vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Adjusters, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX through the debt collector company named Southern Credit Adjusters , Inc had billed me for {$1200.00}. 

Firstly, they did not notify me at all about any form of debt collection, especially if it were to be unpaid and go to collections, and yet they also did not inform me of any form of debt cancelation, both violations of Consumer Financial Protection and Federal Regulations. 


The Hospital provided a service that was very unhelpful, in fact, quite harmful, considering the state that I was in : they were doing remodeling & reconstruction in the ER waiting room, with it being beyond freezing outside and having cold air breathing down my neck and body as I was dealing with 4 different sinus-related sicknesses, of which all 4 sicknesses were tested as positive by a NURSE PRACTICIONER FOR FREE! They charged me for no real service other than a possible case of sickness, with no defined cure. 

The Health Insitution then proceeded to, after I personally had to search for how to apply for debt cancelation, if there was to be any at all, not inform me of any remaining balance, if any, and any communication between me and the hospital had been severed not by my own will. 

Now, I attempted to pay the bill in full all at once, and yet they rejected me paying the bill for no notice. 

I do not know why they did such things yet this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-01 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:
After carefully checking my credit report, I have learned and been shocked that i have been a victim of identity theft, my personal information has been used to apply for card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024 2024

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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
I thought I was purchasing a XXXX XXXX for my store, which consist of a down payment for services and hardware, in which I paid, only to find out that the company XXXX  with out my knowledge had signed me up for an credit account, that apparently I was suppose to be paying on that I had no Knowledge of. To my Understanding my down payment that I paid at the sign up and the monthly payments after that, that we talked about was the only obligation that I knew of to My knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Adjusters, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX through the debt collector company named Southern Credit Adjusters , Inc had billed me for {$1200.00}.

Firstly, they did not notify me at all about any form of debt collection, especially if it were to be unpaid and go to collections, and yet they also did not inform me of any form of debt cancelation, both violations of Consumer Financial Protection and Federal Regulations.

The Hospital provided a service that was very unhelpful, in fact, quite harmful, considering the state that I was in : they were doing remodeling & reconstruction in the XXXX  waiting room, with it being beyond freezing outside and having cold air breathing down my neck and body as I was dealing with 4 different XXXX XXXX of which all 4 sicknesses were tested as positive by a NURSE PRACTICIONER FOR FREE! They charged me for no real service other than a possible case of sickness, with no defined cure. 

The XXXX XXXX then proceeded to, after I personally had to search for how to apply for debt cancelation, if there was to be any at all, not inform me of any remaining balance, if any, and any communication between me and the hospital had been severed not by my own will. 

Now, I attempted to pay the bill in full all at once, and yet they rejected me paying the bill for no notice. 

I do not know why they did such things yet this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
After carefully checking my credit report, I have learned and been shocked that i have been a victim of identity theft, my personal information has been used to apply for card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
How did you complete your investigation on these accounts listed below? These accounts are not accurate. I have attached XXXX different reports reporting different information. You stated this was verified. How did you verify this information? Account is listed as an Open account on some reports and Debt Buyer on anther. How can this be in collection but yet still be open? I have circled all errors. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number XXXX XXXX Date opened XXXX XXXX, XXXX. Account number XXXX Date opened. XX/XX/XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Once again, I have an account with Best Buy and I have the app for Best Buy when I look in the app. There is an option of my Best Buy credit card offered by Citibank now they say theres no open card. However I will upload this is literally an option for me to pay the bill, if theres no credit card in your name, Im pretty sure thats not a default option in the app. This is happening with multiple companies. Oh, when you cant get the credit card number because youre not the account holder or however, they pull this off but I mean, XXXX cant make sense of it.

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 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am a victim of identity theft. 

Fraud Account Information Company Name : Lnv Funding c/o Resurgent Capital Fraudulent account number : XXXX Fraudulent Balance : {$320.00} Alleged Original Creditor : XXXX I have never had any relationship with the company with LNV Funding LLC c/o Resurgent Capital Services & XXXX XXXX XXXX XXXX 
This account is not mine. Fraudulent account was established using personal identification without my authorization. 
This account is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Checked my report and found incorrect fraudulent information on my report.

