vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BK OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
FDCPA states that a debt is owed when the consumer validates the debt and the steps of validation can be found in 15 USC 1692g with which Commonwealth Financial has violated making the claims fraudulent. They are also violating 15 USC 1692a which states a debt collector can not invaded a consumer 's privacy and HIPPA law and recent updates to the FCRA also emphasis this privacy notion. I had called the company about this account and I was on hold for over an hour to just have the automation hang up the phone. I, the consumer, demand for the account to be closed and removed from my credit report so it is no longer reporting negatively on my credit report and to receive compensation for the violated rights and the amount for the penalties is explained under 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
I was with chime bank. I have received a ppp loan! I am not a scammer. I actually had proof of all independent contract agreements. I also have proof of identity. I also showed proof that the lending company was sending money to me. They say they will mail me a check. But I have also been reading that they dont send funds. I even have a independent contract showing that they are going to be the bank that Im depositing funds to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I recently discovered a credit inquiry from Comenity Capital Bank on my XXXX credit report. I did not authorize this inquiry and so I sent a dispute to them on XX/XX/2021 demanding it to be removed from my credit report. I also sent a dispute to XXXX. Both came back verified with no proof. I called Comenity Capital Bank on XX/XX/2021 to dispute the inquiry and a representative stated they had no record of an account with my name or social security number attached. Based on what has happened, Comenity Capital Bank and XXXX  are in violation of the following laws : FCRA 15 USC 1681b ; FCRA 15 USC 1693a ( 2 ) This is very frustrating and I demand resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I got a couple of payments taken out of my checking account and then they stopped. I had called me bank and told them to stop and now they are starting up again and my bank is not putting them through but they won't stop and I have no idea what this is for.

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 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : DEPTEDXXXX XXXX {$750.00} DEPTEDXXXX XXXX {$1700.00} US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX {$750.00} DEPTEDXXXX XXXX {$1700.00} US DEPT ED XXXX {$750.00} US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase will not let me access my bank account to make payments to my chase card online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
On XXXX I sent a letter in regards to inaccurate unknown information on my credit report that was not furnished with my written consent as a consumer per 15 USC 1681b subsection C ( Fair Credit Reporting Act / FCRA ). As of now its been almost 60 days and still not heard a thing about my investigation. I feel like im being taken advantage, my disputes are being ignored, and they are violating my rights as a consumer. In 611 ( a ) of FCRA it clearly states that failure to investigate these items within 30 days is reason to remove them immediately from my credit report. Its now been almost double that time at 60 days so they should be removed immediately. Im shocked how my rights as the consumer are being violated and im being ignored when asking for fair correction, I demand these accounts be deleted asap for all the stress it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NV

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Credi : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Credi : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXXXXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: OK

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 2021-04-02 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: NM

Complaint narrative:
I recently discovered a credit inquiry from XXXX XXXX XXXX on my Equifax credit report. I did not authorize this inquiry and so I sent a dispute to them on XX/XX/2021 demanding it to be removed from my credit report. I also sent a dispute to Equifax. Both came back verified with no proof. I called XXXX XXXX XXXX  on XX/XX/2021 to dispute the inquiry and a representative stated they had no record of an account with my name or social security number attached. Based on what has happened, XXXX XXXX XXXX and Equifax are in violation of the following laws : FCRA 15 USC 1681b ; FCRA 15 USC 1693a ( 2 ) This is very frustrating and I demand resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter from Convergent a year ago ( XXXX ) regarding a delinquent cable account in XXXX XXXX with XXXX. First of all, I have never lived in Nevada and secondly, I have never heard of XXXX much less have an account with them. I spoke with a rep at Convergent and they said I would have to take it up with XXXX. I spoke with a rep at XXXX and we found that my info did not match and it was not me and that it would be reported to the collections and credit agencies. Fast forward to a year later XXXX XXXX XXXX, I received another from Convergent regarding the same delinquent account, went through the same process and NOW their info happens to match my info. I believe they updated their account a year ago when we compared information. I looked through some old paper work that I filed away and noticed that Convergent contacted me in XXXX regarding a XXXX XXXX bill that I did not ever have. I'm not sure if it is the debt collectors Convergent or XXXX who are the scammers or both! I have filed a police report for identity theft.

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 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX {$2900.00} XXXX XXXX {$2300.00} US DEPT XXXX XXXX {$2900.00} US DEPT XXXX XXXX {$2300.00} XXXX XXXX SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2300.00} US DEPT XXXX XXXX {$2300.00} ( XX/XX/XXXX XXXX US DEPT XXXX XXXX {$3100.00XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$3500.00} US DEPT XXXX XXXX {$3500.00} US DEPT XXXX XXXX {$2900.00} XXXX XXXX {$1500.00} XXXXNET XXXX {$3500.00} US DEPT XXXX XXXX {$1500.00} {$3500.00} US DEPT XXXX XXXX {$3500.00} US XXXX XXXX XXXX {$2900.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$3100.00} XX/XX/XXXX US DEPT XXXX XXXX {$3500.00} XX/XX/XXXX US DEPT XXXX XXXX {$2900.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXXT XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX DEPT XXXX XXXX {$3100.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$0.00} XX/XX/XXXX XXXX US DEPT XXXX XXXX {$2900.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX US XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX {$3500.00} XX/XX/XXXX US XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Mid-South Adjustment has inaccurate contact information on the credit bureaus for both address and telephone as required by law. 

They have their phone number listed as : ( XXXX ) XXXX Their address as : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX That phone number is not in service and they are not at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 lists one of the negative factors on my credit report to be too many recent credit inquiries however all of the inquiries are within a period of less than 21 days and all are related to shopping for a mortgage. In other words, comparing rates among lenders. According to CFPB 's website, these should all be treated as only one single " hard inquiry. '' See CFPB webpage XXXX XXXX XXXX XXXX. 
I called Experian and asked why my score was being impacted by all of the inquiries. Experian said they drop my score by 3 to 5 points for every single inquiry and there is nothing that can be done about it. I informed Experian that since all were within a 45-day window for the purpose of shopping for a mortgage that it should only count as one hard inquire. Experian said they have never heard of that rule/policy and that is not how they calculate the score impact. I asked to submit a protest or complaint about this policy being in violation of CFPB guidelines, but Experian said there is no way for me to dispute it with Experian directly. They told me I should file my complaint with the FTC. 
I have not called the other to bureaus, XXXX XXXX XXXX  I do subscribe to credit monitoring with both and my activity monitoring for both show the same information that too many recent credit inquiries is lowering my score. 
I have gotten mortgage pre-qualification worksheet estimates from around 8 different lenders and ALL OF THEM pulled my credit report with a hard inquiry. I would NEVER have done this with this many lenders if it were not for the advice from CFPB that the all of the inquiries will only count as one " hard inquiry. '' Now I am stuck with score impacts from all of those hard inquiries unless the credit bureaus change their policies to be in alignment with CFPB advice.

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 2021-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank called my employer over 10 days to verify my employment despite being notified I was employed each time. This caused embarrassment to me, and felt like harassment. I would like the CFPB to investigate if Citibank does this to each applicant or if I was singled out.

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 2021-04-02 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: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
I am a victim of identity theft. I got an alert today stating that I had a new account on my credit report from ARS Account Resolution for a medical debt from a hospital in XXXX New York. I have never been to an emergency room in any state let alone New York. I have never done business with this hospital and this debt is not mine. This debt is either being reported as a mistake or a result of the ongoing identity theft but regardless this debt does not belong to me. I was asked by the credit bureaus to send in an updated FTC identity theft affidavit for this specific collection account which I have done and submitted to the FTC. A copy of the report which was filed with the FTC is attached to this complaint.

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 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: FL

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. These account was removed from XXXX  and XXXX  but Transunion still haven't removed it. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted them regarding this and i was told to get an FTC 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 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I have had coinbase account now for a couple years and one day all of the sudden my account was " under review ''. This was back on XX/XX/21 and they said it would take a few days. I then got an email on XX/XX/21 saying my issue was resolved, but it clearly has not since i can not get back into my account. I have reached out a couple more times and have not heard back from them. I would simply just like to get back into my account so I can pull out my funds.

Company response to consumer: Closed with monetary relief