vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
XXXX XXXX, XXXX I received an invoice from ONline IS, a collection agency, stating I owed {$750.00} for an emergency room visit on XX/XX/XXXX at XXXX, XXXX XXXX XXXX in XXXX, TX. I called the number provided and spoke to a young man. I didn't get his name. I told him I believe this invoice is in error, because I have never been to Texas and I was not in Texas on that date. He said he would file paperwork for validation and send it out to me. I received the letter on XX/XX/XXXX with the " validation. '' The type is extremely small and really doesn't have any personal information on it other than a name that is the same as mine and the same birthdate. Under address, it states " BAD. '' Oh yeah, and my XXXX. Mind you, this is at the height of COVID. How many people went through that hospital ER? Not me. I was home, in another state. The paper they received as validation '' shows that the original charge was {$750.00} on XX/XX/XXXX there was a " Discounted Selfpay '' ( XXXX ) of {$400.00}. So the " new balance is {$350.00}. So, their initial invoice to me for {$750.00} was " incorrect '' I called this agency again ( XX/XX/XXXX ) and spoke to XXXX, Assistant MGR of ONline IS and told her that this isn't me. I haven't been to Texas. I asked her where they come up with my address and she said that " we had your name, birthdate and State and that's all we need to start this process. '' They didn't have my phone/cell too... until I called. The don't have my maiden name, my insurance information, my ethnicity, my ssn, my spouses name, etc. They went fishing and caught me, an honest person. I called XXXX, XXXX XXXX XXXX in Texas and spoke to XXXX, in the Business office and told her what was happening. She looked up the info, my name and date, and she this info was in the system, but there was a {$0.00} that was due. She also said they did not have any of the information I listed above ssn, ins, etc. She said that they don't use outside collections only in house ( CLRA ) and she has never heard of ONline IS but did say that the ER acts like a separate entity and wasn't sure how they operated ( no pun intended ). I was not provided an itemized bill. I do not have the number of XXXX XXXX XXXX, MD ( SXXXX XXXX XXXX XXXX  ) who was the doctor who worked in the ER of XXXX XXXX XXXX XXXX XXXX with the person that has my name and same birthdate. I have never received any type of correspondence from this office or this doctor. There is a patient ID on the print out. I am NOT this person. I did not go to the state of Texas during that time or anytime for that matter.I have filed a report with FTC and my local police. My local police responded and said DO NOT take any phone calls or provide them any further personal information. Which I won't but I am worried that they will attack my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: NY

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-25 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: GA

Complaint narrative:
I lost my wallet a year back that resulted in me being a victim to identify theft.I contacted XXXX as well as transunion via letter XXXX XXXX it is now fXX/XX/XXXXand i have yet to recieve a reply.

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 2022-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CURO Intermediate Holdings
State: AR

Complaint narrative:
I didnt get this loan they tried to take out {$630.00} of my money I didnt get from they say I got {$400.00} dollars I havent got

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: DISCOVER BANK
State: PA

Complaint narrative:
Several inquiries were placed without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: OR

Complaint narrative:
On XX/XX/22 I contacted XXXX, TransUnion, And XXXX Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.

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 2022-02-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: MS

Complaint narrative:
ERC ( enhanced recovery company ) has been calling me from spoofed numbers. They are trying to collect a debt from XXXX that I Incurred in XXXX and that was discharged in bankruptcy in XXXX. The collections agent named XXXX told me that it was impossible for the debt to be discharged in bankruptcy because it went delinquent in XXXX. 

He threatened to put the item on my credit report. Again the debt was discharged in bankruptcy. I have since opened an account with XXXX for cell service that is in good standing. If I had bad debt with att I would not have been able to open cell service with them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: GA

Complaint narrative:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2022-02-25 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: GA

Complaint narrative:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2022-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been attempting to reach FEDLOAN by phone / email ( multiple times ) for hours on end only to be put on hold from one department to the other then disconnected. On XX/XX/22 I spent 3 hours on hold and tried to call 4 different times hoping someone would help me with my issue. This is as i said one of many attempts I have submitted multiple documents to verify that my employer is a recognized organization that falls under the loan forgiveness. they have accepted 6 payments. I have been paying on my income driven loan for over two years and they have not honored the agreement. This company is completely incapable of providing the service and should be dismissed from the contract they are getting. Please put an end to this for me and others. i have multiple friends than

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
I received a debt collection bill from what was apparently a cell phone bill. It came to my current address but under my married name. I have been divorced and back to my maiden name for over 10 years and I never had a cell phone through XXXXXXXX XXXX DBA XXXX XXXX!!! Someone obviously used my information to obtain a phone or something fraudulently. It would be easy for someone to figure out who did the fraudulent activity by first figuring out where the phone actually went to. Because whoever received the phone is the one who fraudulently used my information to obtain it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Debit card got blocked for suspicious transaction amount XXXX $ that the bank blocked and I had to call to check whats is the problem. 

