vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
This debt collection agency continues to call and harass me all hours and send notifications by mail. This " debt '' is over 7 years old. Resolved. 
I have asked repeatedly to quit calling and mainly how did they get my number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XX/XX/2018 I disputed this account with WFDS of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX/XXXX  or XXXX or even WFDS during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. 

I requested this information from WFDS as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 
1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.WFDS was unsuccessful in providing me with this information after my request on XX/XX/2018. WFDS was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since WFDS failed to comply with the proper consumer protection laws.

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 2019-03-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Back in XX/XX/2018 I disputed this account with XXXX  with Experian in the amount of of {$8200.00} and Experian. Experian told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and Experian has violated FCRA 611. I requested that Experian not use e-oscar for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from Experian even XXXX during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from XXXX as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.XXXX was unsuccessful in providing me with this information after my request on XX/XX/2018. XXXX was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since XXXX failed to comply with the proper consumer protection laws.

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 2019-03-08 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XX/XX/2018 I disputed this account with WFDS with XXXX in the amount of of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and XXXX has violated FCRA 611. I requested that XXXX not use e-oscar for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX even WFDS during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from WFDS as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.WFDS was  unsuccessful in providing me with this information after my request on XX/XX/2018. WFDS was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since WFDS failed to comply with the proper consumer protection laws.

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 2019-03-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in XX/XX/2018 I disputed this account with XXXX with XXXX  in the amount of of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and XXXX has violated FCRA 611. I requested that XXXX not use XXXX  for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX even XXXX during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from XXXX  as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.XXXX was unsuccessful in providing me with this information after my request on XX/XX/2018. XXXX was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since XXXX failed to comply with the proper consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My ex boyfriend stole my XXXX card and went and spend almost 200 dollars off of it and I started getting bills and I never once used the card. He stole XXXX when we broke up and spent alot on it and I cant pay them back as I'm a single mom and barely make anything. Please help me it has made my credit go from never having credit to horrible and poor credit and I cant do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: WA

Complaint narrative:
First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. XXXX # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM. 

This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX Agent, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to XXXX for 90+ days. XXXX Agent verified this with me, via phone. No calls, no letters, nada. Until a collections letter from Pinnacle Credit, LLC. 

XXXX sold the original account, to Pinnacle Credit Services , LLC, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt. 

Pinnacle Credit Services , LLC, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA. 

The latest servicer is XXXX XXXX XXXX, who responded to my previous CFPB complaint, that they would not contact me. 

But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing. 

As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever. 

If Pinnacle Credit Services , LLC. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-08 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-08 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-08 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: 1st Franklin Financial Corporation
State: FL

Complaint narrative:
This complaint is in response to a previous complaint ending in XXXX. 1st Franklin 's response is unacceptable under the FCRA ; thus, they're in violation of it. Computer printouts ( and them circling boxes on there ) means nothing under the law and ARE NOT acceptable or viable means of verifying or validating an account or inquiry. They are REQUIRED to provide me with a document with my actual signature on it or else remove the inquiry, as ALL items on a consumer 's credit report must be verified / validated with original documentation BEARING THE CONSUMER 'S SIGNATURE. This is law. If they do not provide this, then they need to immediately delete that inquiry reported in my credit files for XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Clarity Services
State: FL

Complaint narrative:
Per my previous complaint ending in XXXX, I still have no clue what Clarity Services is talking about! There's an inquiry that's still illegally reporting in my credit file. They are required under consumer law -- under the FCRA & FDCPA -- to provide me with original signed documentation bearing my actual signature that verifies / validates the inquiry! They are currently under violation of the law. If Clarity does not provide me with this REQUIRED DOCUMENTATION, then they MUST DELETE that inquiry from my credit reports! I've attached my ID. I am submitting my complaints here -- nobody should be contacting me elsewhere! Provide me with what I'm supposed to get! If you do not, then you need to delete that inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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 have several fraudulent inquiries and inaccuracies on my credit report : Experian FRAUD INQUIRIES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX EXPERIAN INNACCURACIES : - Accounts Ever Late : 2 - Time Since Negative : 1 year 3 month Experian FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX  - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX - XXXX XXXX Fraudulent Accounts : - XXXX - XXXX - XXXX  XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX - XXXX XXXX FRAUD INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Fraudulent Accounts : - 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 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.

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 2019-03-08 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: FL

Complaint narrative:
There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.

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 2019-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
The Mortgage company lied, reported me on my credit report for miss- 2 payments. They know I didn't, but won't remove the lie. My credit score has dropped and I can't refinance my home loan.

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 2019-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There is an account reported on my credit file with Synchrony/Walmart XXXX I believe to be over the statue of limitations. I can not get proper documentation from anyone showing a true payment history.

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 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I paid approximately {$940.00} directly to the medical office that I owed for a bill that was being collected through Bull City Financial Services. I was told by the medical office that they would immediately notify the debt collector. After about two month of them continuing to report this on my credit, I sent a XXXX   dispute and the final result was the collector reporting that the bill and amount owed were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: FL

Complaint narrative:
Transunion report number XXXX I have notified Transunion in my dispute letter that they are in violation per FCRA and FDCPA guidelines by reporting XXXX XXXX XXXX and XXXX   XXXX XXXX  on my credit report.These accounts are inaccurate and must remove for violation. 
I do not understand how its Transunion opinion that these accounts are reporting accurate when I have notified them and shown proof base on my factual base dispute letter that they are in violation and the inaccurate accounts must be remove Transunion get paid to report accurate and complete information, yet they are in violation per FCRA and FDCPA as they continue report such blatant inaccuracies on my credit report.

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