vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I have been the victim of fraud as a company has obtained my medical information illegally without HIPAA authorization, nor my written consent as a consumer to furnish this information to my consumer report. I have verbally and written them to cease and desist all efforts, and they have furnished this information. I have received multiple letters after submitting a cease and desist, as well as illustrating that they have received them and stating they do not need a HIPAA as they have a contract. They stated the FDCPA doesn't apply to them when they purchase a bill. Which is also illegal according to the FDCPA. 

Medical treatment is supposed to be private, so why is it showing on my credit report that I had a ride in a ambulance to the hospital on my public consumer report? 

Please see the attached items to see that I have been violated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
frequent calls and text messages regarding well fargo financial account and a share holders meeting/vote. 

My number is on the do not call list. 

I have answered and asked them to remove me from their call list several times. 

The continue to harrass me. I get between 2-3 calls a day from the same number. Frequently the same woman, as I recognize her voice. 

Even when I begin telling them to remove me or not interested, they continue hounding me for my contact name and info.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to ENHANCED RECOVERY COMPANY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC
State: WI

Complaint narrative:
On Sunday, XX/XX/2021, I received an email from XXXX stating that my {$1500.00} loan had been approved. Within 3 minutes, I received a communication from XXXX stating that my personal information had been used to secure a short-term loan. I reported to XXXX that I did not apply for any such loan. I opened Case # XXXX with XXXX and then called TargetCashNow at the number provided in the email they sent me : XXXX. I spoke with a representative and learned that someone online used my date of birth, email address, and social security number to secure a {$1500.00} loan and is having the money sent out of the country. I tried to explain that this was fraud. The agent told me I needed to file a police report. I told her I have XXXX and they would handle it. Today, XX/XX/2021, I received an email from TargetCashNow demanding payment of {$260.00} by XX/XX/2021, or I would be assessed an additional fee. I called XXXX and together we called and spoke with a representative at Targetcashnow.com named XXXX. XXXX told me I MUST secure a police report for his company as it is the policy at their company. He told me that they did not issue the money to the person who applied in my name. I asked him why they are demanding payment from me and he could not answer me. He told me that the only way to resolve the matter was to secure an official report from law enforcement. I believe this is not my problem. I asked for compensation from TargetCashNow for my lost time from work and miledgae but was not offered anything other than if I wanted to fix this so it is not my responsibility, this is what I had to do. I would like this matter investigated as this company is violating my rights under FERPA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to JEFFERSON CAPITAL SYSTEMS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
In 2019 someone opened a XXXX credit card without my consent using my name social security number online. This account was charged off and has affected my credit score and me obtaining new credit. I have reached out to the credit bureau and XXXX XXXX on multiple times and they still have not removed item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have paid off and had accounts with this Company and now they need a phone call from me @ XXXX XXXX to verify my identity at the same location for 26 years and no other accounts with Synchrony Bank are in default meaning all accounts dingy or joint are all paid on time.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the NATIONAL CREDIT ADJUST still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
My Equifax credit report is inaccurately reporting the following account : XXXXXXXX XXXX Account # XXXX Nothing about this account matches any records that I have. I have disputed this account with Equifax several times in which they should have on record. The dispute clearly outlined what " verification '' means and how it should be provided. Equifax ignored all request to reasonably verify this account as requested. Each time my dispute was answered with an automated E-Oscar response, " verified as accurate '' or " updated ''. What information was being updated? Was this verified, updated and reviewed reasonably by a human representative? I then followed up with a detailed request for their method of verification in which they responded to with an automated E-Oscar response as well. This is a blatant violation of the FCRA. It is also negligent and certainly defamation of character having this inaccurate item on file and blatantly refusing to handle the dispute request as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Today on XX/XX/XXXX I had spoken with RPM known as Receivables Property Management in XXXX, Washington regarding a debt that I do not owe on. They contacted me regarding an debt from an car through XXXX XXXX  XXXX from XXXX XXXX that is no longer in business. I am unfamiliar with this company and debt pertaining to me from RPM. I ask them to verify the account and they could not validate or send me over a contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and experian is furnishing creditor : XXXX a balance of XXXX shows derogatory marks when i have already resolved this with " XXXX XXXX XXXX  '' the problem came when they furnished the same derogatory marks twice in essence they had the same bill twice and it totaled XXXX now sinc they only took one off its still reporting incorrectly i also have proof from XXXX XXXX XXXX aka XXXX look at the attachments

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 2021-10-06 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:
Hello I sent a letter XX/XX/2021 to Equifax regarding this account from XXXX XXXX XXXX. This account is being reporting inaccurately on all 3 bureaus so I requested an investigation from them. Equifax never opened up a dispute nor did their proper investigation. What they did do on XX/XX/2021 was change my payment history on this unverifiable account which dropped my score by 89 points. I have included the original letter along with the missed payments that were added to a charge off account. According to the FCRA this account must be DELETED if it can not be verified by the bureau. Thank you XXXX XXXX THIS IS MY SECOND COMPLAINT VERIFY THIS ACCOUNT OR DELETE IT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NJ

Complaint narrative:
XXXX/XXXX  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct 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 2021-10-06 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: NJ

Complaint narrative:
XXXX/XXXX  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Usaa bank put my account in review and said they would be closing my account in 60 days. My money in my account have been frozen for 60days now and when I called to report it's been 60 days they still won't close and release my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Santander consumer has once again proven to be extremely unprofessional. Stating that they cant corroborate a claim made by me when in any other situation they would simply pull the phone call to verify that the information the agent or the customer is stating is in fact the truth. This company reported my car late for 120 even after it was stated and charged off as a stolen vehicle. Never recovered by me and literally being found years later. I plan to contact the police department and see if this company recovered the car because once again that would be unethical as most of Santander doings are and also illegal as it is double dipping. This company has stated for years that they never said that once I pay the charged off amount for a vehicle that was stolen that they would remove the negative remark off of my credit. Instead of just pulling the phone call they have continuously claimed that I am lying. Just pull the phone call as the date of the last payment is marked. Instead of actually investigating we simply have individuals sit in their office and say they cant corroborate. No research actually even done. For years this has been one of the most unprofessional companies. I have no negative remarks on my credit except this one. Im at the point where I am going to seek legal action due to this company continuously reporting a negative remark on my credit without doing the needed research to verify that their agent stated the entry would be listed as in good standings. I do not recommend this company and I will regularly report on this unfair dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am requesting all documentation from PHH MORTGAGE XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX FOR PROPERTY LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I RECENTLY REQUESTED DOCUMENTS VIA OPTION ONE DBA OCWEN DBA PHH AND RECEIVED AN IMMEDIATE RESPONSE FROM LEGAL COUNSEL XXXX XXXX . GIVEN I DID NOT SEND A DIRECT REQUEST TO PHH IT GOOD TO KNOW OUR CASE CONTAINS SEVERE DAMAGES. THIS REQUEST IS TO MAINTAIN CONSISTENCY IN MY REQUESTS.

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 2021-10-06 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Credit reporting agency is improperly reporting a balance owed to Macys and to XXXX XXXX and they are inaccurately reporting that I filed a Chapter XXXX in 2017. I never filed a bankruptcy in 2017.

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 2021-10-06 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: TX

Complaint narrative:
equifax and XXXX is furnishing creditor : XXXX a balance of XXXX shows derogatory marks when i have already resolved this with " XXXX XXXX XXXX  '' the problem came when they furnished the same derogatory marks twice in essence they had the same bill twice and it totaled XXXX now sinc they only took one off its still reporting incorrectly i also have proof from XXXX XXXX XXXX aka XXXX look at the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report and found that this account is inaccurately and erroneously reporting in XXXX Credit Bureaus. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Also, I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the collection was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Self Financial Inc.
State: WI

Complaint narrative:
In 2020 when i noticed this account on my credit report with XXXX i disputed but XXXX back then never removed it. because in the initial investigation self finical inc and XXXX XXXX couched up evidence to convince XXXX it was my account and that it wasn't identity theft or that it wasn't fraud and that indeed i wasn't a victim. 
now today after its still remains on my credit report i reach out to XXXX again in the midst of disputing other inquiries and charges i brought this on e up. they told me i have to get a letter of deletion from self financialXXXX XXXX in order for XXXX  to remove the regular inquiry that i dont recognize from my credit report. so I was hoping that cfpb could enforce that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I did not authorize, consent to or benefit from this account. Block and remove it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: MA

Complaint narrative:
To whom it may concern, I was reviewing my credit report and seen some inaccuracies on my file XXXX and Equifax both delete the following account due to not being able to accurately verify it. i would like to delete my hard inquiry due to an inaccurate credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: WA

Complaint narrative:
I submitted documents to TransUnion from XXXX XXXX  saying that they would remove my late payments from my credit report, and they have not updated my report yet. All other credit checking companies including XXXX have already removed the late payments after submitting the proper documentation, but TransUnion still continues to have the incorrect 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 2021-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MO

Complaint narrative:
I found unauthorized purchase to my Direct Express Social Security card and contacted them about them. 
They sent me a letter saying that the charges I disputed were not found to be unauthorized. Therefore the unauthorized charges would be charged back to my account after they had added a provisional amount of {$720.00} to my account until their investigation was completed. 
The unauthorized charges were mad to XXXX which I have never made a purchase from. I am including a document from XXXX stating that there had been no purchase history from me on my account.

Company response to consumer: Closed with monetary relief