vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: TX

Complaint narrative:
I am disappointed with the response received due to plusfour failing to validate that insurance and the medical company have worked through my claim as of XX/XX/2019 and nothing is owed on my end. Also that plusfour has private medical information which I never released and is a complete violation of Hippa. 

This was never a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Which at minimum should include the following. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I am allowed proper validation under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I requested full documentation of what you received from the provider of service in connection with this alleged debt. 

I attached the private information that plusfour responded with that was a complete violation of my rights to privacy. And in absolutely no way was VALIDATION that the debt is owed to them.

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 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I downloaded XXXX XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.

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 2020-02-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I downloaded XXXX XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.

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 2020-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I tried to pay off this loan at the end of XXXX. My payment was not processed and my online can not said it was still processing..and continued to say this for 3 months. I sent several emails to their customer support and first was told their debt card system wasn't working. Then I was told that they couldn't run my card anymore. Needless to say without a phone call from them ... and with my persistence to pay this ... I was reported to the credit bureaus as a late payment anyway So I now tried to get a mortgage to buy a home. And I could not cosign for my wife because of the damaging late payment! I am so frustrated with Money Lion and the games they are playing with my finances. 
Finally a couple days ago they freed the block ... ..and I was able to run the card. Why the XXXX would you make it impossible to pay off my account? And then report to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This has been an ongoing issue with Wells Fargo for over a year now that is their error and has lowered my credit score over 30 points due to their negligence.

First, a credit card I've had for nearly 15 years was closed without warning. It was closed with no letter/call/email, my oldest credit card, and consequently significantly dropped my credit score. 

I filed a complaint with the CFPB a year ago - complaint XXXX - and Wells Fargo was ordered to reopen the account. 

They did. Only to close it again a week later. I found out about that in XXXX. They account was again reopened, but has still not been corrected on my credit report after many, many discussions with Wells Fargo, the most recent being about 60 days ago. The card has a tiny balance so that I can show it has actually is open and has been used. 

Please help! I plan to buy a house in the next 6 months and this ordeal is creating a tremendous amount of stress. I would really appreciate your help in ensuring credit report accurate, reflecting the 15 year credit history I have worked hard to build. It is clear that Wells Fargo does not care. Thank you.

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 2020-02-07 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: AR

Complaint narrative:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I reviewed everything and there was several unknown inquiries and accounts that certainly did not belong me. I pulled my credit and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$2600.00} OFFICE OF THE ATTY GEN XXXX {$0.00} US DEPT OF ED/XXXX  XXXX {$24000.00} XXXX/XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$2600.00} XXXX   XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$230.00} DEPTEDXXXX   XXXX {$2100.00} XXXX/XXXX  XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$0.00} XXXX  XXXX {$500.00} XXXX XXXX {$420.00} XXXX XXXX {$680.00} XXXX/DEPTPFED   XXXX {$7100.00} XXXX XXXX A XXXX {$270.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed a XXXX XXXX auto loan account and provided documentation of the lien release and title and XXXX fax reported after it was updated in XX/XX/XXXX. So they are still reporting it as I owe the debt. The account has been on my credit report since XX/XX/XXXX. XXXX  refuses to actually dispute anything. They even told me that inquires cant be disputed even if they are fraudulent. They refuse to remove anything off my credit even when I provide documentation that the item is incorrect or has been paid.

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 2020-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: NY

Complaint narrative:
My student loans were bought by ACS Conduent and each time I contacted the servicer, they would steer me to forbearance. They didn't provide me with proper information regarding loan options which would be best suitable for me and gave me " the run around. '' They would often take extra time processing my paper work which kept me in forbearance longer. XXXX  XXXX   XXXX  XXXX  ( ACS ), XXXX. XXXX  XXXX, XXXX TX XXXX was my servicer from XXXX- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is again reporting as a missed 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 explanation
Consumer complaint received 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX ) is still  showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. 
On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy 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 2020-02-07 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: EQUIFAX, INC.
State: MN

Complaint narrative:
This has been an ongoing issue with XXXX XXXX for over a year now that is their error and has lowered my credit score over 30 points due to their negligence. 