I called the bank on XXXX XXXX and clearly indicated I don't want this transaction being authorized and asked them to unblock the card, The agent of Bank of America agreed and said she made a note in the system to stop this transaction from being debited then unblocked the card, After few days, on XXXX XXXX, from the card was unblocked I was surprised the bank allowed this transaction to be processed again causing my company loss of XXXX $ followed by XXXX $ apporx for international transaction fees, I called to dispute it but the bank didnt recognize and refused to refund me this amount. 

How come if I rejected this transaction before to be reprocessed if I unblock the card!!! The card should have been covered by insurance against these transactions and should provide immediate refund but unfortunately Bank of America didn't honor this insurance. 

I made a dispute and no response, I made many calls and finally filed a complain and again no feedback for weeks. 
My account number XXXX Name of Account Holder XXXX XXXX XXXX XXXX - XXXX XXXX My phone number XXXX Complain Number 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 monetary relief
Consumer complaint received 2022-02-25 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: GA

Complaint narrative:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2022-02-25 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: GA

Complaint narrative:
I have previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XXXX XX/XX/2022 I received an email from notify@chime.com informing me that the email address associated with my account had been changed. The email addressed me by my mother 's name, not mine. Additionally, I was not aware I had a Chime account so I was very concerned this could be some kind of scam or phishing attack. 
That same day I replied stating this was an unauthorized change, to freeze the account, and to apprise me of the situation. 

On XX/XX/XXXX I realized I had never received a response from Chime. I resent the email to their standard support address. 

XX/XX/XXXX I received a boilerplate response that I would need to contact them from the email address associated with my account ( which was what was changed by whoever was trying to hijack my account ). Otherwise I could submit my photo, government id, and SSN to verify my identity. 

XX/XX/XXXX I responded with my refusal to provide my personal information on the basis that they had originally called my by the wrong name and I did not trust who they were. 

XX/XX/XXXX They sent another boilerplate e-mail reiterating their desire for my personal information XX/XX/XXXX I sent an email asking for my issue to be referred to a fraud or oversight department within their company, or if there was a financial regulatory organization I could contact instead of running into their brick wall of boilerplate responses. 

XX/XX/XXXX I received yet another boilerplate response stating that they need my personal information. 

Chime has refused to have any meaningful communication with me and I refuse to provide them with my personal information as I do not recall the creation of an account and they are calling me by the wrong first name. The fact remains that they have an account that was until recently connected to my email address and they have allowed a third party to take control of that account. Despite my appeals that this issue be referred to a department that can actually investigate the issues I have been refused any assistance and have received nothing but copy and pasted responses from Chime member services. 

I think my least favorite part of our e-mail chain was when Chime wrote that " We do not change our customer 's email address without receiving the confirmation and required documents to protect our customer 's account and personal information. " Which, if that was indeed the case, this issue wouldn't be occurring in the first place because this all started based on them informing me of an e-mail change, and I don't believe anyone has a picture of me holding up my id in one hand and a piece of paper with the date in the other. Nobody had that to change my email originally, and yet it was changed just the same...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MS

Complaint narrative:
My name is XXXX XXXX and Im a consumer/ natural person submitting this complaint on the behalf of myself without any involvement or influence from a third party.

TransUnion committed fraud on my consumer report and I did not consent, nor authorize these unauthorized accounts nor hard inquiries on my report, I demand that TransUnion remove the unauthorized accounts and hard inquiries immediately thats shown in the attachments.

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 2022-02-25 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
On XX/XX/XXXX 2022 I sent a HIPAA letter to XXXX at their address via certified mail. I never received notification of this debt and asked the company to provide me validation of the debt by sending a copy of the contract that I supposedly have with them, my actual signature, and by requesting documentation of how they calculated what I supposedly owed to them. On XX/XX/XXXX22 I received a letter stating the debt was verified by the creditor with an amount owed and nothing more. As a protected consumer, I have a right to know the information requested for validation. I provided the company the appropriate amount of time and have not received sufficient validation.

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In reference to XXXX XXXX ending in XXXX. I have asked for reporting information to be reviewed because it is not accurate. I have reached out to the CEO and CFO. My request was denied. I have never missed a payment. I have always paid monthly. I did make a mistake in payment amount for XXXX. Im asking that my report reflect all payments made and consideration be given for the mistake in payment amount. I never meant to be short {$6.00}. It was an oversight that I corrected the instant I was made aware of my mistake.

Company response to consumer: Closed with explanation