vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, Convergent XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-03-07 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from XXXX XXXX XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

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 XXXX XXXX XXXX XXXX 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 twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from XXXX XXXX XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

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 XXXX XXXX XXXX XXXX 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 twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: ERC
State: GA

Complaint narrative:
On XX/XX/2020 Enhanced Recovery, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX, I received a Chase Bank Debit card for a checking and a savings account that I did not open. I immediately called Chase Bank and had the accounts closed. They are sending me a fraud packet to fill out and return, and I will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have made multiple attempts to have Portfolio validate this account. I never got the notification they said they sent and after 3 CFPB complaints then they magically have the notification document and an attached letter they claim was done by XXXX which looks created and not legitimate at all. I have also tried to reached XXXX directly and I have gotten no response. 

Letters sent to Portfolio XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with a Cease letter on XX/XX/XXXX CFPB complaints XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX They have not answered my questions or request as it is required by the FDCPA and the FCRA and continue to report a disputed date without verifying the information. 

-no license provided -no explanation of the charges Bill statements for with due date of XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with nothing from XXXX then just to XX/XX/XXXX - XX/XX/XXXX -No documentation showing I even own this just a bill no signed agreement -doctored letter made from original creditor and creditor has not responded to my letters -Continuously to report a debt without validating it Every response is the same computer generated response of " verified '' This does not belong to me and if there is no documentation provided and no response from Portfolio with this information or XXXX this account needs to be removed from my credit report immediately. 

XXXX, XXXX and XXXX  also have not provided me with any proof of any documentation that this was ever even mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: WA

Complaint narrative:
On XX/XX/XXXX there were two accounts that I disputed because of the way they were appearing on my credit report. For XXXX, the original date was in line with the date of my bankruptcy XX/XX/XXXX. After the dispute, the account status date was then updated to XX/XX/XXXX and my credit score fell from XXXX to XXXX because of a recent negative impact. Then, XX/XX/XXXX I tried to dispute this mistake my credit went from XXXX to XXXX. Next, on XX/XX/XXXX I again tried to get them to fix this information. There was no impact to my credit, but the account updated status still was not fixed. Finally, I noticed it was still impacting my credit so I again called and explained and asked them to correct the error. Again due to the dispute, they gave the account another update and my credit fell from XXXX to XXXX. At this point I am not sure how to get this resolved.

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 2021-03-07 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
yet another bank account blocking my funds for no reason. On XX/XX/XXXX i recieved my tax refund to my Citibank account. well there was some unauthorized transaction for a XXXX dollars on my account, I called CITIBANK to stop payment on that check. well the bank that the check was deposited to refunded me the money so i figure everything was good, well on the XXXX of XXXX i tried to acess my acount but it was blocked. i called CITIBANK again to figure out what happened. they told me they couldnt verify my account.. they used the word unfortunately so much that im starting to wonder why i opened this account. now after my lights got cut off and my landlord harrassing me about the rent, they still didnt resolve the problem. XXXX comes around now mind you im still trying to get this block off but they would unblock it long enough for me to get some money off of.. okay monthly charges are XXXX dollars a month they can acess their money but cant let me into my account.. thats not right. when the new card finally came i got to use it maybe 3 times before they blocked it again. talking about an alert on the account. i called when some of my purchases were declined but i have XXXX dollars in my acount ... now they know i just recieved that card and everytjhing i needed to pay buy or send i was doing until they blocked my card again.. they wont let me transfer the rest of my money out of that account. i have been warned at work for being on the phone with CITIBANK holding for aleast 1 hour for them to tell me UNFORTUNATELY ... its been so stressful my XXXX XXXX is up.. i cant buy food or send my kids to daycare because i cant buy food. im so upset right now.. this just cant be happing again.. please help.

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 2021-03-07 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: NY

Complaint narrative:
I have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: NY

Complaint narrative:
I have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?

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 2021-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
Credit Corp Solutions INC violated multiple laws under the Fair Debt Collection Practice Act. The first violation was 15 USC 1692c ( a ). They sent me mail which is very inconvenient to me. I didn't give Credit Corp consent to communicate with me through any mediums. That in fair is a violation. 

When Credit Corp communicated with me without my consent they stated in a letter multiple time that this debt was mine and that's a clear violation of 15 USC 1692b ( 2 ). They have no right to say that I owe a such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
Credit Corp Solutions INC violated a couple laws under the Fair Credit Reporting Act. The first violation was 15 USC 1692c ( a ). I did NOT give credit corp consent to contact me through any mediums.

Credit Corp Solutions INC Violated 15 USC 1692b ( 2 ) because sent me a letter stating that I owe an alleged debt and that's a clear violation under the Fair Debt Collection. Practice Act Credit Corp Solutions INC violation of bringing legal action for an alleged debt. Pursuant to 15 USC 1692i ( b ) congress states that " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: CA

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX, XXXX, and Equifax on XX/XX/2021 by Certified Mail regarding removing unauthorized inquiries. 35 days later, these inquiries are still showing on my credit report. I sent another Certified Letter on XX/XX/2021 requesting that the inquiries be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted TransUnion, XX/XX/XXXX, and XX/XX/XXXXon XX/XX/2021 by Certified Mail regarding removing unauthorized inquiries. 35 days later, these inquiries are still showing on my credit report. I sent another Certified Letter on XX/XX/2021 requesting that the inquiries be removed.

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 2021-03-07 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial Service and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account.

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 Facility ] 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 twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
After being affected financially/physically by Covid-19, Credit Acceptance Corporation placed my account in a Covid protected status in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, Credit Acceptance reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to XXXX  and XXXX  that I made no payments during XX/XX/XXXX through Present and to XXXX  that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once Covid protection ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of Covid, not late and was in Covid protected status and the information reported is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: DE

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: NY

Complaint narrative:
I have an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late.

Company response to consumer: Closed with explanation