vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: FL

Complaint narrative:
I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with Debt Recovery Solution. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been the victim of ID THEFT for years now and have fought with EQUIFAX to remove fraud accounts. EQUIFAX removed the fraud accounts. Conf # XXXX and XXXX and now the accounts are re-reporting!!! I can not get in contact with anyone who can help resolve this matter. At one time I was given the office of consumer affairs phone number to assist, but this number is no longer valid. I also can not log into myequifax.com upon begin told it would be fixed it has not!!! This is the error message I keep getting Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX and midnight ( ET ), 7 days a week. 

No one can help!!!! 
My SSN is XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: NRA Group, LLC
State: TX

Complaint narrative:
I've sent them numerous documentation to prove the errors that exist on my credit profile but to date they have not corrected any items on my report. They allowed fraud to be placed on my profile now its hurting me financially as I am not able to obtain employment as of a direct misrepresentation and errors on my credit profile. Moreover, they have allowed a credit collection company named National Recovery to place erroneous credit information on my report. I've never signed an agreement with this company nor do I owe them anything.I believe their actions are criminal at this point and I am willing to testify in any court of law to that fact.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted from my credit report. 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 2019-11-05 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: FL

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted from my credit report. 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 2019-11-05 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: Zingo Cash Illinois LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, zingo cash, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # MIDLAND FUNDING LLC # XXXX. The company responded to XXXX but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX   XXXX Visa account number is # : 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 2019-11-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Unfortunately, Citi does not provide a way to send them a secure message. I'll not " chat '' about my credit report, I'd rather send a message and receive a follow-up but Citi no longer offer this option. 

This is in regard to account ending in XXXX. 

I received my annual credit report and I notice that Citi is including a remark DRC DISP INVG COMP-CONSUM DISAGRS every month, since XX/XX/2017, until today. 

This is incorrect and abusive. For over two years Citi has been putting a remark, every month, that I have a dispute and disagree with it. 

Bad attitude like that leaves me with no option other than lowering, or stopping, the use of any Citibank services.

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 2019-11-05 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
the following hard inquiries are fraudulent.ally, 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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with Amerifinancial Solutions. I have never done business with this company. I am not liable for collection from this debt from Amerifinancial Solutions. I am not responsible for this debt with Amerifinancial Solutions. I demand request be in the form of a verified statement by a person with  original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this  matter to enforce my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
My son received XXXX from XXXX XXXX XXXX XXXX. My health insurance did not cover the XXXX which left me underinsured. The XXXX program through the CDC pays for the XXXX of the under or uninsured which was my issue. I no longer have a bill because of that but this company has placed this debt on my credit report although I owe no bill to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # XXXX XXXX XXXX # XXXX. The company responded to XXXX  but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX  are listing an account that does not belong to me. The account in question is XXXX XXXX. I have tried to get this situation resolved without anything being done and honestly looking into getting an attorney. The amount is for {$680.00}

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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with LENDING CLUB CORPORATION. I have never done business with this company. I am not liable for collection from this debt from LENDING CLUB CORPORATION. I am not responsible for this debt with LENDING CLUB CORPORATION. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
My lease with Toyota Financial Services was up so my husband and I decided to lease another vehicle with Toyota. My husband ONLY had filed for bankruptcy chapter XXXX but the lease was Not included in it. At the end we received a bill for over {$800.00} for excessive damage I knew theses charges could not be legitimate as this vehicle was barley used and we were way under the allowed amount of miles. I called them on XX/XX/19 to dispute the charges. The first person was telling me that she didnt see any bill and I didnt owe anything. I kept pushing and telling her to check with someone else because I had the bill in my hand. Then she hung up on me. I called again and spoke to someone else and he found the information and had the so called evidence reviewed. They dropped the charges down to {$150.00} and advised I would receive an updated bill in the mail within 5-7 business days. I waited and had not received the bill so again I called on XX/XX/19 and this time was told that they could not send me a bill because my husband had a bankruptcy on his account. I questioned them stating if that was he case why did they send me a $ 800+ bill in the 1st place. The agent tried to tell me they never sent me a bill. At that point I asked for a manager and I was placed on hold for over 30 minutes only for the agent to come back on the line to tell me there was no manager available. He insisted a manger would call me back. It is now XX/XX/XXXX and yet NO one has called me back. I just want to pay my final amount due but want the document showing the amount so that I can have a record of it. I have wasted over 3 hours on the phone for absolutely no resolution. I called again today XX/XX/XXXX and just keep getting transferred around and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: AZ

Complaint narrative:
My XXXXXXXX XXXX XXXX XXXXXXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : 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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I checked my personal XXXX  credit report, and I have notice negative account on my credit report that I do not have a contract with. I first contacted these furnishers of the account, with a few of them giving me the runaround. I asked them to remove their account from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical validation of the original signed consumer document. I request that you initiate an investigation into the below accounts on my credit report. If, once your investigation is complete, you find my allegation to be true, please remove the accounts and send me an updated copy of my credit report. Diversified Consultant XX/XX/2019, XXXX. If you find the account referenced above to be valid thru physical validation, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation