vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I received three letters from a debt collector for a XXXX name XXXX XXXX in New York, who was charging XXXX  per visit ( {XXXX} total ). I called the debt collector to ask who this doctor is and they said they didnt have any more information other than what was listed on the notice i already received. They told me this doctor charged me for XXXX XXXX dates, when literally everything was shut down. They charged for an XXXX XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I never left my house from XX/XX/2020 until XXXX of 2020, when I moved and had to leave the house. I am also located in Texas. I have no explanation as to what this is, no breakdown of charges, and no paperwork from the doctor themselves explaining what this is. Its weird that I am getting random charges for those dates, almost 3 years later. This doctors office also didnt contact me or tell me they had a balance for me so I could ask them right then and there what it is for. They also didnt contact me to tell me it was being sent to collections either. Now im fighting with a debt collector because of the lack of communication and information from whoever this doctor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I have contacted creditors with phone numbers provided. They say they do not have the ability to remove inquiries and to contact credit bureaus. Credit bureaus tell me to contact creditors. These are unauthorized and fraudulent!! PLEASE REMOVE THEM ASAP. 

AXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.

Complaint narrative:
In the name of XXXX few people made a huge trap and XXXX XXXX they are looting targeting women 's only. 
i am one of them and i have connected the bank once i got to know about fraud and with in 3 days bank and cyber crime has been reported. 
My bank XXXX and CITI bank not even taken action against fraud and XXXX and XXXX XXXX  have nearly XXXX customer who involved in the fraud/scam. 
from 2 months working with all bank but not even single bank shown reposibility. 
Police e mails has been ignored by all Banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I'm victim of Identity Theft, my personal information has been stollen and as a result I got hard inquires on my report that I have never authorized. I have Filed FTC report and included in this matter. I'm not using any third party for this matter. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I know my rights very well, please remove these items from my report as soon as possible.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Files on my report were not removed as I was told they would be! Would like assistance please help during rough period!

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 2022-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with 2 accounts and inquiries I did not authorize, please delete them as they are affecting my life.

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 2022-12-23 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: Radius Global Solutions LLC
State: MD

Complaint narrative:
XXXX XXXX Account Number : XXXX has reported me to Radius Global Solutions # : XXXX for the amount of XXXX. This account should have never been reported as I was on auto pay and there were two charges for a tech visit that I was promised, I would not incur due to technical issues. I spoke with a rep by the name of XXXX on XX/XX/XXXX who saw CLEAR notes of technical issues since the beginning of service and credited me XXXX due to the error on XXXX  end. I then paid the difference of XXXX. I spoke with collections and billing numerous times. There were two tickets placed for the back office which requested the account to be removed from my credit report and a letter stating the account was paid in full and it would be deleted from my credit reports due to an error on XXXX end. I called on XX/XX/XXXX and spoke to a supervisor in billing named XXXX who advised me the ticket was closed and refused. I am not sure if the tickets placed are clarifying the full issue.

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 2022-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
For the third time : paypal wouldnt allow payment of {$40.00} minimum on balance owed to paypal credit until the day that a {$40.00} late fee would be due. After the third time Ive decided not to pay the debt. Its basically all late fees by now. 
the site will just pinwheel and fail while making payments until XXXXXXXX XXXX on the last day to pay forcing consumer to change the date when a {$40.00} late fee will be due. Once paid the payment all goes to late fee instead of minimum payment.

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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX CCS Collections, reported a collections of {$350.00} on behalf of XXXX XXXX XXXX XXXX. I have never been insured by XXXX XXXX so I called same day to XXXX XXXX and they looked me up and they could not find any policy or past due bills using my name, social, phone number or address. They gave me the number to their collection agency and same thing, i gave them name, number, social security and they could not find anything. They asked for a collections number and I could not provide one because I never received any letter in the mail. 

Called back multiple times in the past two week and no one could help me, not even supervisors. Neither company would help. I filled a dispute with the credit bureau XXXX and they concluded their investigation by saying the confirmed the debt was mine. 
I called and they gave me an account number ( XXXX ). 

Finally called back to CCS Collections. Gave them my information and they matched my name and date of birth to the collections. The address was a XXXX XXXX XXXX Wyoming. I am a California resident i have never lived in another state. They asked if i have ever owned a XXXX XXXXXXXX which i have not. I asked them to confirm if the last 4 of my social matches the one they have on file and they said the last 4 of my social does not match because they have no social on file ( i think it's pretty XXXX and a poor job on their end to just pin this on someone with the same name and birthday without doing their due diligences just because we have the same name doesn't mean we are the same person. So many XXXX with my name ) So i asked if they could stop reporting this on my credit which they said no. They gave me this website and told me to file a complaint here. I would have to show proof of address like a drivers license or utility bills. ( i don't have utility bill but i have a drivers license ) Still upset so they gave me a policy number ( XXXX ) and i called XXXX XXXX and once again said there was nothing they could do for me and gave me the number to their Legal Department XXXX which of course was no help. Its just a voice recording saying they will call you back in XXXX HRS which of course they have not returned any calls after calling multiple times and different days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

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 2022-12-23 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, I contacted American Express customer service about not receiving my {$10.00} " AMEX DINING CREDIT '' for the month of XXXX. I made a valid purchase on XX/XX/XXXX named " XXXX $ XXXX Mon, XX/XX/2022 '' with the following details " Which Wich Total : {$15.00} Ordered : XX/XX/2022 XXXX Order number : # XXXX Contact Restaurant : ( XXXX ) XXXX ''. This XXXX transaction used my XXXX {$10.00} dining credit instead of XXXX which resulted in me not receiving credit for the transaction made on XX/XX/XXXX. The initial customer support representative was very understanding and told me not to worry. They noted this on my account and the credit will be taken as the XXXX credit instead of XXXX as they will manually credit my account for the XXXX transaction once I've made it. 

After I made the XXXX transaction for the AMEX XXXXining Credit, I contacted customer support on XX/XX/XXXX to manually credit the transaction. This time the customer representative was not helpful and told me they couldn't. They thought I did not understand how it works. 

I will provide the timeline of the transactions below : XX/XX/2022 - XXXX order placed for {$7.00} XX/XX/2022 - American Express credits my account for {$7.00} of the {$10.00} XXXX credit XX/XX/2022 - XXXX  order placed for {$7.00} XX/XX/2022 - American Express credits my account for the remaining {$2.00} of the {$10.00} XXXX credit XX/XX/2022 - XXXX order placed for {$15.00} XX/XX/2022 - American Express credits my account for {$10.00} for what was supposed to be {$10.00} XXXX credit XX/XX/2022 - XXXX  order placed for {$11.00} No credit received for month of XXXX XX/XX/2022 - XXXX order placed for {$10.00} XX/XX/2022 - American Express credits my account for {$10.00} for the {$10.00} XXXX credit I have receipts and further proof if needed. I do not appreciate the hassle to be able to claim this credit when I was initially told it will be given to me by the first customer representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: MD

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

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX  or XXXX, and XXXX XXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with 2 accounts and inquiries I did not authorize and they are not mine and they are affecting my life please delete

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The charges with XXXX should be properly investigated because they are incorrect. I am currently submitting a dispute via mail. 


We moved out of our apartment ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a XXXX balance for failure to vacate the property without notice. She told XXXX XXXX XXXX manager  ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the XXXXXXXX  balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the XXXX manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a XXXX  deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX reporting agency reporting inquiries on my credit report that are unknown, unrecognized and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: AL

Complaint narrative:
Violated my federally protected rights 15 U.S. Code 1681b - no written permission, consent no permissible purpose 15 U.S. Code 1681 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Acct was remove not belonging to me

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 2022-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company lvnv funding is claiming I owe them something that I do not owe. 
Ive asked them to stop calling me and to mail me all the paperwork as required by FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal Closed My Account For No Reason and will not help with getting it back up and going. i am not sure if this is a mistake as i assume it has to be. i have not been able to get help from them, i just understand i could file a report on here as i find they are not doing their job properly and it is effecting me great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation