vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service Center, Inc.
State: FL

Complaint narrative:
I went to do a XXXX XXXX around XXXX or XXXX  years ago. I had insurance when I went. I was charged a fee for the consultation. Then I was charged a fee for seeing a medical professional about the problem. Then I was charged a fee for a XXXX XXXX Charged a fee for someone to read the XXXX XXXX. Then charged again to have someone explain the fee to me. When does it end? I paid collections of {$510.00} to a collector for the debt listed below. 
XXXX XXXX XXXX XXXX XXXX Now I'm told I owe {$360.00} to a different debt collector COLLECTION SERVICE CENTE For the same type of services allegedly. This when comes from a neurology center in XXXX, WV. I have never been to a neurology center in XXXX, WV. I used to live in XXXX, WV and now I have lived in XXXX for over 2 years. I can't get in touch with the debt collector because I have no information except the neurology center I have never visited. I need help figuring this out. How many times am I going to pay the same related group of people for something some of them may have not had any involvement in. 


XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX, WV XXXX Is committing fraud for services that were never agreed to and possibly never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: KS

Complaint narrative:
The credit bureau is reporting medical collection debts against me that violate the No Suprises Act. The debts stemming from charges that exceed the amounts permitted under the No Surprise Act. Also the credit bureau or collection agency has been unable to send me any documentation or HIPPA authorization when requested.

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 2022-04-10 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: SC

Complaint narrative:
hello my name is XXXX XXXX XXXX I've reported to buearuse several times about addresses that are not mine on my credit to have removed they did not remove also there's soft inquiries on my credit that are incorrect and they have not removed also I told them I'm in a process with buying a house several times I've told them the charge offs that where settled between me and the collectors I've asked to have removed they told me show proof and they will removed not just I showed proof the collectors I settled the debts with told then I've settled my accounts and to have it removed not only the associates and manager 's refuse to remove off of my credit even though they told me they would if I showed proof when I did including false addresses as well on my credit I've Ben denied for a home because of this

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 2022-04-10 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: KS

Complaint narrative:
The credit bureau is reporting medical collection debts against me that violate the No Suprises Act. The debts stemming from charges that exceed the amounts permitted under the No Surprise Act. Also the credit bureau or collection agency has been unable to send me any documentation or HIPPA authorization when requested.

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 2022-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have been using my Citibank as normal. I transferred money to my fathers bank account in XXXX, and to my XXXX account, on the XXXX of XXXX, XXXX and the XXXX of XXXX, XXXX. After that the bank fr oze access to my funds in both my savings and checking bank accounts. When I called them on XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, they told me that the bank had frozen my accounts and they could not do anything as an i nvestigation was pending. They refused to tell me which transaction triggered the investigation an d review and disconnected my call. I called them again on XX/XX/XXXX, and I was transferred to multi ple departments, who could not tell me what the problem was. They just kept transferring me to oth er departments. Finally someone told me that I can not do anything until my account is being review ed, and that it could take months. I have around XXXX XXXX dollars in my account which I nee d to access to, so I can pay bills etc, but the account is frozen with no explanation.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back in XXXX I filed police report stating identity theft had taken place. One of the fraudulent accounts was from the bureaus, a capital one credit card. It was removed and then all of a sudden it reappeared back on my credit report recently which is fraudulent and reporting in activate an absolute information. Their address is XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX. And it has a balance of {XXXX}. Please investigate contact this company and make sure that they never put it back on my credit report because it has resulted in a decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The reason for my dispute is because Capital one credit card is totally ignoring my claim # XXXX. this is why on XX/XX/2021 I received car repair from XXXX XXXX XXXX XXXX  of which I sent a letter on XX/XX/2021 to capital one explaining all of what happen and that I am unsatisfied with the services provided by the above mention and feel scammed and helpless that I had also contacted XXXX XXXX XXXX XXXX Corporate Filed # XXXX on XX/XX/2021, XX/XX/2021 and they never answer back also ignoring my claim. I also provided capital one with the inspection report and the breakdown of charges, also provided the sale contract where you can see the that I trade it in the vehicle service at XXXX the very next day Because my vehicle broke down completely which force me to trade it in for the lowest amount but capital one does not understand that this vehicle was sold and I can not provide a second opinion from a merchant on the same field its impossible so capital one decided to close my case and charge me all that money that I got scammed back into my credit card so I can pay high interest on a scam of which I was the victim of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
Today XX/XX/XXXX I received a debt collection letter for a company named XXXX XXXX XXXX XXXX which I have never heard of or accrued debt with. The collection agency named Wakefield & Associates letter stated debt was obtained XXXX, XXXX, XXXX. When I look up the creditor, I can not find any information on what it truly is even. It doesnt seem legitimate as a company, and for sure is nothing I owe. My name wasnt even correct. The link to the website on their page isnt even legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: SC

Complaint narrative:
hello my name is XXXX XXXX XXXX I've reported to buearuse several times about addresses that are not mine on my credit to have removed they did not remove also there's soft inquiries on my credit that are incorrect and they have not removed also I told them I'm in a process with buying a house several times I've told them the charge offs that where settled between me and the collectors I've asked to have removed they told me show proof and they will removed not just I showed proof the collectors I settled the debts with told then I've settled my accounts and to have it removed not only the associates and manager 's refuse to remove off of my credit even though they told me they would if I showed proof when I did including false addresses as well on my credit I've Ben denied for a home because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account XXXX XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account XXXX XXXX, 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 an account without my written instructions.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In Accordingness with the Fair credit act conversion account number XXXX XXXX XXXX {$670.00} has violating my rights. 

