vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
On XX/XX/XXXX, I experienced a severe fall that resulted in excruciating pain, prompting a visit to the emergency room. Despite my repeated requests to see a physician due to my intolerable pain, I was only treated by a Nurse Practitioner. Given my history of adverse reactions to painkillers, I was eager to explore alternative treatment options. 
On the Monday following the fall an examination by XXXX XXXX XXXX XXXX, XXXX of XXXX XXXX and a practicing physician at XXXX XXXX, it was determined that I had torn both rotator cuffs beyond repair. 
The unrelenting pain led me to request an ice pack after waiting nearly three hours without any sign of an attending physician. 
Feeling neglected and frustrated, my husband and I decided we should check my out and seek advice from a friend who is a physician while waiting to see XXXX XXXX on Monday. 

Recently upon reviewing the discharge record, we were shocked to find that the hospital had falsely labeled me as abusive. This inaccurate portrayal only added more concern to the already poor treatment we received in the Emergency Room at XXXX XXXX. 
Subsequently, we discovered that our insurance had paid {$3000.00} for the subpar care we received, which included the hospital 's failure to provide basic services such as functioning X-ray machines. To add insult to injury, we were then pursued by collections for a bill of {$360.00}, despite the lack of proper care we received. 
In light of these circumstances, we contacted the hospital but they asked my husband what he thought was a fair resolution he indicated that they be thankful for the {$300000.00} and that the balance of {$360.00} should be cancelled. We got a letter from XXXX that they reviewed and we are required to pay the balance and sent it to collections, My husband are fortunate enough to be financially capable of paying the bill, I feel it is important to hold the hospital accountable for their actions and ensure that other patients do not face similar mistreatment. 
I urge you to intervene and address these concerns before legal action becomes necessary. Thank you for your attention to this matter. 


XXXX XXXX ER Record Below Prior to discharge and continuously throughout XXXX visit, this pt was verbally abusive to the nursing staff as well as the provider. Pt verbalized dissatisfaction with pain management as well as, " not being treated by an actual doctor. '' Pt offered comfort measures appropriate for the injury sustained and multiple attempts were made to provide timely updates as to the plan of care. This nurse as well as XXXX XXXX and provider XXXX, did everything within the scope of our practice to provide comfort to the patient. All imaging was copied and put on a CD for the patient to take with her, ice pack provided along with sling, and a prescription for pain management provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-05 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: NV

Complaint narrative:
I requested XXXX to remove the inquires due to fraud, XX/XX/2024 and sent fraud report and asked to to block all inquiries due to freeze I also asked to remove all information I didn't give authority to post on my account anything that's over 7 years and I asked a full investigation properly the law states, FCRA section 605B it is illegal to report information on my credit report without my permission and I asked them to remove items

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NV

Complaint narrative:
I requested Experian to remove the inquires due to fraud, XX/XX/2024 and sent fraud report and asked to to block all inquiries due to freeze I also asked to remove all information I didn't give authority to post on my account anything that's over 7 years and I asked a full investigation properly the law states, FCRA section 605B it is illegal to report information on my credit report without my permission and I asked them to remove items

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-04-05 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: MI

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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
I get a letter from aargon collection agency about a final bill of XXXX, I call aargon collection agency and he told me on year XXXX, I owe XXXX  XXXX XXXX XXXX XXXX dollars, but the problem is I never open a XXXX  account in XXXX  XXXX because I live in 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 explanation
Consumer complaint received 2024-04-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my EXTREME dissatisfaction with the handling of my dispute regarding a hard inquiry ( XXXX  ) on my credit report, initiated on XX/XX/2024 with the CFPB. As of today, XX/XX/2024, more than XXXX  days have elapsed without any resolution, response, or documented proof ( as asked ) provided by Experian regarding the legitimacy of the aforementioned inquiry. 

It is deeply concerning that despite my timely initiation of the dispute, Experian has failed to adhere to the regulations outlined in the Fair Credit Reporting Act ( FCRA ), which mandates a prompt investigation and resolution of consumer disputes. The delay in addressing this matter not only violates my rights as a consumer but also undermines the integrity and reliability of Experian 's credit reporting services. 

