vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the {$190.00} charge from XXXX  XXXX XXXX XXXX XXXX in XX/XX/year>. This charge was sent to collections, but I believe I am not responsible for the debt due to a failure by the hospital to appropriately triage and manage my emergent condition. 
On the date in question, I arrived at the XXXX  XXXX XXXX XXXX XXXX with a prolonged blood glucose level exceeding XXXX mg/dL, secondary to a viral illness. I checked my XXXX ketone level at home which revealed a level of > XXXX mmol/L, which is considered a critically high level. 
XXXX at this level is a life-threatening condition that requires immediate medical intervention to prevent serious complications such as diabetic ketoacidosis ( DKA ), coma, or death. 
However, after being triaged, I was informed that I would face a XXXX wait to be seen. I told the triage staff that I was scared to wait several hours because I was vomiting, fatigued and had a bad headache. I work in the medical field as a registered nurse with ICU experience, and my father is an emergency room physician. After speaking with my father, he informed me the dangers of waiting this long before being seen and advised me to be seen elsewhere. 
Realizing that my condition was critical, I sought treatment at another emergency room ( XXXX XXXX XXXX ), where I was triaged at a much higher level and treated for XXXX without delay. The second facility immediately recognized the severity of my condition and provided the necessary care to stabilize my blood glucose levels. 
XXXX has denied the claim for the XXXX  XXXX XXXX charge because no treatment was provided during my visit. The {$190.00} appears to be a triage fee, but I believe it is unwarranted because the triage process failed to appropriately assess and address the urgency of my condition. 
The failure to recognize the imminent dangers of blood glucose levels over XXXX mg/dL constitutes substandard care. 
For your reference : XXXX above XXXX mg/dL can lead to severe dehydration, electrolyte imbalances, organ damage, and diabetic ketoacidosis ( DKA ), which are medical emergencies requiring immediate treatment. 
A ketone level of XXXX mmol/L is critically high and requires immediate medical attention. This dangerous sign points to and diabetic ketoacidosis ( DKA ) which can lead to coma or death without proper treatment including fluid resuscitation. 
The decision to delay my care by XXXX hours placed me at significant risk, forcing me to seek timely medical attention elsewhere. 
I respectfully request that this debt be removed from collections and from my credit report due to the improper nature of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Paypal credit is by far the most predatory credit service I've ever used, and avoiding extra charges requires a level of vigilance that is downright impossible and unfair. I always made the minimum payments required to " avoid standard deferred interest ''. It's a checkbox you can select on their own payment screen. Yet somehow, on XXXX separate occasions, I was charged a total of {$160.00} in interest. There is XXXX information or transparency available in my statements, transaction history, or anywhere else to see how the interest is breaking down or being applied. 

I also regularly scheduled payments before due dates, only to have them disappear and get charged a late fee anyways. The most recent example was this month. I scheduled a payment on XXXX and it never went through. Also, the late fee is applied ON the due date and not after, so they don't give you a fair window to pay your bill. I was charged for XXXX separate late fees totaling {$200.00}. They refunded XXXX late fee after my first complaint so the total is {$160.00}. If I tried correcting unprocessed payments and running payment again to avoid late fees I'd get double charged. Obviously, the service is set up to make you fail because late fees are where they make their money. 

Overall, on a service that was supposed to be 0 % interest " same as cash '' I was unfairly charged {$320.00} in interest and late fees. I have closed my account and felt obligated to report these blatantly obvious, profit-seeking, and scammy practices. Unbelievable coming from companies as huge as XXXX and Synchrony bank.

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 2024-12-16 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: MO

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-16 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: MO

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Consumer Name : XXXX, Social Security Number : XXXX SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This XXXX XXXX OPENED ON XX/XX/2022 IN THE AMOUNT OF XXXX, AND XXXX XXXXXXXX ACCOUNT, IN THE AMOUNT OF {$3600.00} fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-12-16 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY XXXX XXXX XXXX - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY XXXX XXXX XXXXXXXX - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY XXXX XXXX XXXXXXXX - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY XXXX XXXX XXXXXXXX - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY JEFFERSON CAPITAL SYST - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT JEFFERSON CAPITAL SYST - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXXXXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX BLAZE - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXXXXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXXXXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XX/XX/year> XXXX XX/XX/year> I recently reviewed a copy of my credit report and noticed some unrecognized and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I recently submitted a report for my Lowe 's credit card that has been charged off. I have now received communication tactics from a debt collection company by the name XXXX XXXX. I called and offered them a settlement of {$1200.00} to clear this account, but they denied the offer and stated that they could potentially sue me if I could not settle this debt for no less than half of the {$6200.00} owed. I can not afford that, but I also can not afford to be sued.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am extremely frustrated with the lack of action on your part regarding accounts on my credit report that are still in litigation. Ive contacted you numerous times to address these inaccuracies, and yet, nothing has changed.

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 2024-12-16 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Subject : Formal Complaint Regarding TransUnion Credit Reporting Practices To Whom It May Concern, I am writing to formally submit a complaint regarding what I believe to be inaccurate and unfair handling of my credit score by TransUnion. Despite consistently maintaining excellent financial habits, my TransUnion credit score remains inexplicably low, and I am seeking an immediate investigation and resolution to this matter.

Details of My Complaint : I have maintained low credit utilization, consistently staying within or below recommended levels. 
I have no recent hard inquiries listed on my credit report. 
My payment history is 100 % positive, with all accounts paid on time and in full. 
There are no derogatory marks or collections reflected in my report. 
Despite meeting all the criteria for strong creditworthiness, my TransUnion score does not align with scores from other credit reporting agencies or accurately reflect my financial responsibility. I have reviewed my TransUnion credit report thoroughly and found no errors that would justify this discrepancy. 

I have kept detailed records of my credit scores from this year, along with all relevant financial documentation, to validate my claim. This issue has caused unnecessary stress and negatively impacted my ability to obtain credit on favorable terms. 

Resolution Sought : A full review and correction of my TransUnion credit report to ensure accuracy and alignment with federal credit reporting standards.

A detailed written explanation of why my TransUnion credit score is significantly lower compared to other credit bureaus, despite my strong financial profile.

Assurance of compliance with the Fair Credit Reporting Act ( FCRA ) and federal regulations.

Please note that I take this matter very seriously. If this issue is not resolved promptly and fairly, I will not hesitate to seek legal consultation to protect my rights and ensure that TransUnion complies with its obligations under the law. 

Contact Information : XXXX XXXX XXXX I expect a timely response and resolution to this issue. Thank you for your attention and cooperation in addressing this matter. 

Sincerely, 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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
The day XX/XX/year> Robinhood sent me an email with the title : Action Required : Your account is temporarily restricted, then next it says : We notice some unusual activity on your account, so we temporarily restricted it to keep you safe. To resolve this restriction, we just need to verify some info to make sure it's really you. Be Sure to have these things to hand. Photo you ID, Live selfie photo, PDF bank statements. 
I got all of it and then submitted all of the documents the next day, today is XX/XX/year> and i don't have any news about it, I need my money back from Robinhood to my bank account and I can't because my account is restricted and don't let me make any move, I need my money for personals matters and they don't let me get it, I already send emails to customer services, I tried to write to the chat with customer services but the app do not let me, I tried to call to customer services but it says they are experiencing longer waiting time and I am in the wait list, they will call me back, but they never call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely frustrated with the lack of action on your part regarding accounts on my credit report that are still in litigation. Ive contacted you numerous times to address these inaccuracies, and yet, nothing has changed.

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