vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Just want to express that I am very concern and upset at this point. I havent had any response from American Express. I have been trying to solve this issue since XXXX of this year, and nothing has happened. 

I am complaining that American Express has done the following against the California Credit Reporting Act, and against my rights as a consumer : 1. Reporting different information across bureaus. 
2. Reporting incomplete information. 
3. Negligence 4. Unfair business practices, and some other violations. 

I want the following item to be completely removed from my credit report : the American Express account XXXX, opened XX/XX/2017 ; closed. 

Please send the attached documentation to American Express. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CORELOGIC INC
State: GA

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. Also, why did you not send me copies of the verification like I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). You have NOT provided me a copy of ANY o
riginal documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Account : XXXX XXXX Amount :  {$19000.00}

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 2020-05-25 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: LEXISNEXIS
State: GA

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. Also, why did you not send me copies of the verification like I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Account : XXXX XXXX Amount :  {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
Bill was to be paid by insurance due to car accident. Received notice that insurance did not pay and so I made arrangements to pay company directly. Balance was paid in full to the company that I received service from. Collection agency was not involved in payment and should not have reported on my credit. Original creditor agreed to contact collection agency to remove any negative marks due to them reporting on my credit inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC
State: NC

Complaint narrative:
I sent a validation letter to PMAB thst was received in their office on XX/XX/2020. They sent me a response back and it contained some very sensitive information ( HIPAA violation ) I didnt receive and signed consent documentation. They went as far as changing the account numbers on the correspondence to a number other than what they are reporting on my credit report with all 3 Bureaus. The amounts they are reporting are the same but the illegally changed the number bc they knew I was disputing the validity of the debt. I have file a complaint with the XXXX  and I am also in the process of consulting legal counsel. This company is awful and are their business practices are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Forster & Garbus LLP
State: NM

Complaint narrative:
A company named Forster and Garbus garnished my wages for a debt that is not mine. I was never informed of this either. My employer showed me a paper and it showed an address I havent lived at for years. I called the company and they were demanding my personal info and said they wouldnt help me if I didnt give them my info so I hung up. The paper my employer showed me was from 2007 and it was my maiden name. I was already married in 2007. I have no debt in my credit report I am in debt consolidation and pay all of my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Between XX/XX/XXXX-XX/XX/XXXX my credit limit was taken away by three credit card companies. 

I lost {$34000.00} in my credit limit in 3 days XXXX XXXX Visa Card XXXX XXXX Citi AAdvantage Visa XXXX XXXX Citi XXXX Card XXXX XXXX I pay my balances on time 100 %. I was never late in payment I have no charge-off accounts. I have 28+ year excellent credit history I was not using more than 15 to 25 % of the balances on the cards None of these companies will restore my credit They based their decision on false information on my credit report which was removed on XX/XX/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 2020-05-25 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: SC

Complaint narrative:
as per the Fair Credit Reporting Act ( FCRA ) section 609 the  credit reporting agencies have failed to remove outdated or unverified negative items from my credit report. Nor has the credit reporting agency nor collections agency have supplied to documented proof of the debt. Instead they rendered comments via my credit report such as : Dispute resolved reported by grantor, Account Previously In Dispute - Now Resolved - Reported By Subscriber, and Consumer disputes this account information Collection account Account previously in dispute - now resolved by data furnisher I had reported the fraud several times and no response and it is causing a gross impact on my credit worthiness. I have credit lines and have never missed a payments. I did not open this account nor did i agree to this service, my information was used in a fraudulent manner

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 2020-05-25 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:
Ive been a victim of identity of theft, accounts attached does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case.  I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Integrated Asset Recovery LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PayPal has closed my account because they alleged that I wrote 2 checks that were returned on XX/XX/2019 in the amount of {$49.00} and {$35.00} on XX/XX/2019. This allegation is false and has been reported to the 3 credit bureaus and has adversely affected My credit report and rating. I checked my bank account and there have been no returned checks from PayPal and they have submitted erroneous information to the 3 credit bureaus.

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 2020-05-25 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: SC

Complaint narrative:
as per the Fair Credit Reporting Act ( FCRA ) section 609 the credit reporting agencies have failed to remove outdated or unverified negative items from my credit report. Nor has the credit reporting agency nor collections agency have supplied to documented proof of the debt. Instead they rendered comments via my credit report such as : Dispute resolved reported by grantor, Account Previously In Dispute - Now Resolved - Reported By Subscriber, and Consumer disputes this account information Collection account Account previously in dispute - now resolved by data furnisher I had reported the fraud several times and no response and it is causing a gross impact on my credit worthiness. I have credit lines and have never missed a payments. I did not open this account nor did i agree to this service, my information was used in a fraudulent manner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX my credit limit was taken away CHASE Freedom XXXX Card. I lost from them {$9000.00} in credit in 1 day. I always pay my balances on time 100 %. I was never late in payments. I have no charge-off accounts. I have 28+ year excellent credit history overall, and I was not using more than 35 % of the balance on the card. They based their decision on false information on my credit report which was removed on XX/XX/XXXX. 

Chase Freedom Visa Card XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CA

Complaint narrative:
Ive been a victim of identity of theft, accounts attached does not belong to me

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 2020-05-25 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: CA

Complaint narrative:
Ive been a victim of identity of theft, accounts attached does not belong to me

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 2020-05-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX  loan and credit card ... .is not being reported as agreed and ontime I have had a balance increase and rendered extra payments to lower my balance. The account needs to reported monthtly and on time as agreed upon within the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I sent a Debt Validation letter to Paragon Revenue Group and the sign and received it in their office on XX/XX/2020. I received correspondence from them and they did not validate the debt. They sent me a lot of printouts with very personal information that violated my medical rights. ( HIPAA ) No release forms or anything showing I consented to any of this. I am appalled that this is the way they are practicing in their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 I started receiving letters from American Express stating that Using Amex cards by me family members or business partners is not permitted in an establishment where the card member is n employee, owner, family member of the merchant or an authorized signer on the merchant account The use of the cards in these instances is considered a breach of the merchant agreement and consequently is not permitted. 

I here say n admit that I never used my cards in n establishment where iam or my card members are owner or partners or family members or authorized users on any of the merchants accounts Further more there was never an agreement with Amex by having there card to use That i will be breaching anything in such circumstances if it were even thru which is not Thus Amex rebilled me disputes that was concluded in my favor going back 11 months of various merchants Totaling {$160000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX  loan and credit card ... .is not being reported as agreed and ontime I have had a balance increase and rendered extra payments to lower my balance. The account needs to reported monthtly and on time as agreed upon within the contract.

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 2020-05-25 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: SC

Complaint narrative:
XXXX XXXX  loan and credit card ... .is not being reported as agreed and ontime I have had a balance increase and rendered extra payments to lower my balance. The account needs to reported monthtly and on time as agreed upon within the contract.

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 2020-05-25 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: SC

Complaint narrative:
XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years

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