Furthermore, I find it alarming that Experian has neither removed the disputed hard inquiry ( XXXX  ) nor provided any EVIDENCE demonstrating that I authorized or initiated said inquiry. This lack of transparency is unacceptable and contributes to a sense of violation of my rights under the FCRA. 

I demand immediate action to rectify this situation. I expect Experian to expedite the removal of the disputed hard inquiry from my credit report without further delay ( or provide DOCUMENTED PROOF that I initiated or authorized hard inquiry from XXXX XXXX  ) do NOT verify hard inquiry as valid until such proof has been provide from XXXX. Additionally, I request a thorough explanation for the prolonged delay in addressing my dispute and a commitment to improving the efficiency and effectiveness of Experian 's dispute resolution process. 

Failure to promptly resolve this matter and provide a satisfactory response will compel me to escalate this issue to relevant regulatory authorities and pursue legal recourse to protect my rights as a consumer. 

I trust that Experian will prioritize this matter and take the necessary steps to address my concerns in a timely and satisfactory manner.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
According to 15 U.S. Code 1681b, companies are only permitted to access consumer reports for specific purposes, such as credit transactions. I've observed unauthorized inquiries from XXXX at XXXX XXXX XXXX, XXXX, XXXX  XXXX. I've disputed this twice with XXXX XXXX  at XXXX XXXX XXXX, XXXX, XXXX  XXXX, reachable at ( XXXX ) XXXX. Additionally, I am requesting monetary compensation for the violation of my FCRA rights.

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 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I've had Home Mortgage Insurance with XXXX XXXX XXXX since XXXX. 
on XX/XX/XXXX I received a notice that my Policy will not be renew and that they will no longer be providing coverage in California for Homes, motorhomes, boats etc. 

I contact the insurance company they suggested that I shop around for coverage the descision was final. I then informed the Mortgage company Mr , Cooper to see how it would affect my account due to the sensitve timing before me. 
I was told that they maybe able to get coverage for me but it will be very expensive and to keep them informed as to when I find other coverage. 

My 1st stop was the California Department of XXXX XXXX. I filed a complaint there to request XXXX XXXX more time than initially allowed for cancelation. 

Then printed out a long telephone listing of local Insurance companie and start making calls A.S.A.P. The respons was, were no longer excepting members, were not under writing for th State of California, were only underwitting for home worth XXXX mil. plus in California, this went on for 2 hrs. as I became very frustated, I then went to the Brokes and Aent section on the CDI in hope that I could get some sort of assistance down that avenue. I made several calls to many in that section of the web sites. On the next day I received 1 call back from and Independent Insurance Agent XXXX XXXX in XXXX, CA. with XXXX. 

He got back to me with a quote I accepted it was the same a my previous policy form XXXX the vast difference was the dedutible which was {$500.00}. would now be {$2500.00}. 
he sent it to underwiting said it would be 3 weeks contact him yesterday he said it was denied. I called and left a message if we could speak on today got know respons. 

I email XXXX, XXXX XXXX office of email complaint this morning because the CDI never responed to my 1st. complaint as I made the 2nd on today, after taking the initial steps on what you should do on the website which was no very helpful. I feel the leeding problems is the list. We should have a list of who will accect home motgage inurance in california to eliminate all will not and stop waisting time, We all know, if you owe the bank a mortgage, you must have insurance so the questions remains the same. Where do you go and what can you do about getting coverage while stuck in a time sensitive matter and know one is responding. I paid this company faithfully for 23 years for this, money lost know coverage still oweing XXXX. this makes know since where the justice in this wrong doing to the people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX XXXX XXXXsomeone stole two amounts from my account. XXXX and XXXX which was taken from my account by transfer to pay anyone name was XXXX XXXX. I do not know this person. I filed a police report and sent them a copy. On XX/XX/2024 at XXXX they adjusted XXXX and again at XXXX XXXX. So at this point my account is XXXX then at XXXX the deposited XXXX then XXXX. So basically I was back to the XXXX. Then I call them and explain their mistake. They say they can see the problem and have been giving me the run around ever since after 10 hours on the phone and me being placed on hold and the call drops like over twenty times I have reached out to you. Just called today and they say wait three more business day yet again. Today is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
I have reviewed my credit profile and seen some inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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 formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 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: MI

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2024-04-05 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: MI

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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