vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Recovery Corporation
State: CA

Complaint narrative:
I keep getting calls from different numbers, claiming that they're XXXX XXXX XXXX XXXX and are collecting debt on behalf of XXXX XXXX XXXX. I haven't received a letter of validation for my debt. They did not even disclose how much I owe. I haven't even received an email, which I know XXXX XXXX has my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am writing to request assistance with Navient. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score.

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately.

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
My XXXX XXXX contract number : XXXX The gym, XXXX XXXX, continued to charge my credit card after hurricane Mara hit XXXX XXXX on XX/XX/XXXX ; a hurricane category 4 that caused widespread destruction and left the island without electricity. After the gym reopened in XXXX they stopped charging my credit card, causing my account to be delinquent. The credit card company had not blocked the charges ; XXXX just stopped charging my account and eventually referred me to a collection agency. 
It seems that indeed I was wrongfully reported to the credit agencies because even though on XX/XX/18 I made the payment for the months that XXXX said I owed, I received calls from the collection agency on XX/XX/XXXX and XX/XX/XXXX. On those 2 occasions I informed the person that I did not owe anything to XXXX and, after checking, they admitted that I was right. On XX/XX/XXXX I received 2 calls from that agency ; the first one was to check if I was at home because I was going to receive a subpoena to seize assets for the outstanding balance with XXXX, and the second one was to say that they made a mistake. On that call I forbid them to ever call me again. 
On XX/XX/XXXX I sent an email asking for the name and address of their collection agency. I am still waiting for the information. 
On XX/XX/XXXX, my lawyer sent XXXX management a letter via email requesting the same information reply has been received. 
Included below are : the contract with XXXX, the emails relating to requests of information, and the ones that indicate the name and postal address of the gym and the telephone number of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OR

Complaint narrative:
AFNI has reported to XXXX that we owe {$250.00} to XXXX XXXX XXXX but we do not have any past due amount on our XXXX XXXX XXXX bill, our bill is current. I initially noticed that AFNI was reporting this debt to all 3 credit bureaus but I disputed it a few years ago and XXXX   and XXXX both removed it from my credit because it is not a valid debt. I have disputed it with XXXX but AFNI claims that that the debt is mine despite sending them our current XXXX XXXX XXXX bill with my phone number clearly shown. 

AFNI has a terrible reputation for trying to collect on debts that are not valid and I believe they are trying to scam me into paying them {$250.00} for a bill that I do not owe. 

I am happy to submit our current XXXX XXXX XXXX bill to prove that we do not owe them {$250.00}. Not only that, I am quite certain that XXXX XXXX XXXX would have cancelled or suspended our phone service if we truly owed them this money. We have had our phone service with XXXX XXXX XXXX since 2007 with the same phone numbers and XXXX XXXX XXXX can verify this. There is no way we could owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request assistance with XXXX. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately. 

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to request assistance with XXXX. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately. 

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2018-05-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT EXPERIAN REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL

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 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CO

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to  confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. 

Debt information : Amount : {$350.00} Creditor : XXXX-already paid Collection Agency : XXXX XXXX XXXX ( ERC ) # XXXX phone for ERC XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX and XXXX its hard to focus and deal with this situation. Its not my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I called Transunion a few weeks ago and tried to get unauthorized inquiries removed from my credit report and the customer serviced agent was not very helpful at all. There are a total of 17.

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 2018-05-09 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Creditor XXXX XXXX XXXX is unreachable in response to a collection amount of {$720.00} reported on my credit as of XX/XX/XXXX 

I am unaware of this debt and and am in process of home loan qualification and I need assistance to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: NJ

Complaint narrative:
I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX and XXXX its hard to focus and deal with this situation. Its not my 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 2018-05-09 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: NJ

Complaint narrative:
I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX  and XXXX its hard to focus and deal with this situation. Its not my 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 2018-05-09 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: MT

Complaint narrative:
I had a home lender pull my credit report and transunion has mine and my XXXX brothers student loans in together. I called to dispute it 8 times and they still didnt get that I was the XXXX disputing this to get my brother off my report. I received a letter from transunion Monday addressed to my XXXX   brother who doesn't live anywhere close to this state.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
XXXX XX/XX/2017 a collection appeared on my report. its not mines.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
XXXX XX/XX/2017 a collection appeared on my report. its not mines.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
iq data i never lived in XXXX new jersey. XXXX i never owed and this is not my debt. this is illegal i suffer from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX and Experian has continue to break the law knowlly. XXXX XXXX XXXX are suppose to be collecting on a so called debt for XXXX XXXX. I have asked XXXX XXXX for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
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 in a fraudulent account. 


Experian has failed to properly validate these accounts. Experian has admitted to go off the word of the companies. Per our conversation I had with a Experian rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. Experian does not have any documentation of these accounts to let them report on my credit report. 

Experian does not have the right to continue to report any XXXX XXXX   accounts on my credit report. 

XXXX deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow 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
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX2017 XXXX they called and harrased me. im suffering from XXXX. this is not mines. i can barely read or right

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/12017 XXXX they called and harrased me. im suffering from XXXX. this is not mines. i can 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 2018-05-09 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: AZ

Complaint narrative:
XXXX XXXX XXXX and XXXX has continue to break the law knowlly. XXXX XXXX XXXX are suppose to be collecting on a so called debt for XXXX XXXX. I have asked XXXX XXXX for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
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 in a fraudulent account. 


XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report. 

XXXX does not have the right to continue to report any XXXX XXXX   accounts on my credit report. 

XXXX  deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow 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 explanation
Consumer complaint received 2018-05-09 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates and XXXX has continue to break the law knowlly. Portfolio recover associate are suppose to be collecting on a so called debt for XXXX  XXXX. I have asked Portfolio recovers for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
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 in a fraudulent account. 


XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report. 

XXXX does not have the right to continue to report any Portfolio recovery accounts on my credit report. 

XXXX  deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act Section, 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report.

Company response to consumer: Closed with explanation