First, a credit card I've had for nearly 15 years was closed without warning. It was closed with no letter/call/email, my oldest credit card, and consequently significantly dropped my credit score. 

I filed a complaint with the CFPB a year ago - complaint XXXX - and XXXX XXXX was ordered to reopen the account. 

They did. Only to close it again a week later. I found out about that in XXXX. They account was again reopened, but has still not been corrected on my credit report after many, many discussions with XXXX XXXX, the most recent being about 60 days ago. The card has a tiny balance so that I can show it has actually is open and has been used. 

Please help! I plan to buy a house in the next 6 months and this ordeal is creating a tremendous amount of stress. I would really appreciate your help in ensuring credit report accurate, reflecting the 15 year credit history I have worked hard to build. It is clear that XXXX XXXX does not care. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The debt has been unverified by ARS Account Resolution. The collection was removed from my credit report over 5 times because this debt was unable to be verified. Now here we go again. A collection placed on my account by them. I want this collection removed immediately. This debt does not belong to me. Further more you do have any signed contract stating I must pay you and again this agency has failed to validate this debt on numerous instances.

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 2020-02-07 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: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I have contacted the company and XXXX  about the mistake. After I disputed done collection account 's. When they decided my dispute was not worth removing the 6 plus year old Accounts they came back on my name as JUST OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: IL

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX ) is still showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy 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 non-monetary relief
Consumer complaint received 2020-02-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is again reporting as a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: IL

Complaint narrative:
XXXX is again reporting as a missed 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 explanation
Consumer complaint received 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I reviewed everything and there was several unknown inquiries and accounts that certainly did not belong me. I pulled my credit and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$2600.00} OFFICE OF THE ATTY GEN XXXX {$0.00} US DEPT OF ED/XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$230.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$910.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX  XXXX {$420.00} XXXX XXXX {$680.00} XXXX/DEPTPFED XXXX {$7100.00} XXXX XXXX A XXXX {$270.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I reviewed everything and there was several unknown inquiries and accounts that certainly did not belong me. I pulled my credit and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$2600.00} OFFICE OF THE ATTY GEN  XXXX {$0.00} US DEPT OF ED/XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$230.00} DEPTEDXXXX XXXX {$2100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX {$420.00} XXXX XXXX {$680.00} XXXX/DEPTPFED XXXX {$7100.00} XXXX XXXX XXXX   XXXX {$270.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: AR

Complaint narrative:
Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XXXX XX/XX/XXXX, charged off amount for {$790.00}. Wrote the XXXX, emailed the President of the Company. Barclays Bank Delaware has violated the federal law under the Fair Credit Reporting Act section 608 and 611 by reporting after my husband went off XXXX XXXX in XXXX due to combat related injuries. Servicemembers Civil Relief Act was also violated. They have multiple accounts on my husband 's credit report that payments were stopped and balances were adjusted to reflect the Servicemember Civil Relief Act. I submitted documentation showing he was on XXXX XXXX because they had violated the law. This company saw my husband was on XXXX XXXX and documentation was submitted to them via fax. Never reported any late payments until he was released from XXXX XXXX and is completely XXXX. They are also violating the Fair Debt Collection Practice Act by reporting to the credit bureau after my husband went off XXXX XXXX. I have disputed this multiple times with the credit bureau and Barclays Bank is now put the debt as a charge off/collection when in fact they are breaking numerous laws. Barclays Bank needs to be penalized for not abiding by the federal laws that are in place for the consumers. This company continues to violate laws.This company is not veteran friendly. The federal government need to get involved and make sure they are not taking advantage of the consumer especially a veteran who has served his country. They are up on statue of limitations in the state of Virginia as well. The list just goes on and on. They never reported on his credit report when they approved my husband for the Servicemembers Civil Relief Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation