vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I am a retired, XXXX veteran who served 30 years in the XXXX XXXX. I received treatment for my XXXX while on XXXX XXXX, which ended in XXXX. The treatment that was used was called XXXX, which is a form of ketamine. While on XXXX XXXX, my treatment was covered, and when I retired, I struggled with my XXXX and XXXX. I sought treatment with a company called XXXX. I was told my XXXX XXXX  covered it, and I would only have to pay a deductible, which I did during each visit. I received a bill from XXXX XXXX which stated I owed a large sum of money for the medication, which went directly to the doctor 's office and was only used during my visits. I informed the doctor 's office that I had received a bill for a large amount of the ketamine medication, but I was never given the amount and dosages on the bill. They told me they would clear it up and apparently never did because my credit report is now in collections. I firmly believe the medication that XXXX sent to the doctor 's office was given to other patients or distributed in different manners ; either way, I was never directly in control of the medication until it was given to me at the doctor 's office, I was never administered the amount of drugs that I received a bill for, and now had been sent to collections.

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 2024-09-07 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: RI

Complaint narrative:
I need your help with a false account on my credit report that has damaged my reputation. Your errors in handling my credit have caused significant distress, and I urge you to correct these mistakes so I can live peacefully with 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 explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

collections the XXXX XXXX XXXX {$300.00} Date Opened XX/XX/year> Inquiries XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year>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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

collections the XXXX XXXX XXXX {$300.00} Date Opened XX/XX/2023 Inquiries XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a credit card and a savings account with CITI bank, they sent me a promo through their app saying that if I open a new checking account I would get a {$300.00} bonus if I do direct deposit totaling {$1500.00} within the first 90 days of account opening which I did and met all the requirements. The 90 days have passed and I never received the bonus, I then reached to them and I was told they had no such promotion going on. I did some research online just to find out that they did the same thing to other customers.

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 2024-09-07 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: PA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
it has been more than 30 days that I have requested this information about the validity of the account and the reporting violation.

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 2024-09-06 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: FL

Complaint narrative:
I am seeking your assistance regarding the incorrect account appearing on my credit report. This issue has been damaging to my reputation, and I need your support. Your mishandling of my credit information has greatly impacted my life, and I ask that you remove these errors so I can regain peace with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Ive noticed inquiries on my credit report and Ive contacted them and sent them letters for verification of the inquiries and they never responded because Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2024, I was the victim of a massive account takeover to all of my checking and savings accounts with USAA. The thieves called the bank, pretended to be me, ordered a new debit card and changed the address. The debit card was mailed to an address in XXXX. I live in XXXX Meanwhile, they made online charges and emptied my accounts. They even said my mortgage payment was fraudulent, revoked that, and then spent that. This happened in a matter of 24 hours. I was in touch with the bank at the time, and they froze my account. 

I was in touch with the bank during that time and they were able to investigate the fraud claims and reversed nearly all of them except for two : Two {$300.00} ATM withdrawals that occurred in Florida in that same 24-48 hour period of theft. After receiving the initial denial of these remaining fraud claims, they told me to write them a letter disputing the claim. I did. They denied the claims again and revoked the provisional credit they had given me of {$600.00} during the height of the fraud resolution. 

After that, I had several interactions with USAA 's frontline customer service reps, as well as their escalated " Member Resolution Services '' teams. Every time I spoke with " Member Resolution Services, '' they said saw the problem and would consult with the fraud team about it. I never heard back from anyone on it until I called an insisted that a member of the fraud team call me. 

When I spoke with a member of the fraud team, they said the issue had been take to their " Account Takeover '' Division, which is different from the " Fraud '' Division. I never heard back from them. 

I called USAA again during the summer to demand a resolution to my third or fourth dispute of the fraud claim. They gave me another provisional fraud credit of {$600.00} while they investigated again. They again denied the fraud claim and revoked the provisional credit. I have had {$600.00} stolen from my USAA account as a result of this fraud. 

I requested all of the documentation used by the fraud/account takeover divisions to make this decision and will include it as an attachment. I told them I would be reporting them to the Consumer Financial Protection Bureau. After this case is settled, I will leave USAA.

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 2024-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: PA

Complaint narrative:
This is more or less an update regarding my previous complaint. So I finally did receive a debt validation letter from Revco, Solutions debt collector. However, before I received the debt validation I actually did reach out to XXXX XXXX XXXXXXXX XXXX XXXX and explained the situation. Apparently, XXXX has agreed that I never received the original invoice and as a result has agreed to remove me out of collections. They failed to send it out. That's fair enough. I can forgive them as they were honest about it. The invoice is {$160.00}. I have agreed to work out a payment arrangement with XXXX XXXX XXXX. 
I'll have to wait until next Thursday because my debt is still with Revco Solutions. The hope is by next Thursday I'll be free from REVCO Solutions collection agency. I'm sure you can appreciate that these matters can cause extreme stress. I have a lot of my plate right now and it looks like in the future I will no longer be seeking anymore medical care because if this is any indication of what can happen, I would rather go without any specialist care. From now on I will only seek out the services of my Direct Primary Care physician. My primary care doctor I pay a monthly retainer membership so there is no surprise billing. This will of course limit the amount of care I receive, but to be honest and I mean this from the bottom of my heart -- I would rather die from some future illness or disease than to deal with medical collections. So therefore I will be canceling my future XXXX and XXXX XXXX. I can't rely on insurance based care. I'll still have medical insurance but I just won ; t use it anymore. 
On the Primary level I'll just have to focus on healthy eating, exercise, and the services from my Direct Primay Care Practice. 
I don't want to die from any illness, but I just lost all faith in the insurance based system. All it takes is one person to forget to send an invoice out and then I end up in collections. Not the way I want to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-09-07 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: NC

Complaint narrative:
I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with 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 explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute of Late Payment Charges Based on 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute the late payment charges that have been reported on my account 1. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
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  Please remove it from my credit report. 
If for the billing cycles of [ Insert Dates ]. I believe these charges are incorrect based on 15 U.S. Code 1666b, which outlines the timing of payments for open-end consumer credit plans.

Under 15 U.S. Code 1666b ( a ), a creditor is prohibited from treating a payment on a credit card account as late unless it has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. 

I have reviewed my records and found that I did not receive the statements at least 21 days prior to the payment due dates. Therefore, it is unreasonable to have reported these payments as late and to have imposed any penalties or negative marks on my credit report. 

Additionally, under 15 U.S. Code 1666b ( b ), if an open-end consumer credit plan offers a grace period within which the balance may be paid without incurring additional finance charges, the finance charge may not be imposed unless the statement detailing the amount on which the charge is based is mailed or delivered at least 21 days before the specified payment due date. Again, the delivery timing did not meet this requirement, as evidenced by the dates on my records.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These Companies put inquiries on my credit report without my permission I didn't Authorize nor I consent for this companies to pull are view my credit report this is a violation of the Fair credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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