN'T UPDATE MY PERSONAL INFORMATION. 

THE CORRECT INFORMATION IS : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX TX, XXXX WORK : 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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: IL

Complaint narrative:
I hold my XXXX, XXXX, and some XXXX XXXX on Blockfi that currently fluctuates between {$60000.00} and {$70000.00} value. At its peaks this was worth around {$150000.00}. I am currently unable to withdraw my money due to the fraudulent way they have ran their business as well as their seemingly being exposed to XXXX in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: VA

Complaint narrative:
In accordance with the Fair Credit ReportingXX/XX/XXXXXXXX account # XXXX, XX/XX/XXXXXXXX account # XXXXXX/XX/XXXXaccount # XXXX, US BKPT CT XX/XX/XXXX XXXX account # XXXX, US BKPT CT XX/XX/XXXXXXXX account # XXXX, US BKPT CTXX/XX/XXXXXXXX account # XXXX and 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 an account without my written instructions

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 2022-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I was enrolled in the COVID Forbearance Program and was told by a Citizen 's employee that it could be extended to 15 months. When I called to resume payments I was told I had to apply for a modification because I was actually only eligible for 12 months and that their employee had made a mistake. During the Forbearance process I was repeatedly given the runaround, I was told to supply the same documents that had already been sent, over and over again. Although I was given a " Relationship XXXX '' named XXXX XXXX, no email or direct line was ever provided. Every call went through the same laborious process. 
Finally a Modification Agreement was created. 
A Notary provided by Citizens came to my home on XXXX, and my wife and I signed the Modification agreement. Since that time Citizens have sent me monthly statements that do not reflect the agreement. Every month I have had to call in and make the agreed payment over the telephone. Sometimes I am told that the paperwork takes time. The papers were signed and notarized XXXX months ago which is way more than enough time. Sometimes I am told that the Notary should have had my wife and I sign two copies and that I will be contacted by another Notary. However no one has contacted me. 
Attachments contain documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: CA

Complaint narrative:
The BlockFi terms of use state that a users wallet is their own property at all times, and not the property of BlockFi. BlockFi, however, has acted as if it is their property and refused to provide access to, withdrawals of, or otherwise has converted users assets contrary to its own terms of use and without authorization of the users. 

The Wallets should be returned to each own, especially XXXX assets which were represented to be backed 1:1 from instititutions, thereby knowing that the assets can be withdrawn. Any other action by BlockFi is not legal and is akin to fraud, embezzlement, and stealing of user assets -- especially if such assets are being used to finance BlockFi 's other initiatives or financial problems with separate and distinct loans or related transactions.

Company response to consumer: Closed with explanation