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 2024-09-01 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: FL

Complaint narrative:
Good evening, My name is XXXX XXXX. 
Transunion is doing ALOT of illegal activity. 
I have shown them mountains of evidence that accounts on my credit report are a DIRECT result of IDENTITY THEFT and they just act like they've verified the accounts. 
I know they're lying because the other two credit bureaus already deleted this accounts. In fact, I have over a XXXX score in the other two bureaus and a XXXX on transunion. 
They claim that they verified accounts but it's a LIE. They have not verified anything. 
The accounts themselves are classified as identity theft and they still have NO proof they did an investigation. 
They literally are the only credit bureau stopping me from being able to obtain a car. 
I will be sending you guys all the identity theft reports and police reports that I have sent to Transunion and how they still do NOTHING. 
It's unfair. 
Please have them remove the following accounts from my credit report : Transunion : XXXX XXXX Opened : XX/XX/XXXX XXXX OPENED : XX/XX/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 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 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

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 2024-09-01 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: AR

Complaint narrative:
My chime card was stolen, and charges were made fraudulently on my account. I filed a dispute with chime, but I still have not received my funds. I'm writing this complaint requesting that this claim be governed for constructive fraud with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Venmo regarding the deactivation of my account without valid justification. On XX/XX/year>, Venmo deactivated my account, citing a violation of their User Agreement. However, I can confidently state that I have not violated any terms of the agreement. Despite multiple attempts to resolve this matter with XXXX customer support, including escalation to an Account Specialist, I have not received any clear or detailed explanation as to what specific violation they allege I committed. 

Instead of providing transparency or engaging in a meaningful review of the situation, Venmo has proceeded to permanently deactivate my account. I have consistently complied with all of XXXX terms and conditions, and this abrupt action has caused significant inconvenience. 

I am seeking your assistance in having my Venmo account reinstated and to ensure that Venmo provides a clear and valid explanation for their actions. The lack of transparency and arbitrary nature of their decision is both frustrating and unfair. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' 1.XXXX  Cred Acct # XXXX 2.XXXX  Acct # XXXX 3 ; XXXX XXXX  Acct # XXXX 4. XXXX XXXX  Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. 
B. Please send me a full detailed list of the payment history of these account. 
C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX Exclusion of Information from Credit Report Dear, Equifax & XXXX XXXX , I am writing to formally request the exclusion of specific information from my credit report, as I believe it does not meet the criteria outlined under the Fair Credit Reporting Act ( FCRA ) for inclusion in my consumer report. 

According to 15 U.S.C. 1681a, a consumer report does not include reports that contain information solely related to transactions or experiences between the consumer and the person making the report. I believe that the following information in my credit report falls under this exclusion : XXXX XXXX XXXX account # XXXX should be excluded, meaning it's not supposed to be on there. I did not give Equifax written consent to share my personal, financial information with XXXX XXXX. XXXX XXXX 's a Private financial bank. 

I kindly request that you review my credit report and remove this account accordingly. Please send me a confirmation once this information has been excluded, and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Unauthorized transactions to the XXXX, I don't use PayPal and never have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened a Chase Sapphire Reserve credit card with a {$550.00} annual fee. It comes with a XXXX XXXX benefit, which allows access to the airport lounges. The pass takes 7 business days to activate. I had to travel before the pass was activated, so I called Chase customer service to ask what could be done. 
They asked me to use the XXXX XXXX lounge charge the fee to my credit card and call Chase later to request a refund. When I called them later to request a {$190.00} refund, the customer service said they could not issue any refund for this service. Although he accepted that the customer rep I called earlier didn't provide the complete information to me. So I am asked to bear the {$190.00} fee for no fault of mine. I called the customer service to do the due diligence before incurring this charge. Please help me sort out this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting 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 to the Fair Credit Reporting Act the list below has violated my rights under 15 USC 1681 Account info Account name XXXX  XXXX BANK Account number XXXX Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number 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 2024-09-01 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I had a family emergency in the summer I had to travel so I left town in a hurry. When I came back I discovered someone had used my credit to create personal loans as well as credit cards. I contacted all of the entities the information was listed in my credit report and they advised it would be removed but I still see it shows as verified as accurate. So now my credit is being affected it by these debts. Ive called numerous times even went and got the police is involved as this is MAJOR debt and I did NOT authorize the use of my credit for ANY reason. I dont use my credit this way. The only thing that should be on there is my HOME.Other than that the rest of this debt is fraudulent and I disputed it but they keep advising its being removed and its still on there. So Im filing with you all to see how you can help me. I will attach a copy of the police report as well. All Im trying to do is make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I had a family emergency in the summer I had to travel so I left town in a hurry. When I came back I discovered someone had used my credit to create personal loans as well as credit cards. I contacted all of the entities the information was listed in my credit report and they advised it would be removed but I still see it shows as verified as accurate. So now my credit is being affected it by these debts. Ive called numerous times even went and got the police is involved as this is MAJOR debt and I did NOT authorize the use of my credit for ANY reason. I dont use my credit this way. The only thing that should be on there is my HOME.Other than that the rest of this debt is fraudulent and I disputed it but they keep advising its being removed and its still on there. So Im filing with you all to see how you can help me. I will attach a copy of the police report as well. All Im trying to do is make this right.

Company response to consumer: Closed with non-monetary relief