vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
Eastern Acct Sys : The account was placed in a collection without any notification by mail. Eastern Account System did not send notices to my address listed at any time all correspondence would be received and addressed accordingly. If I had moved, all mail would have been forwarded to my XXXX XXXX or my address which I have not received not one letter. On XX/XX/XXXX ( date provided for a billing date by XXXX XXXX XX/XX/XXXX. This bill was cooked up with to harass me and to XXXX me over for money I do owed. The original creditor did not contact me prior to placing me on a collection, If I owed a medical bill it would have been paid by my insurance that was verified. Eastern Account System contacted me with several threatening calls, I hung up the phone on the threats. Eastern Acct Sys did not send me any written notices of account would be reported to the credit bureau. No attempts was made at any times by mail only threats by phone which I did received several harassing and threatening calls from the collection agency, my response was that I do not owe you all and please stop threatening me about suing me for something that I do not owe. I did not deserved to be harassed for any bill. I disputed the debt several times directly with the credit bureaus, and requested a validation verification which was not sent tome to verify the debt. No other communications were received by the Collection agency. There is absolutely no unpaid medical bills due on my behalf which can verified with the hospital. I filed a validation of debt with the credit bureau in XXXX no response to the validation letter. In addition, I have a primary and a secondary Insurance which all or any medical bills would have been paid. This company is running a scam to receive money not owe. I reached out to the original credited who stated I do not owe them anything. The collection agent stated that I had a procedure to my chest ; if I had this would be a Hippa violation to release any medical information. I will file with Hippa prior to court action. 

Statement was sent to XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear XXXX Credit Reporting Agency , Please provide evidence that the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. In addition please validate and provide me with the original contracts for the following listed below. 


Eastern Account Systems, Inc Acct Number : XXXX This letter was sent to XXXX on XX/XX/XXXX I requested a validation to be provided, I have not received any evidence confirming a bill,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: CA

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXXalance Owed : {$1300.00}

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 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Balance details 0 % of this account is paid off Balance on XX/XX/2022 {$210.00} Original balance {$210.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 2022 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - 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 2022-08-01 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: ID

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 a 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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you in hope that you may be able to help me, I have been trying to get Inaccurately reported information remove from my credit report that is being sent in from XXXX  XXXX XXXX. 
XXXX  XXXX XXXX has reported to the three-credit bureau 's ( Experian, XXXX, and XXXX ) XXXX and misrepresenting claims, I have sent in dispute letters to the credit bureau 's , showing that this is derogatory information and to no avail XXXX  XXXX XXXX still sends in misrepresenting and derogatory information, I respectfully request that this misleading information be remove from my credit report under the fair credit reporting act.

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 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
Identity theft I was just made aware there are multiple bank accounts in my name that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The following companies are closed accounts that are paid in full. On XXXX XXXX I disputed all companies that were over 7 years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- XXXX XXXX XXXX {$500.00} 2XXXX Macys/citibank, XXXX {$600.00} 3- Macys/citibank, XXXX {$100.00} 4XXXX XXXX XXXX XXXX {$24000.00}

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 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: PA

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX 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 explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance details 0 % of this account is paid off Balance on XX/XX/2022 {$210.00} Original balance {$210.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - 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 non-monetary relief
Consumer complaint received 2022-08-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX and XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # XXXX has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also stats 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 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am a victim of ID theft, my wallet and luggage was stolen from my car on my way to the airport, my passport, ID and ss card was compromised and I filed a police report that has a ongoing investigation with XXXX XXXX division, I also recently filed another police report for the fraud accounts that are showing up 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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint narrative:
Nature of complaint : We have LATE PAYMENTS from Community Loan Servicing showing up on our credit reports from XX/XX/XXXX to XX/XX/XXXX that should NOT be on there. We spoke to community loan servicing 6 months ago after disputing the late payments reported on both mine and my husband 's accounts. We received a letter in the mail ( after disputing with credit bureaus ) that they ( Community Loan Servicing- formerly Bayview Loan Servicing ) would be " removing all negative information '' ( letter is attached ). They agreed negative information would be deleted, however, the credit agencies refuse to update it. This is a HUGE deal for us as we are in the middle of a very important mortgage for our family and we are at risk of not qualifying because of this inaccurate info. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have a student loans with Navient and I have been sent to the collection agencies for not paying my loan the past year. I was informed that loans would be suspended until we figure out what kind of forgiveness for loans would be allowed by our govt. I checked my credit recently and its at an all time low because of the reports from Navient. No one from Navient contacted me about being reported. I calles Navient several times in the year and told them I was waiting on announcements from the federal govt about my loan to make payments. I explained to them I am know a XXXX father and live off of an XXXX income. I was told that this was fine and if I need help to contact them. No representative ever mentioned sending me to the collections agency. Can someone please help me get this removed from my credit scores. This is not right. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I continue to get calls from Portfolio Recovery Assoc. and from a variety of phone numbers from different states. I recently moved from XXXX  to XXXX  to live with my family. The XXXX  law says an out-of-state collection agency must maintain a physical presence in their state in order to collect debt. This business does not physically have a business in XXXX.

XXXX  Debt Collection Laws ( B ) A collection agency with a place of business in this state may take an assignment of another persons accounts, bills, or other evidence of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest.

I believe this company can not collect a debt in XXXX  that was created in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( XXXX ) and no date for XXXX. All three bureaus are reporting different dates. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a loan disbursement check from Oportun on XX/XX/2022 for {$5500.00}. I did not apply for this loan, so I called to ask why I received it and cancel the account. 

Oportun support told me that an account had been opened in my name and birthdate, but associated with an email address based in XXXX XXXX, XXXX and from a phone number in XXXX. Neither of those are associated with me. 

I followed up with an email ( XXXX ) to the company the same day confirming all of the details and reiterating my desire to close the account immediately. I was assured that an " investigation '' was being started. 

I followed up again on XX/XX/2022 asking for a status update. The company responded that it had forwarded the details of my " dispute '' ( again ) to the appropriate department. 

I began receiving account statements in the following months, and eventually late payment notices. I also noticed that they posted a late/non payment to my credit report that reduced my XXXX XXXX from XXXX to XXXX. IN addition, I would note that the check sent to me was never deposited, so the fact that they are charging interest seems disingenuous if not fraudulent. 

I followed up with a call on XX/XX/2022 to again check on status. The agent on the call told me there was no record of a dispute, and that she would forward my information and that in " investigation '' was being started that could take up to XXXX business days. I was not able to get contact information or other info about the investigation department. Needless to say, I am not confident anything will be done. 

It is quite clear that there are multiple issues at Oportun that suggest the company is not well run enough or competent to operate in the supposedly regulated financial services sector. Among these : XXXX. It is clear that the due diligence and XXXX  process at Oportun is completely inadequate. They opened an account based on an application that was fraudulent on its face ( email address from a island in the XXXX XXXX and a XXXX phone number ). 
XXXX. The company has ignored my request to close the account and restore my credit report information on multiple occasions. There is no history of these interactions in the account record at the company. 

I would like to know what actions CFPB plans to take against this company. If you are unwilling or unable to act, then please let me know the best way to approach this issue. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
Received letter from Discover card of denial application. No application under my name was ever filed. Thankfully application denied due to lack of imformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax. I sent several disputes through XXXX Equifax. Confirmation XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent them between XXXX pm to XXXX pm eastern XX/XX/2022. This disputes were done by midnight. I disputed an address that begins with XXXX that was incorrect. They did remove that. How in the world did they verify all information as request during non business hours? Whatever findings is thus rendered a false investigation and was not thoroughly done. Federal law states in US Title 15 Chapter 14 Consumer Credit Protection Subchapter 3 Credit Reporting Agencies Section 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

Please verify all entries, dates, and amounts if verified. Show me original the original documents. If not done properly, I already spoken with an attorney who is on standby.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/22 citi bank had a fraudulent inquiry placed on my XXXX credit report. I noticed them the same day this was pulled and they were to remove it- it has been over 60 days and it is still been deleted from credit report- XXXX says XXXX the responsibility of citi bank- Citi bank does nothing about I have disputed this several times

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