vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
Did not receive enough information to verify this debt.

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Upon checking my credit report saw this as a collections account I have never opened a line of credit with XXXX XXXX XXXX and never used any of their checking accounts only had roadside assistance and used to have insurance with them until leaving due to false estimates for coverage No mail has been received regarding debt and or notification that this exists since 2021 Id like this removed from my credit report as this debt doesnt exist and or notification wirh verification hasnt been received by me in over two years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
I sent a dispute to the credit bureaus on XXXX XXXX 2022 in regards to my account XXXX XXXX account number XXXX and its been over 45days no respond. this is grounds for removal.

The credit bureaus also violated theres rights under these laws : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 i attached the copy of the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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 — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Apartment complex XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, where I happened to reside temporarily. I summited an application to become roommates with the person already living there XXXX XXXX back in XX/XX/XXXX. Application was then approved. Fast forward to a few month 's later XX/XX/XXXX. I managed to get an apartment for myself in which I was needing rental history. Which then I went over to the leasing office at XXXX where I happen to find out there was never a new lease made with my name on it showing proof of me being a resident there. That brought upon many issues as the apartment complex I was wanting to move into needed that history before approving my application. The manager of the leasing office at XXXX was made aware by another employee that my name or information was not a part of the current lease they had in hand. Therefore, the manager had to email the new complex and let them know of the office error for them to approve me as it had nothing to do with me not completing what was needing on my end. The new apartment complex at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, then approved me. Later on XX/XX/XXXX I receive an alert that an account on my credit has been open owing {$260.00} from Genesis Credit Management that XXXX is now billing me for rugs I am not responsible for as I had no bedroom in that apartment. Now I have this debt lingering on my credit effecting my score and my future home purchasing. SOMEONE PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I have acomplaint about Medicredit, a medical debt collection agency, arising from services rendered at XXXX XXXX XXXX. 

I visited an XXXX XXXX for XXXX  and XXXX  tests in XX/XX/2022. At the time of my visit, I provided my insurance information ( XXXX  ). I nevertheless received a bill for the full amount owed ( {$780.00} ) as if I were a self-pay ( uninsured client ). I provided my insurance information on multiple occasions, but XXXX continued to send bills. I contacted my insurance company and was informed that XXXX had not submitted a bill they could pay. 

Beginning in the fall, I began to receive repeated letters and harassing phone calls from Medicredit, a debt collection agency. I informed Medicredit that I have insurance, which they promised to bill. I also followed up with XXXX and was told that the bill would be removed from collections. I have received multiple harassing phone calls from Medicredit since XXXX informed me they would take the bill out of collections. 

Therefore, I have XXXX  complaints : ( XXXX  ) Harassing phone calls; and ( XXXX  ) This is not my debt -- this debt should be sent to my insurer. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone called me from the XXXX XXXX and it was the phone number on their government website, so I believed them. They asked me to download the " Any Desk '' app, accessed everything on my phone, asked me to take a selfie to confirm my identity, asked me to say my name, XXXX, and address, and log into my bank accounts and share my balances. They told me that someone stole my identity and that if I didn't share this information, my accounts would all be seized by the government because someone was laundering money and drugs under my name across borders. I now know this isn't true, but in the moment, I was scared and complied. They got into all of my bank accounts, credit cards, emails, and passcodes through my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: NY

Complaint narrative:
I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. 

I filed a report with the federal trade commission and let the credit bureaus and credit card company XXXX and XXXX  know and attached the report to my dispute. I also disputed these accounts to Experian and attached my federal trade commission to the dispute. 

all credit agencys but Experian has not removed the XXXX account and eversource account from my report. 

The account in question is XXXX XXXX And XXXX account XXXX Experian falsely responded to my original report to CFPB report number XXXX that the accounts Im disputing is not on my report which is not true and a lie. 

Please see attached my most recent credit report from Experian showing both these accounts still on my credit report. Page 31 page 35 highlighted Please see attached my federal trade commission report both accounts are highlighted Please see attached Experian response to my complaint Please remove these accounts from reporting. This is extremely illegal

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my husband have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( Equifax, XXXX and XXXX ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Medical Data Systems, Inc.
State: PA

Complaint narrative:
This company appears to be a debt collector and has 2 entries on my credit report with all 3 credit agencies ( XXXX, XXXX and experian ). 
XXXX ) a contract does not exist between XXXX XXXX and Medical Data Systems , Inc . 
XXXX ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
XXXX ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
XXXX ) this is causing damage and constitutes identity theft because Medical Data Systems, Inc.has never been authorized to act on my behalf through any power of attorney. 
XXXX ) Attached is a formal legal/lawful notice that Medical Data Systems , Inc. is in breach of copyright. Remove all data from the credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Kriya Capital, LLC
State: CT

Complaint narrative:
I am reporting these two companies called as : CREDENCE RESOURCE MANAGE and XXXX XXXX XXXX  for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$2200.00} when this charges were fixed and settled by their own presidential managers 3 years ago. I used to have this account and every time when I used to go out of the country my bill was over XXXX of dollars for internationally roaming charges. Therefore, I had reported to XXXX XXXX XXXX as fraudulent action that XXXX XXXX has taken to get money from people like myself. XXXX  contacted and submitted my complaint to XXXX XXXX  and some XXXX which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this CREDENCE RESOURCE MANAGE do not understand it and refused to take it out of my credit report. XXXX XXXX  should have records of their mistakes and complaints from XXXX on file against them, why are they not revising that?.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
EQUIFAX is posting inaccurate information on my consumer report which is causing harm to my personal life. EQUIFAX is furnishing a consumer report that claims I have a Student Loan account from " Dept of EDXXXX '' that has " At least 120 days or more than four payments past due ''. It is also furnishing a report that claims I have an account from " US Department of Edu '' that was opened on XX/XX/2011 with a payment status as " Collection Account '' that is " XXXX days past due '' and has a balance of " {$2400.00} ''. This information is from an account that was opened over 12 years ago, in XX/XX/2011. Both of these reports are inaccurate and need to be removed from all consumer reports regarding my person furnished by EQUIFAX. I have tried disputing with the company through XXXX and had no success. EQUIFAX continues to violate my rights as a consumer by publishing my personal information without my written consent. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Reporting this transaction is resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate accounts on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. These accounts need to be completely removed from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C. 1681 SECTION 602 A. states I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: DE

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  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 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 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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
This is a collection from an off campus student housing property that I did not move into due to no enrollment XXXX  semester XXXX  owned by XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Is the original creditor says my credit report. LTD Financial Services is the debt collection agency. I was sent to collections for {$10000.00}. I've never experienced this I'm XXXX XXXX XXXX. I did not know my rights until I read up on XXXX XXXX about my collection. 
The debt collection agency LTD financial services repeatedly calls me. The most recent calls on my call log include XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX. I have asked them several times to stop calling me. I was not offered any written correspondence from the LTD Financial Services. I ask that this collections and balance be removed from my credit report due to harassment and unprofessional tactics. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I submitted a dispute with UNITED COLLECTION on XX/XX/23. complaint ID- XXXX. " This was their response We have mailed a written response to the complaint received through the CFPB portal directly to the party whose identifying information matches the identifying information of the complainant. Should you require any further information, please contact us. " However they did not due this and instead reported to the credit burrows that the account was closed. This account was not closed or paid as it was never proven by UCB to be mine by the information i requested. 

This collection needs to be corrected as removed NOT closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
My Wells Fargo account was forcibly closed by them in XX/XX/2022. I contacted Wells Fargo on how I could receive my funds that were in the account as soon as it was closed. After a lot of back and forth I was told to send an account closure form via mail to Wells Fargo 's address. I sent them the account closure form ( which includes the wire transfer instructions ), they received it on XX/XX/2022. I still haven't received my funds from them and when I contact them they are not giving me clear answers. I'm at a point now where they are not even answering my calls.

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 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC
State: KY

Complaint narrative:
XX/XX/XXXX until as recently as XX/XX/XXXX He keeps calling saying I owe a medical bill that XXXX didn't pay from XXXX. I have never had XXXX insurance. I worked for the XXXX and have had and have currently XXXX XXXX XXXX XXXX XXXX He said it is for a small amount of {$110.00} but will settle for {$75.00}. There could be no way this is my bill because I have to show driver license and my insurance card to my doctor and they take a picture to keep on file. The number is XXXX Capital Link Management, He said if I don't pay they will report it to the credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Dynamic Recovery Solutions contacted me on XX/XX/XXXX regarding a medical debt from XXXX XXXX XXXX from XXXX of XXXX in the amount of over {$1400.00}. According to the statute of limitations of in the state of Florida in regards to medical debt, the limit is 5 years to recover the debt. As I informed the agent of the Florida statute of limitations, the agent claimed that this is not correct and there is no statue of limitations on this debt. She then proceeded to explain that I would be taken to court regarding this debt if I am unable to set up a payment plan with her. I advised her that I will not be setting up a payment plan for a debt that was 3 years past the state statute and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MA

Complaint narrative:
XXXX AND XXXX XXXX, have never been my accounts. I have sent away many letters to get these removed from my credit report. These have no contact information to dispute. I need these removed, it has been over 5 months! I have been emailing about XXXX XXXX, which has XXXX cards with my name, yet has no contact information. How am I supposed to move forward if my fraud alerts and removal letters for frauded hard inquiries are not being honored?

Company response to consumer: Closed with explanation