vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2024-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc.
State: AL

Complaint narrative:
The original biller : Did not bill using the appropriate codes and modifiers. Therefore the insurance company rejected their claim. The insurance company ( XXXX ) explained how to bill appropriately and explained that to the original biller, who refused to include the modifier. I tried to explain to the biller what was required with a response that I know how to bill and the insurance company is wrong. I provided documentation that showed that the insurance company rejected it with the code as to why. This documentation showed that my out of pocket and deductible were both met. The biller still refused to bill correctly. This documentation has also been sent to the collection company. It is not appropriate to attempt to collect a debt that is caused because the biller does not know how to use insurance appropriately. This is clearly a dispute between XXXX and Credit Systems Inc or between XXXX and XXXX  XXXX XXXX XXXX. Both XXXX representatives and I attempted to assist XXXX  XXXX XXXX XXXX to bill correctly. Please note : That this is a single charge correction, total billing from XXXX  XXXX XXXX XXXX were significantly more and were all billed correctly and were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I took advantage of Chase 's {$5500.00} balance transfer offer, unaware that interest would accumulate on new transactions from day one. Seeking clarity, I contacted Chase customer support, who advised me to pay off any new transactions as soon as they were posted to my account to avoid interest charges. Trusting this guidance, I promptly settled any outstanding balances, excluding the transferred amount. 

In the subsequent billing cycle, I made approximately {$1800.00} in purchases, adhering to the representative 's instructions by paying them off immediately upon posting. However, to my surprise, I incurred a {$30.00} interest charge on my XXXX statement closure. Upon querying this discrepancy, I was informed by Chase that payments could only be made after statement generation, contradicting their prior advice. 

Acknowledging my initial oversight of the balance transfer terms, I settled the {$30.00} interest charge. Nevertheless, I anticipated exemption from interest on subsequent transactions, given my commitment to prompt payment. Despite my efforts, a {$20.00} interest charge appeared on my XXXX statement, prompting another unsuccessful appeal to Chase for waiver, even after escalation to a supervisor named XXXX, whose response was unhelpful and discourteous. 

Consequently, I've paid {$30.00} in interest charges and an additional {$1800.00} towards the balance transfer amount, alongside a {$270.00} balance transfer fee. As a longstanding Chase Sapphire Reserve customer with a history of full balance payment, I find myself in this predicament due to convoluted terms and misinformation from Chase representatives. 

I believe in fairness and accountability, thus initially assuming responsibility for the interest charges. However, I find it unjust to bear the burden of subsequent charges, as they stem from erroneous guidance provided by Chase. Had I been correctly informed, I would have refrained from further transactions until clearing the balance transfer offer. 

In light of this, I respectfully request assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 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: OH

Complaint narrative:
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 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 DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

*There are charge off accounts that are reporting as debt but is canceled debt and by law rather is over {$600.00} or not it still needs to be filed as ordinary income and a 1099c need to be sent to me According to Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments *if a debt is canceled or forgiven for less than its full amount, you may be treated as having income and may have to pay tax on this income. *For charge-offs over {$600.00}, the lender may issue an IRS 1099c form for cancellation of indebtedness, which needs to be treated as income on your tax return

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I dispute the validity of the debt as no agreement was signed by me. The debt collector failed to follow proper validation procedures and engaged in abusive practices, violating my rights under the FDCPA. I demand removal of the account from credit reports and compensation for the violations, or I will escalate to my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
First an individual knew my bank ( which is USAA ) and this same person knew what I do on XXXX back in XXXX XXXX. ( Reason I am doing this now because of that big scam I found in the news against USAA this year XXXX ). So I would go on XXXX and watch an investor XXXX XXXX of XXXX XXXX XXXX This fake XXXX XXXX convinced me to do screen share so this fake XXXX can do two separate wire transfers for a total of {$12000.00}. 
This is the scammer s number they contacted /text with me : XXXX XXXX Please help me get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

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 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I had a procedure with XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. The insurance claim had to be resubmitted a few times to be approved by the insurance, but once it was, I paid my portion in full. I have verified with XXXX XXXXXXXX XXXX multiple times, and again a few days ago, that my account is paid in full. However, as a result of a data breach with XXXX insurance that happened some time ago, a hacker/scammer acquired information about one of the claims that was denied and has been sending me fake bills every few months for the past year or so. Like I said, I have verified multiple times with XXXX XXXX XXXX that these bills are fake and my balance is paid. But now, this scammer has sent the " bill '' to collections through Transworld Systems Inc. I received a letter in the mail in the exact amount I would always get on the fake bill, {$800.00}. And when I called XXXX to get this sorted out, the only information they could give me on their " client '' was the address on file, which is the same XXXX XXXX XXXX XXXX PA address that is on all of the fake bills. This address is not affiliated with the real XXXX XXXX XXXX in any way, and a quick XXXX search or a visit to their website can verify this.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian, XXXX, and XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activity on my credit report. After reviewing my credit report, I have discovered several inaccuracies and fraudulent entries that have severely impacted my credit score and financial standing. 

Upon reviewing my credit report from Experian, XXXX, and XXXX, dated XX/XX/year> for XXXX XXXX ( XXXX XXXX XXXX ) account number # XXXX,, I noticed several accounts that I did not authorize or recognize. These accounts include unconsented loans. Furthermore, there have been unauthorized inquiries made on my credit report, which suggests potential identity theft. 

I have taken immediate action to dispute these fraudulent entries by contacting the respective creditors and providing them with the necessary documentation to prove my innocence. However, despite my efforts, these fraudulent accounts remain on my credit report, causing significant distress and hindering my ability to access credit when needed. 

I demand that Experian, XXXX, XXXX conduct a thorough investigation into these fraudulent entries and take swift action to remove them from my credit report. Additionally, I request that you provide me with a written explanation of the steps taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Furthermore, I request access to any information or documentation related to the investigation of these fraudulent activities, as well as any measures taken to prevent similar incidents in the future. 

I expect prompt attention to this matter and a timely resolution to restore the integrity of my credit report. Failure to address this issue promptly will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Please acknowledge receipt of this complaint and provide me with a timeline for the resolution of this matter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

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 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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
Upstart payment portal had issues and when they were notified they said they would remove the late fees. 

They have reporting this as a late payment when this is a system error on their end. 

The website and emails say to contact upstart support via email and nothing has been done. 

This is an Upstart error.

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

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. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Dear Sir/Madam Subject : Formal Complaint Regarding Pending Debit/Hold on Transaction at BOA Bank I am writing to lodge a formal complaint regarding an issue with my account at BOA Bank. There is a transaction has been on hold for more than 3 months with a clear explanation, leaving me unable to access my funds. This situation has caused significant financial distress and inconvenience. 
Please find below the details of my situation : 1.Account Information : Account Number : XXXX Type of Account : Checking Incident Description : My friend transferred to me a sum of {$9400.00} in rent that I paid for him via wire on XXXX XXXX. After the bank confirmed it with my friend and me, it still doubted the transaction and asked me to wait. After I expressed that it was inconvenient for me, the bank still said that it might take more than a year to wait. 
2.Attempts to Resolve with the Bank : Following the discovery of the freeze, I visited my local BOA Bank branch more than 2 times to inquire about the issue. The staff has confirmed this transaction with my friend for details and got the proper answers.But the BOA bank still be suspicious for this transaction and they put this transaction on hold. They informed me that they are unsure about the duration of these processes, and the only thing I can do is wait for an update. 
3.Personal Impact : The inability to access my funds has hindered my ability to conduct daily transactions and address urgent financial obligations, causing undue hardship. I understand that banks may need to freeze transaction for various reasons, including fraud prevention. However, I believe as a responsible account holder, I am entitled to transparent information and fair treatment regarding my financial status. 
Sincerely, 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 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing to you regarding an alleged debt that appears on my credit report. According to the information listed, the original creditor was XXXX XXXX, and the debt has been assigned to your agency for collection. 

I would like to formally request validation of this debt as I have never had any accounts or dealings with XXXX XXXX or any other gym facility. Furthermore, I can assure you that I maintain a 100 % payment history across all three of my credit reports and have never allowed myself to fall into delinquency with any of my bills. 

I have made numerous attempts to contact XXXX XXXX both by mail and in person to resolve this matter, but unfortunately, they have been unresponsive. I am deeply concerned about the accuracy of this debt being reported against me, as it is unjust and damaging to my creditworthiness. 

Additionally, I recently received a photo allegedly associated with this account, and the individual depicted is not me. This further confirms that there has been a mistake or identity theft involved in this matter. 

As someone who has never had a collections account on my credit report before, this situation is distressing and has the potential to severely impact my financial standing and opportunities. I kindly request that you promptly investigate this matter and provide validation of the debt, including any supporting documentation. 

Furthermore, I ask that you take immediate steps to contact the credit reporting agencies and have this erroneous information removed from my credit report. Reporting inaccurate information is not only unfair but also illegal, and I refuse to accept responsibility for a debt that is not mine. 

Thank you for your attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with explanation