vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
To Whom It May Concern ; My complaint is regarding an account which Southwest Collections Services Inc in the City of XXXX California claims I owe {$3200.00} which is false.and the amount keeps increasing monthly. It is currently {$3200.00} as of XXXX I have written them on several occasions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( 15 U.S.C. - 1681 et esq ), and California 's Consumer Credit Statues and subtitle D of the ARRA, SEC. 13401. Application of Security Provisions and Penalties to Business Associates of Covered Entities ; and SEC. 13407 ( 1 ) Breach of Security along with the corresponding local state laws. Please also note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.

Each month for the last several years Southwest Collections Services increases the amount they alleged i owe them and show no proof of a contractual obligation or instrument bearing my signature and i have advised them not to take action reporting to XXXX, XXXX and XXXX and they did and currently report to the bureaus. 

I also believe Southwest Collections Services is in HIPPA violation disclosing medical records in the State of California.

Medical Privacy Statues and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. 

I am requesting assistance in having this erroneous information deleted and further requesting assistance in how to properly pursue the matter in my local venue of law. 

Please advise and thank you. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: FL

Complaint narrative:
Equifax has inquiries on my report that I DID NOT authorize, they are fraudulent, and I did NOT give any of the following businesses authorization to run my credit and they do NOT have a permissible purpose! 

XXXX XXXX, XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 The above inquiries NEED to be deleted IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with 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 non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from Portfolio Recovery Associates stating that one of the accounts was sent to them from XXXX because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send Portfolio Recovery Associates people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that XXXX deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to Portfolio Recovery Associates and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with XXXX since they were the ones who accepted the payments. 
- And then ... I reached out to XXXX but said they couldn't help me because my account was sent to Portfolio Recovery for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected Portfolio Recovery was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up.

PLEASE HELP! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 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: GA

Complaint narrative:
****** XXXX ***** Inquiry details Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Equifax XXXX : Inquiry details XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with 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 non-monetary relief
Consumer complaint received 2018-08-12 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: VA

Complaint narrative:
I want to know specifically why Experian dropped my credit score by 56 points in one month ( XXXX to XX/XX/2018 ). I particularly want to know how this scoring factor works : " Open real estate account balances are too high compared to their loan amounts. '' Does this mean that I'm not paying off my mortgage loan fast enough? I've never heard of such a scoring factor before. If Experian is essentially requiring consumers to pay their mortgages faster than required, that is outrageous and should not be allowed. I called Experian on XX/XX/18, but they could or would not answer any questions about scoring factors. Nothing in my credit situation has changed, so I'm very concerned about this dramatic decrease in my score.

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 2018-08-12 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: NJ

Complaint narrative:
I am writting thid due to non-comliance with the CRA [ EQUIFAX ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter Business Service, Inc.
State: MA

Complaint narrative:
On XXXX I received my first notice/bills from Carter Business Services , Inc ( the collection agency ) in XXXX, MA in the amount of {$1.00} for services provided on XX/XX/XXXX and {$59.00} for services provided on XX/XX/XXXX. These two notices informed me that XXXX XXXX, XXXX has released my personal and individually identifiable health information ( PHR ) to Garter Business Services in order to collect the outstanding balances. Prior to these two bills/notices I have paid all my medical bills to XXXX XXXX XXXX. I have never received any bills from XXXX XXXX, XXXX. The transfer of my personal information and PHR was done without my knowledge or my authorization and violated HIPAA regulations and Massachusetts Privacy Act. I mailed a letter to XXXX XXXX XXXX Privacy Officer on XX/XX/XXXX and requested a rescind of my all personal information and my PHR from Carter Business Services , Inc and deletion of any adverse information on my credit report. I also requested a written response within 10 days but have not received any response. 
I called Carter Business Services, Inc on XX/XX/XXXX and XX/XX/XXXX and provided them with copies of all my medical bills paid to XXXX XXXX XXXX. I also called my medical insurance, XXXX XXXX XXXX and it was confirmed that my annual deductible has been met. I disputed the claim from Carter Business Services, Inc in writing by sending them a letter dated XX/XX/XXXX and requesting a validation of the alleged debt to XXXX XXXX, XXXX. I also informed the Carter Business Services , Inc of " breach of security '' with respect to my personal information and unsecured PHR without my authorization. 
I received a written response from Carter Business Services , Inc dated XX/XX/XXXX referring to the attached paperwork as a copy of the " itemized bill ''. It had a balance of {$61.00}. The paperwork contained more sensitive individually identifiable health information ( PHR ) with names of procedures, referring doctors and medical tests conducted during the year XXXX. 
On XX/XX/XXXX I mailed my response stating that the copy of the itemized bill has no viable evidence, bearing my signature that I have any contractual obligation to pay the alleged debt. Also, Carter Business Services, Inc have not provided me with any agreement that grants them the authority to collect. 
I mailed another letter to XXXX XXXX XXXX Privacy Officer and XXXX XXXX, XXXX dated XX/XX/XXXX asking them to rescind all of my personal and PHR from Carter Business Services , Inc and requested that all adverse entries on my credit report by Carter Business Services , Inc be deleted immediately. 
Please feel free to contact me by phone at XXXX. 
Thank you. 
XXXX XXXX.

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 2018-08-12 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am asked that Carrington Mortgage re-consider they decision. As I stated, I was unaware that my payment increased to {$1200.00}, so I sent in the regular payment of {$1100.00}. Thereafter, I discovered that my XXXX payment was short and since received a late payment mark on my credit report. At this time, I contact Carrington Mortgage escrow department and they agreed that the payment might have change in error. They review my account and performed an escrow analysis. They reduced my payment as close to the original payment the following month. ( See attached escrow Analysis )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. XXXX bless you.I never applied for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX inquiries not mines XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,

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 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX  to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from XXXX XXXX XXXX stating that one of the accounts was sent to them from Citibank because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send XXXX XXXX XXXX people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that Citibank deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to XXXX XXXX XXXX and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with Citibank since they were the ones who accepted the payments. 
- And then ... I reached out to Citibank but said they couldn't help me because my account was sent to XXXX XXXX for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected XXXX XXXX was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up. 

PLEASE HELP! 
XXXX XXXX XXXX XXXX

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 2018-08-12 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: MS

Complaint narrative:
I contacted Transunion to inform them that I were a victim if their inquiries issues but representative failed to take care of it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-08-12 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: NY

Complaint narrative:
Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. God bless you.I never applied for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX  inquiries not mines XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,

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 2018-08-12 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: NY

Complaint narrative:
Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. XXXX bless you.I never applied for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX inquiries not mines XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
On XX/XX/2018 I uploaded to Experian online dispute website, a dispute to remove incorrect names listed on my credit report, stating that unverifiable names needed to be deleted, because they were no longer verifiable. The dispute came back with basically nothing done, incorrect address were not removed. 

On XX/XX/2018 I again uploaded to Experian online dispute to correct names, this time I send a notarized copy of my drivers lenience & Social Security Card. The dispute came back, including a credit report, with NO NAMES listed. 

I went on line to Experians dispute website and found, what they did was keep all the names, all they did, was flagged each name to NOT printout it my credit report. The links to the incorrect names still remained. 

The names and links from the incorrect names were NOT deleted as required by law.

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