vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from Medical Data Systems Inc I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Medical Data Systems Inc for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself.

Provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: GA

Complaint narrative:
Experian has been provided with several police reports dating back as early as 2019 in which I filed complaints about someone using my social security number. The account with XXXX XXXX account number XXXX is a fraud account. However, Experian has not removed this account from my credit file dispite me providing them with the police report listing this account fraud. In addition, there is a public record account reporting incorrectly on my credit bureau record with Experian case number XXXX this account is reporting under a name similar to mine spelled XXXX XXXX but, my name is NOT spelled with this spelling. However, Experian contends that because this account is being verified as mine via a social security number match verification they are refusing to remove this account although the name is not the spelling of my name Experian refuses to remove this account. The Fair credit reporting act makes it very clear these accounts has to be removed due to the name variation additionally, the account with XXXX has been included as a fruad account. Experian is in violation of the fair credit reporting act and is refusing to follow the laws governing credit reporting. Therefore, Experian is refusing to remove these accounts although, they have the proof that is required.

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 2021-04-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
Hi, I stopped using XXXX and return a lot of equipment and did not get the right return for that equipment or adjustment. Also, Stopped using XXXX  in the beginning of a billing cycle and that was not adjusted either. My services should have stopped in early XXXX and I and being charged through XXXX to almost XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TX

Complaint narrative:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 my entire Coinbase account was hacked of approximately XXXX USD. On that day I saw that thieves transferred my entire coin wallet into their wallet and stole my entire contents. I contacted Coinbase immediately after seeing my account drained.Supposedly there was supposed to be a 2 step process to initiate the process BUT this did not occur because they never asked me for the 2-step code. Coinbase responded by telling me to close my account.They assured me by email that I would have 72 hours to have the funds reversed. They then locked ME OUT so I could not reverse this transfer. I have taken screenshots of proof. I have reported this event to the police department as a case of grand larceny as well as my insurance company. I have called and emailed Coinbase incessantly since the occurrence and they have not responded. Because they sent me an email that funds had 72 hours to reverse and I alerted them within hours I feel that Coinbase breached my contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a Wells Fargo customer since high school ( XXXX ) and I thought I would get a credit card with them to build my credit. Years gone by, it has been fine until XXXX. This undisputed debt is haunting me! My credit score is hurt sooo much by this. I work hard and I am trying to purchase my first home. 

I know I am a few years too late but I have my reasons why. 
Back in XXXX I was going through family issues and was homeless. I was living in hotel by hotel every day for months. I had left my credit card in one of the drawers, when I came back to grab it was gone. Tons of purchases has been made on that card that wasnt mine. I had went to Wells Fargo about it twice in that year. First time the guy that helped me was telling me that I HAVE to pay it no matter what. I asked him to help me with options and he said that since the amount was too much, I was basically forced too pay ALL it. At the time I didnt have money to pay it all at once and the way he told me made me feel uncomfortable, so i walked out. Second time I went to Wells Fargo, was in XXXX. During the pandemic I had called Wells Fargo and told them about my situation, the guy told me that I had enough money to pay it off from my checking account. HOW DOES HE KNOW? I have other bills to pay for and I didnt want to pay for anything I didnt purchase. 
I pay my bills on time and Ive never thought I would have to go this route. 

Please help me! Trying to purchase my first home and better my future!

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 2021-04-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX A Original Creditor Name : Comenity Bank I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
ALLIED INTERNATIONAL CREDIT CORP., ( AIC )., ( US ) XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Office Hours : Mon-Fri XXXX - XXXX EST XXXX. I received a letter dated XX/XX/XXXX from AIC stating that my XXXX  account incurred debt of {$940.00} and that XXXX sent this to AIC for collections. 

My XXXX  account is up to date with no money owed. Letter states the following : " The above referenced number XXXX has been referred to our office for collection by XXXX, the creditor. Furthermore, AICs letter has a unique statement that states ; As we are nearing tax return time, AIC ( US ) is reaching out to provide an opportunity for you to fulfill your obligation. If you are receiving a Tax Refund this year, consider using those funds to pay the balance due. I fine this statement deceptive by AIC to collect a debt that I do not owe. XXXX does not send any of their Buyer 's accounts to a collection agency, and that you would always first receive an email from XXXX, notifying you your account is past due. AIC fraudulent reports go back at least 4 years on XXXX 's community site. 

Furthermore, in XXXX of XXXX, XXXX, a nationwide credit reporting company headquartered in XXXX, Georgia, announced that a data breach at the company resulted in the exposure of approximately 147 million U.S. consumers sensitive personal information, including names, addresses, social security numbers, and dates of birth. 

Based on the information I provided, their records indicate my personal information was impacted by this incident. I could be a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX  ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( TransUnion, XXXX, XXXX ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! 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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( XXXX, XXXX, Equifax ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TX

Complaint narrative:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TX

Complaint narrative:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

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 2021-04-19 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:
Experian and XXXX our reporting a balance for XXXX XXXX XXXX  and I have called XXXX XXXX XXXX  and they have told me they sold account to collection company and the company has sent me a letter saying that they bought debt. attach is a screen shot of the account from Experian and 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 2021-04-19 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: NJ

Complaint narrative:
Employment Info - XXXX EMPLOYEE Is incorrect

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 2021-04-19 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: AZ

Complaint narrative:
XX/XX/XXXX I caught a XXXX  for a ride. I lost my cc with XXXX so i called an reported that i lost it. 2 hours later i got a call informing me that i left my cc and DL inside of the XXXX. Unfortunately, I had already reported it lost. A new card was issued to me 10 days later XX/XX/XXXX. Balance transferred to new card and account number. After fighting to explain this to Experian and XXXX  for over 2 years now, it appears that my disputes went uninvestigated. Resulting in a decision of meets FCRA requirements. 
This account was Open XX/XX/XXXX ; 4 months later, it was closed due to the lost cc. A new card was issued with a new account number ending in XXXX. I have 7 missed payments on the account ending in XXXX which is correct. But the old/closed account is also reporting missed payments through XXXX but it was closed. I only have 1 acct with XXXX  and the bureaus should only be reporting on 1 account which is the open account ending in XXXX. This is causing duplicate missed payments on both account when i only missed payments on the new account ending in XXXX. This ongoing year problem has been causing a lot of financial stress when trying to obtain assistance during this pandemic. 

XXXX : Reporting the same account as opening in XX/XX/XXXX but have 8 missed payments on a closed account since XX/XX/XXXX and this account wasn't even open XX/XX/XXXX. This account was opened on XX/XX/XXXX. I am livid with this process and i am tired of disputing the same problem with these bureaus over and over and each one comes back meets FCRA requirements and i would like for you to explain to me how is this 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 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion our reporting a balance for XXXX XXXX XXXX and I have called XXXX XXXX XXXX and they have told me they sold account to collection company and the company has sent me a letter saying that they bought debt. attach is a screen shot of the account from XXXX and TransUnion

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 2021-04-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation