vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I sent a validation letter to the Phoenix Recovery Group requesting information on an account they claim I owe. They provided a respond in XXXX XXXX, 2015 to validation with an investigation of debt owed. They provided a contract of the original creditor along with a itemized sheet/description of charges. On XXXX XXXX, 2015 I responded by requesting additional information related to agency fees and additional fees. They have not provided a response to the XXXX XXXX, 2015 letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
The listing on my credit report with Quantum Collections should not be reporting on my credit. I submitted a validation request to them on XXXX XXXX, XXXX as well as disputed with the credit bureaus on XXXX XXXX, XXXX due to my validation request being undeliverable per the certified tracking. 

Finally they responded to me on XXXX XXXX, XXXX see attached response they sent me. 

The collection account listing on my report does not belong to me and the documents they sent me clearly show that they should have invoiced my wife. The " Patient Face Sheet '' that was sent to me from XXXX shows that the " Patient Name '' and the " Guarantor Name '' is my wife. Also enclosed is the Patient Ledger that they sent me even though I 'm not the patient! The only reason why my name was on any of the paperwork that they have is because my name was on the insurance card that was presented ; that does not make me financially responsible and I was not even present. In addition the bill statement date of XXXX/XXXX/XXXX for {$80.00} was clearly invoiced to my wife not to me. I did not sign any document accepting financial responsibility nor was I present. However, this company has managed to report this collection on MY credit report and refused to remove it. 

My wife offered to pay this bill in full in exchange for a deletion of the inaccurate information and they refused. 

Furthermore, they already have reported this collection on my wife 's credit reports as well. 

This inaccurate reporting is damaging my credit rating, as a result of this erroneous reporting and negligent compliance I 've been turned down for financing. Quantum has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. My good name has been tarnished and this can further cost me in my career endeavors. 

Furthermore I have reason to believe there is a HIPAA violation as her personal confidential medical information was sent to me, in response to my attempt to get this off my credit reports. Since I 'm not a financially responsible party for her to this service her private medical information should not have been sent to me. Yes, I 'm her husband but that does n't exclude her privacy rights afforded to her through the HIPAA ACT, clearly they are negligent.

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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am in the process of purchasing a home and FHA XXXX my loan type ) requires all trade lines that reflect I dispute to be removed. I called each bureau, XXXX Experian, XXXX to remove all disputes on my credit report. After several attempts Experian will not remove this dispute. I called XXXX to tell them I want a letter stating I am telling them I know longer dispute and they would not give me this letter unless I paid the account in full so that is what I did XXXX XXXX. When I received the letter all it says is they received a payment from me for {$1500.00}. Nothing that says the account is paid in full and nothing that says the trade line is no longer in dispute. My lender then sent me a letter that the credit company use says they can submit to all bureaus to remove the dispute for me. I signed and they tried with no results. At this point I can not get a loan and my husband and I are living in a hotel waiting to clear this matter. I demand that Experian update my report and I demand XXXX funding to remove that I am disputing this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I hired a company to address this issue but has not been able to rectify the issues. I sold my home in XXXX 2015. XXXX was paid in full and has sent me the documentation. The title company has confirmed with me the balance was paid in full. The bureau is stating it was legally paid for less than the amount owed. Each month it is reporting delinquency and my credit score goes down every month.

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 2015-10-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
CENTRAL FINL CONTROLACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX, CA XXXX : XXXX FAX : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX DOB XX/XX/XXXXADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to my XXXX XXXX, XXXX, Experian Credit Report the following items should have been removed : XXXX card, acct # XXXX ...., date it should have been removed XXXX XXXX. 
XXXX card, acct # XXXX ...., date it should have been removed XXXX XXXX, XXXX Card, acct # XXXX ... XXXX date it should have been removed XXXX XXXX. 
These cards were taken off of XXXX and XXXX but not Experian. Since they are past due to come off Experian, according to their report anyway, I am asking that they be removed ASAP.

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 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX decided to send information to the credit reporting bureaus and alledge medical debt ( XXXX ) in total without proper verification. This should not be on my credit report because I told them I am working with my medical insurance companies to see if the charges are correct and this debt has not been properly verified and investigated.

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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are ignoring my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Io, Inc.
State: LA

Complaint narrative:
XXXX threatened to charge mt father with identity theft and stealing my identity because he sent back a bill that had my name on it, as well as my father since I am the XXXX. I told them that I was the XXXX after they hit my credit without contact me and I had to contact them for there to be any answers or contact. Beyond that, the lady was extremely, threatening to have my father brought up on charges, calling me a liar and so on. This place is non- descript and they give you as little info as possible about who they are or what you " owe ''. XXXX said that they do not purchase debt, which I 'm almost certain is a lie and initially no one would even say where it was that I was calling, all the while asking me for personal information. In addition, I called several times and they could n't find me in the system because I am XXXX and they had XXXX ( my father ) and XXXX ( not me ) in the system. They 've now hit my credit due to their poor operation and I had no idea until I checked my credit reports and found out. From there on out XXXX has been rude and not at all trying to help me make that payment but instead chiding me, lying to me, providing a little info as possible, and asking for all my personal info.

Company response to consumer: Closed
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have been trying for months to remove false and inaccurate comments reported on an account with Experian. I have contact XXXX XXXX XXXX ( the account in question ), and have asked them to remove the incorrect comments on the tradeline stating the account was disputed previously. The account was never disputed. XXXX XXXX XXXX has informed me the have removed the comments to accurately reflect the fact there should be no comments on the report at all. The comments remain however. I have disputed the comments with Experian several times, and each time they have refused to remove the false comments. This account was never disputed and this is plainly false. Experian has been steadfast in their refusal to correct the mistake. Again, there should be ZERO comments in the XXXX XXXX XXXX tradeline. Anything suggesting otherwise is not accurate.

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 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item is a collection item. The debt that this collection agency is trying to collect on is being collected by the State of New Jersey County of XXXX & XXXX. I have included the court documentation. Please delete the entry in order to correct the information. XXXX & XXXX County is responsible for collecting the debt and they have not requested XXXX XXXX XXXX to collect on their behalf. The State of New Jersey County of XXXX & XXXX is the only collection agency for this debt. I have furnished the same information the XXXX & XXXX but they have refused to remove the entry. I have let the courts know the status of this and they are n't happy and will be doing an investigation on their own. 
Enclosed are copies of payment records and court documents supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. This is the second time that I have disputed this entry and it needs to be removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found out there was a judgment placed against me for a CC account that I never opened. Upon finding out about this judgement, I contacted the circuit court, who gave me the information of the company who filed the judgement. I finally tracked down the original company ( XXXX XXXX XXXX XXXX ) who took the account with hopes of collecting the defaulted funds. Through constant communication and filing an ID Affidavit with there company, XXXX consented verbally to XXXX to remove the fraulent account from my record. XXXX sent written correspondence for XXXX and Experian to do the same. XXXX also notified both agencies to inform them that the accounts were removed on my other reports. I, too, sent correspondence letting XXXX and Experian know as it was suggested that I do so to ensure that my credit reports reflected similar, accurate data as much as possible. XXXX reviewed the info and removed the account from my report. Experian has refused to remove the report although I have provided them with the same information I gave to XXXX, XXXX, and XXXX proving that this judgment should have never appeared on my credit reports. I do not feel like I 've received serious or effective assistance from Experian in a manner that effects my current and future livelihood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit monitoring service reported a negative change with Experian. Since my credit score is normally around XXXX i take my credit very seriously. Right away i filed a dispute with Experian online XXXX advising the account is not mine as i dont know the creditor nor do i have knowledge of any business with that entity nor ever received any bills. On XXXX Experian emailed me to advise the item remains on my credit report. Surprised, i called the company reporting the item. They quickly verified the item does not belong to me based on my SSN and DOB. I provided the contact name and extension as well as the info from the creditor they used to verify the account is not mine to Experian via phone on XXXX/XXXX/2016 to XXXX in their XXXX. She re-opened the dispute. I just got back the results today advising the item remains. How is that possible when i already verified with the creditor they show reporting the item, as well as provided details of whom there verified it is NOT my account. Experian is not doing their job properly and i need this item removed from my credit report. Experian has my SSN and DOB. Why cant they compare that against what its being reported and determine it is indeed 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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting on my credit that I owe them XXXX from back in XX/XX/XXXX but I did not open an account until XX/XX/XXXX, I feel that my identity was used without my knowledge because I do not have a balance with XXXX and still use them as my phone carrier today.

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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX has no right to be on my credit report. This same debt from XXXX Insurance company was just deleted from another company called 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 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
All three reporting companies ( XXXX, Experian, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as 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 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I properly disputed an invalid obsolete account XXXX times and the account is over 7 years old and Experian refused to properly investigate or delete. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief