vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: GA

Complaint narrative:
Hello, The following acounts are not mine. 

XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Request the following : Method of Verification, Validation of debt and Assignment of Debt. In addition, you would be in violation of my Hipp Rights if these were my acocunts and I did not give premission to share my personal medical informaiton and privacy. 

Please remove ASAP

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 2021-07-08 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NC

Complaint narrative:
A XXXX vacuum was put in my name and my signature was forged on contract, I have talk to company about fixing my credit report and they gave me excuses and requested I pay off the vacuum, instead of doing there job I obtain all documents they requested to remove it and they have failed to do so. They also have threatened to continue to ruin my credit history of I don't pay for it so I'm kinda of stuck paying for it at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On or about XX/XX/2011 I became a victim of Identity theft and Fraud. I notified the banks in a timely manner that was allowed after the healing process. Captial One started my capital one 360 account online. Once I finally got the card in the mail I noticed the name was in correct and was also a consumer account. I then proceeded to open a capital one Spark business account which was the account that was suppose to opened in the beginning for a small business. Once everything finally matched such as name XXXX XXXX XXXX XXXX, not XXXX XXXX, or not XXXX XXXX XXXX I have documents showing inaccuracies and the documents showing when and how they were corrected for example the company XXXX XXXX XXXX, not XXXX XXXX I notified the bank about this stations it was to the point where my card was even left open and closed by a phone that I did not have in my possession and filed the appropriate claims with the fraud department after they sent me an email inquiring which I never responded so that means YES there is some fraudulent issues here. The amount totaling between the two accounts is over, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Trojan Professional Services, Inc.
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am paying for Experian Boost. Im a single XXXX mother of XXXX son. We lost our home, small resume preparation business, our car due to the Pandemic. We have both been very ill with the virus. I realize it isnt pertinent to Experian but it is to us. I am trying to raise my credit score to buy a home. Experian is reporting as if they are connected to my checking account but due to a glitch they admitted via email is on their end, they are not connected. They are reporting my income as {$780.00} vs expenses of {$2600.00}. I have no idea where they came up that figure. I have no credit card or any debt except student loans that have been deferred for years. My debt ratio is about 4 %. Its really hard to get a live person on the toll free number and their reps say different things. One rep told me if I cancel my Experian membership it will lower my credit score. I get paid and pay my bills via my XXXX XXXX XXXX for my XXXX payments. Experian can not help me connect my XXXX XXXX card to their system. They also wont accept any verification of accounts for Experian Boost except auto pay. I can not email or mail verification of my utility bills. The other problem that causes is if I dont always pay my utilities consecutively with auto pay they only show the payments they see. Experian is my lowest credit score. Im paying for Boost and they are incorrectly gathering and reporting my information.

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 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
They violated my hippa rights and put it on my credit without knowledge of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I disputed a charge in writing to Spectrum/Charter on XX/XX/2021. I had cancelled services and the charge was for a period of service in which I had none. They turned me over to XXXX XXXX XXXX XXXX XXXX for {$200.00}. Their letter said I had until XX/XX/XXXX to dispute the charge. I sent a certified letter disputing the charge on XX/XX/2021. I never heard back from them. Having never dealt with a credit company, I figured the issue was closed. 

Then, on XX/XX/2021 I happened to look at my FICO score through my bank and noticed it dropped from XXXX to XXXX. Running my credit report through XXXX  I saw a negative report from The CBE Group Inc. I have never heard of them. I was never sent anything in writing and did not receive any phone calls, emails, etc. Apparently, they've had my account since XX/XX/2021. 

Although I still dispute the charge, I would have paid it to avoid ruining my credit had I been notified. I tried calling them today and their number is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solutionsis reporting a medical debt on my personal credit report with all three major credit bureau 's ; XXXX, XXXX and XXXX as of XX/XX/XXXX via an alert through XXXX, XXXX and XXXX. I do not owe Debt Recovery Solutions money nor have I ever received medical services from Debt Recovery Solutions. Additionally I did not authorize any medical provider to violate my Hippa rights and provide my personal and medical information to a third party company. I have not signed nor consented to Debt Recovery Solutions reviewing, obtaining, reporting, or consulting on my personal and medical history. I have a signed Revocation of Authorization for XXXX to not disclose any information to Use or Disclose Health Care Information to any third party This is a violation of Health Insurance Portability & Accountability Act of XXXX and also a violation of the Fair Collection Practices Act. I, numerous times have tried to deal with this issue. Debt Recovery Solutions sent me a letter on XX/XX/XXXX for a debt they say for XXXX, On XX/XX/XXXX I sent them a certified letter, they were not able to. On XX/XX/XXXX I sent them a second letter on failure to validate and and cease certified. ON XX/XX/XXXX I received a notification from XXXX, XXXX and XXXX that Debt Recovery Solutions has noted a collection on my credit. They have violated my Consumer rights by not validated a debt, They reported a a disputed debt to the CRA and the FCRA violation - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation - Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased product from XXXX for XXXX. 
When I received the product the following week it was missing key components to make the product work ( XXXX wires were missing ). 
XXXX originally was unresponsive to my emails, so I initiated a dispute with Chase. 
During this time XXXX responded to me and said they would send me the missing wires, so I cancelled my dispute. 
After waiting eight months for the wires and following up with them 10+ times I still never received the wires. I then told XXXX I would like everything refunded and they agreed. 
On XX/XX/XXXX XXXX picked up my items and they were delivered to XXXX later that week. Tracking numbers XXXX, XXXX, XXXX. 
On XX/XX/XXXX they emailed me saying the refund was fully refunded. I did not see the refund on my card. I continued to follow up because I still never got the refund. 
XX/XX/XXXX they send me a screenshot from their internal system claiming they have refunded me. I have attached the screenshot. 
Current - I still have not received my refund and Chase says it has been too long since the purchase to do a regular dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
A Fifth Third Bank employee pulled my credit report thru XXXX  on XX/XX/XXXX and opened a credit card in my name without authorization or a request from me. I discovered this while refinancing a mortgage thru my credit union at that time. I contacted 5/3 immediately and had the card cancelled. The 5/3 employee I spoke with stated this was done in error and would not forward my complaint to management that this was done intentionally. I used to work at 5/3 and fully understand the sales goals placed upon the staff and have a good understanding of what occurred. The CFPB is currently suing 5/3 for these actions. 5/3 has scrubbed the unauthorized card history from my profile as of XX/XX/XXXX. I have a copy of my XX/XX/XXXX credit report showing the enquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My wife and myself lost our jobs due to COVID. I have found another job at a lower income and my wife has not had her income come come back. Our house mortgage is in forbearance which is not to adversely effect my credit. I have noticed that my credit rating Has dropped and one of the reasons given : Not enough balance paid down over time on real estate secured loans Description A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have This specific information is from XXXX XXXX that I receive through XXXX XXXX ( my credit union ), but my score has dropped on every other financial website that I have received scores from, and when inquiring to my credit history and checking my credit report from the three bureaus I am unable to find where or how this is calculated or why it is being used. 
XXXX XXXX provides credit score reporting via XXXX XXXX. 
How is XXXX XXXX unique? 
It is a tri-bureau score : a single score analyzing the data from all three reporting bureaus Is there any remedy since I thought under the CARES act and my mortgage being in forbearance it would not be effected?

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 2021-07-08 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: WI

Complaint narrative:
My wife and myself lost our jobs due to COVID. I have found another job at a lower income and my wife has not had her income come come back. Our house mortgage is in forbearance which is not to adversely effect my credit. I have noticed that my credit rating Has dropped and one of the reasons given : Not enough balance paid down over time on real estate secured loans Description A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have This specific information is from XXXX XXXX that I receive through XXXX XXXX ( my credit union ), but my score has dropped on every other financial website that I have received scores from, and when inquiring to my credit history and checking my credit report from the three bureaus I am unable to find where or how this is calculated or why it is being used. 
XXXX XXXX provides credit score reporting via XXXX XXXX. 
How is XXXX XXXX unique? 
It is a tri-bureau score : a single score analyzing the data from all three reporting bureaus Is there any remedy since I thought under the CARES act and my mortgage being in forbearance it would not be effected?

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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit System # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XX/XX/2021, I submitted a dispute on a collections item on my account ( {$1600.00} ). This was the SAME amount submitted by a different collections agency earlier in XX/XX/2021 that was researched and removed by all 3 reporting agencies. It appears the debt ( incurred due to identify theft ) had simply been sold from one agency to another. I had no issues with the other 2 agencies seeing that this is the exact same item I disputed earlier this year and them removing the issue ( AGAIN ) from my credit report. However, Experian has stated that they validated this debt to be accurate ( which is impossible ) and are not removing it from my credit report. The only option I was given was to report them and their company to this site for remediation.

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 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: MS

Complaint narrative:
Amerassist AR Solutions, contact info ( XXXX. XXXX XXXX, XXXX, OH XXXX ) are reporting inappropriately to credit bureaus as well as in violation of law including HIPPA, FTC, FDCPA, as well as questionable if they have a right to collect in my home state. I demand that they stop reporting and remove negative items ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Immediate Credit Recovery
State: CA

Complaint narrative:
I received debt collection from a company called " Immediate Credit Recovery ''. Noting that I owed {$420.00} from XXXX XXXXXXXX. The account # they created is XXXX. They also claimed that if I was not able to pay within a month, my credit  score will be damaged. I have not involved in any financial activity with XXXX XXXX and I am not aware of any direct bill. 

Actions I have taken : - Called XXXX XXXX. I was not able to confirm any bill for me from XXXX XXXX - Called the Company, I was not able to get connected to any agent - Emailed the company, there was a mail system failure meaning the email didn't go through. 
- Searched online, there were comments that this company may really exist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I called to request a credit limit increase and the agent refused to process it for me. Lastly, I noticed my credit report shows a delinquency on my two accounts ending in XXXX and XXXX. On the account ending in XXXX, it shows for XXXX and XX/XX/XXXX. On account ending in XX/XX/XXXX. 

If you require my orders to document, please let me know and l will forward to you as proof. 

To the best of my knowledge this occurred when we were relocating on XXXX XXXX military orders to and overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander consumer refusal to remove loan or take decision responsibility for despite XXXX  judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the XXXX.

Company response to consumer: Closed with explanation