vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX with the XXXX XXXX XXXX account number XXXX. This company tries to charge me on the equipments I already sent them back through XXXX. They provided me with a email that how I can send my equipment and I did exactly what they did. But after a while I saw a report on my credit report that I owe them money for the equipments. I showed the collection agency the tracking number and the case was removed from my credit report. But now again same report appeared with different collection agency for the same account again. Now I am not in the position of the tracking number after a year but Im sure the ups store does have the tracking number since they have contract with them. This act is a fraud because they want to charge me for something I already paid them back. I canceled their service after a week I used their service because of poor connection I had with XXXX XXXX XXXX. They also opened two account under same device for the same apartment number. They promised to escalate the process for me but every time I call them they wont get any result from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: RI

Complaint narrative:
I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are transunion 1. XX/XX/XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX equifax 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
COMMONWEALTH FINANCIAL SYSTEMS IS IN VIOLATION OF THE FDCPA AND THE HIPPA LAWS FOR REPORTING ON A FRAUDULENT ACCOUNT AND ALSO FOR SHARING FRAUDULENT MEDICAL INFORMATION PUBLICLY! I HAVE NEVER GAVE COMMONWEALTH FINANCIAL SYSTEMS PERMISSION TO SHARE ANY OF MY PERSONAL INFORMATION AND THEY ARE TARNISHING MY NAME AND ALSO DAMAGING MY CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I financed a car thru American Credit Acceptance. When I  purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called ( XX/XX/XXXX ) my  finance ( American Credit Acceptance ) company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: RI

Complaint narrative:
I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are transunion 1.  XX/XX/XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX   XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/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 2019-10-10 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: RI

Complaint narrative:
I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are XXXX 1. XX/XX/XXXX XXXX XXXX XXXX  XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX  equifax 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: CO

Complaint narrative:
I submitted a previous complaint, but it was closed without follow-up or conclusion. TransUnion is reporting an account that is past the 7 year limit with an incorrect opening date of 2014. I did not open any student loans in 2014. TransUnion is not requiring proof of information when they conduct their investigations, and they refused to provide me with the verification of accuracy when I called them. They just told me it was verified but that they could not send me the documentation.

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 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter. 
In today 's day in age, people are nosy and almost everyone has access to the internet. 
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields. 
Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws. 
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out. 
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency.

This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now.

I will consider not perusing legal action against XXXX if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX. 
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation. 
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I financed a car thru XXXX XXXX XXXX. When I purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called XXXX XX/XX/XXXX XXXX my finance XXXX XXXX XXXX XXXX XXXX company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything

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 2019-10-10 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: AZ

Complaint narrative:
The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP   insurance that I took out when I purchased the vehicle. Santander has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.

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 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.

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 2019-10-10 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

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 2019-10-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
1. I legally changed my name which was effective XX/XX/2019. I changed it from XXXX XXXX XXXX to XXXX XXXX XXXX 2. XX/XX/2019, my husband and I tried to apply for a mortgage, but there was a refusal on the behalf of Equifax because of the name change. 
3. I contacted them and they requested a copy of the legal order, new social security card, and driver 's license to be faxed to them. Since we do not have a fax machine, our mortgage officer faxed the documents to them on XX/XX/2019. 
4. These documents were obviously received because they started an action on their end is that they used my oldest daughter 's, XXXX XXXX, credit information and attempted to change her name to XXXX XXXX XXXX. Thankfully the only thing they changed was her address to my address. This disturbs me because at no time was XXXXXXXX XXXX social security number or information given to them and her credit file should never have been accessed or changed. 
5. I called them on the mistake and they are saying now that they never received the documents, which I told them was a lie because they initiated an erroneous action. My name has yet to be changed on my credit report and obviously, I am a little hesitant to fax them my social security card and driver 's license again because that is sensitive information that they mishandled everything and lost the first set it seems after they made the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I had a collection account with CCI from a utility company from a house I rented I found out about this when I checked my credit report in XX/XX/2019. I never received a dunning letter from them and when I seen it on my reports I contacted them about it. I called them 4 or 5 times and everytime I told them the only way it would benefit me to pay it is if they removed it from my reports that i had moved to a another state and would never have any service with that company again. The last time I called they told me they would remove it from my reports and it's been over 6 months and it's still on them. I called back about a month ago and was told they don't remove things from reports. So I was lied to and It is an unfair collection practice for a debt collector to make false representations. FDCPA 807. This is the only bad thing I have on my reports and I didn't even know I owed the company anything I filed a forwarding address with the post office and I never received anything saying I owed this or I would have paid it. And CCI had my address also and never sent me anything before putting it on my reports.

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 2019-10-10 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: NJ

Complaint narrative:
Trans Union is reporting late charges on accounts that are closed and r paid. XXXX XXXX XXXX XXXX I paid them off half deal they made with me XXXX XXXX XXXX years old account that is closed saying Iam late the XXXX office has been giving me problems since I started fixing my credit. They dont like people on disibility its not my problem but discrimination is!!!

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 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services has placed a collection notice on my credit report regarding a medical bill I have received no information about to date. I have tried to dispute with credit agency and have had no results. It seems Credit Collection Services is a third party collection agency in attempts to collect a debt. I have requested that Credit Collection Services provide debt validation for the account number listed on credit report. I will require the Debt validation in the form of an original bill and detailed statement of procedures. Also, I requested that if the debt validation is not received within 30 days from receipt of the request. If Credit Collection Services can not provide adequate validation within the 30-day time frame, all debts should be immediately removed from all three major credit reports. This is also a violation of the HIPPA and privacy laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX is reporting late charges on accounts that are closed and r paid. XXXX XXXX XXXX XXXX I paid them off half deal they made with me XXXX XXXX 6 years old account that is closed saying Iam late the XXXX  office has been giving me problems since I started fixing my credit. They dont like people on disibility its not my problem but discrimination is!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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:
I am writing this Due to noncompliance with the CRA Equifax. They failed to remove information that was Affiliated with personal information and Details that were challenged in the past. I strongly believe that they are in violation of the FCRA And out right refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: GREAT LAKES
State: GA

Complaint narrative:
I am writing this due to the non-compliance with the CRA XXXX. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: GA

Complaint narrative:
I am writing this due to the non-compliance with the CRA Experian. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the 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