15 U.S.C 1681 section 602 A States that I have the right of privacy 15 U.S.C 1681 section 604 A section 2 A Consumer report can not punish my account without a written instructions of the consumer to whom it relates

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 2022-04-10 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: IL

Complaint narrative:
In Accordingness with the Fair credit act conversion account number XXXX XXXX XXXX {$670.00} has violating my rights. 

15 U.S.C 1681 section 602 A States that I have the right of privacy 15 U.S.C 1681 section 604 A section 2 A Consumer report can not punish my account without a written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Back in XXXX I filed police report stating identity theft had taken place. One of the fraudulent accounts was from the bureaus, a XXXX  XXXX credit card. It was removed and then all of a sudden it reappeared back on my credit report recently which is fraudulent and reporting in activate an absolute information. Their address is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX. And it has a balance of {$800.00}. Please investigate contact this company and make sure that they never put it back on my credit report because it has resulted in a decrease in my credit score.

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 2022-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, Account # XXXX, 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 an account without my written instructions.

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 2022-04-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX of 2020 I had made a purchase on XXXX XXXX XXXX XXXX for a CPU and chose to use XXXX to finance the purchase. Upon completing or what I had thought to be the completion of the purchase I received an email from XXXX asking me to go back to XXXX and complete my order. I then went to check my email inbox to see if I had received any emails from XXXX with an order confirmation email, but I could not locate one in my inbox or spam folder. 

So at XXXX request I went back to XXXX and completed my order. Once again I did not receive any order confirmation email from XXXX so I went online to check my XXXX account to see that I now had two pending loans with XXXX. I attempted to work with XXXX and XXXX to resolve the matter but XXXX was unable to locate any orders under my name and address provided. XXXX was also unwilling to work with XXXX to resolve the matter. 

I eventually received two CPU/computer processors from seller who had placed the bids on XXXX and immediately returned the second computer processor to the sender via XXXX. I then paid the first loan off with XXXX and filed a disputed for the second loan providing them with the XXXX tracking number showing them I had returned the product to the seller as this was a duplicate order created by XXXX asking me to go back and complete my order. 

XXXX then denied the disputed and demanded that I also pay them for the second loan that was created in error by a misleading email sent by them also knowing the merchandise was returned to the seller. XXXX has since turned the second loan over to XXXX XXXX a dept collector and there is now a collection pending on credit report. 

I believe this to be a UDAAP violation as this has adversely affected my credit report. This first loan has been paid in full to XXXX and the merchandise for the second loan was returned to the seller but yet XXXX still wanted to collect on this dept knowing all of the above information. 

I have all email communications and screen shots related to this matter as evidence. 

Please assist. 

Thank you!

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 2022-04-10 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: TX

Complaint narrative:
I've tried for 3 months to get validation of medical debts. I've disputed and in every case have been told the debt was valid without any validation of the debt by me. I was in the XXXX in XXXX but the debts are dated for XXXX... I'm assuming so these debts could be rushed to my credit report bypassing the 6 month wait period. I've dealt with the hospital and their {$120000.00} bill and only received care while confined to the hospital with no followups are outside care. The bill from the hospital is about XXXX pages and I see no debts for the amounts that were turned over to the collection agencies. I've never received any billing nor any communication with collection agencies. I'm confused how the credit credit bureaus can determine a debt validated without 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, Account # XXXX, 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 an account without my written instructions.

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 2022-04-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, Account # XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, Account # XXXX, 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 an account without my written instructions.

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 2022-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
My payments are still going to interest and everytime I reach out to FedLoan Servicing nothing gets resolved. This is the worst, most dishonest and disappointing student loan servicer I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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
State: MS

Complaint narrative:
My Paypal account is suddenly permanently limited without any valid reason and I am unable to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. I understand how important it is to review the accounts timely to keep PayPal a safe environment for both buyers and sellers. However, I have been using the account for some time now and always work in good faith and follow all the policies and user agreements as stated and agreed upon while I signed up for the account. Even the account health is in good condition. I would request PayPal to please look into the complaint and forward my complaint to the relevant department or team who could help me solve the limitation on my account. Please help me reinstate my account back. The email id associated with my PayPal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions.

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