vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear XXXX, Equifax, XXXX, and XXXX Thank you for sending me your internal records of the debt ( XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY LEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Dyck-O'Neal, Inc.
State: IL

Complaint narrative:
Dear Dyck O'Neal, XXXX  and, XXXX Thank you for sending me your internal records of the debt ( Dyck O'Neal ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND DYCK O'NEAL including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX  REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back in XX/XX/2020 I started a dispute regarding wrong information on my business credit with Experian Business Disputes. The wrong information that shows only on Experian Is hurting my business credit for too long now. I have already sent the paperwork with proof that the Judgment for {$1600.00}, + does not belong to our company. The name is almost similar but my firm has of course different EIN number and also everything else. Please I need help because Experian Business only replies saying they have received the Complain but does NOT remove the wrong information. Thank You very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: GA

Complaint narrative:
On XXXX XXXX I contacted XXXX services about a debt of {$760.00} that was reported on my credit report to validate the debt, the company DID NOT respond to my request at all, so I disputed the account to both XXXX, XXXX  and Experian. I first received a response from XXXX stated its not reporting to my file, XXXX  stated the debt could NOT BE VALIDATED and it has been deleted from my report. I sent a letter to Experian certified on XX/XX/XXXX tracking # XXXX asking for proof of how the debt was validated and they have ignored my request by just simply updating inaccurate information without proof of validating the debt as well as violating the FCRA by continuing to report inaccurate, unverfiable information this has been going on for months and its causing me way too much stress when they are not following the law of the FCRA. Unless they are able to provide me verifiable proof I demand the law be upheld and the account be deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
On XX/XX/2020, I received a copy of my credit report and found a collection account listed on my credit report which I believe was an error. The account was being reported by Contract Callers Inc ( CCI ) Account # XXXX in the amount of {$490.00}. I send a certified letter on XX/XX/2020 to CCI requesting validation of the debt along with a copy of my driver license, social security card and utility statement for verification as to my identity. On XX/XX/2020, CCI responding to my validation and provided a billing statement for the amount of {$490.00} addressed to XXXX XXXX, XXXX XX/XX/XXXX, service address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. Since I've never resided at the address listed on the statement provided by CCI and the name on the statement is not mine. My name is XXXX XXXX XXXX. I send another certified letter to CCI dated XX/XX/2020, again requesting validation of debt and to provide documentation, i.e. contract, application, records of payment, delivery of addresses associated with the account, and signature on application of the account. On XX/XX/2020, CCI again just send another response same as before with the same copy of the previous statement. I send another certified letter on XX/XX/2020 to CCI advising them that I believed that they have violated my consumer rights in the following ways : -Failed to validate a debt at my request - FDCPA violation -Continued to report a disputed debt to the CRA - FCRA violation -Continued to attempt to collect a disputed debt - FDCPA violation -Ignored my cease and desist - FDCPA violation As of today, XX/XX/2020, CCI has not replied to my requested dated XX/XX/2020.

On XX/XX/2020 I send another certified letter to CCI, again requested validation of debt and advising them that they have ignored my prior requests for validation of debt. As of today XX/XX/2020, CCI has fail to reply. 
On XX/XX/2020, I send my final letter to CCI advising them that despite my previous written requests, the unverified/unvalidated debt still remains on my credit report in violation of Federal 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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I made 3 separate purchases with my card from ALLY bank. These were all from the same merchant XXXX XXXX XXXX. The first purchase was for {$570.00} on XX/XX/2020. The second purchase was for {$2100.00} on XX/XX/2020. The third purchase was for {$2900.00} on XX/XX/2020. These purchases were never received or even shipped out. I was billed for merchandise I have never received. Under the Fair Credit Billing act, I am legally allowed a reversal of the charges from these funds since I have never received them. I opened a dispute with my bank ALLY and they never allowed me to talk to the dispute team one time to explain my situation. They denied my dispute and did not give me any funds back. I was unfairly billed for merchandise I have never received. I contacted the merchant several times and was only given a response one time. The merchant said " We have responded to your dispute in order for you to win what is a valid dispute. '' Ally then sent me a letter a month later in late XXXX stating that a refund will not be given. I have been trying to call Ally for a month now in order to reach the dispute team but have failed every time. I have taken all the actions necessary to win this dispute. Ally is not helping their customer at all. I would really appreciate if someone else could step in and investigate. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Collection Service has placed on my credit report a Collection account without notifying me. I contacted them and they said that they were collecting on behalf of XXXX  and that they emailed me and sent a letter to my home. We could not located the email and a letter was never sent to my home. They refused to resend it. I contacted XXXX  regarding any bill that I had and I paid them directly. I was advised by XXXX XXXX at Sunrise  Collection Services that the negative credit would be removed by XXXX. They would not provide this in writing, therefore I am not comfortable with the promise of deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following information and accounts do not belong to me. 
I have been a victim of identity theft. 
I need this matter to be investigated by credit bureaus and all the following accounts and inquiries to be removed from my credit account and credit report immediately. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX  Account # XXXX 3 ) XXXX  Account # XXXX 4 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXX 5 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 6 ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX 8 ) XXXX  XXXX ( Original Creditor : 08 XXXX XXXXXXXX ) Account # XXXX 9 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX 10 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) Account # XXXX 11 ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX Account # XXXX 14 ) XXXX  XXXX Account # XXXX 15 ) XXXX  Account # XXXX 16 ) XXXX  Account # XXXX 17 ) XXXX  Account # XXXX Inquiries : -XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following information and accounts do not belong to me. 
I have been a victim of identity theft. 
I need this matter to be investigated by credit bureaus and all the following accounts and inquiries to be removed from my credit account and credit report immediately. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX  Account # XXXX 3 ) XXXX  Account # XXXX 4 ) XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX 5 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 6 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 7 ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Account # XXXX 8 ) XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) Account # XXXX 9 ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 10 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   ) Account # XXXX 11 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX Account # XXXX 14 ) XXXX  XXXX Account # XXXX 15 ) XXXX  Account # XXXX 16 ) XXXX  Account # XXXX 17 ) XXXX Account # XXXX Inquiries : -XXXX XXXX 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 explanation
Consumer complaint received 2020-12-04 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2016, {$1300.00}, and Wells Fargo reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my Wells Fargo credit. Paid them as well as Wells Fargo call me then paid them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been getting charged for a card security program greater than 10 % of the entire balance charged. I never authorized this optional program. I told the representative months back when I called to remove me, now when I call back the representative says I had to call within 90 days. The salesman at Discoint Tire tried to deceptively add warranties I didnt want and now I got this program added somehow. Very disappointed by this experience, feel very abused by Synchrony.

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 monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: WI

Complaint narrative:
Today approximately XXXX I had a missed call from an unknown number. 3 min later a family member called to notify me of an important documents needing to be served and to call XXXX with reference number XXXX. At XXXX I was having lunch with my children, whom overheard the entire conversation. I was on the phone ( for 37 min. ) with a person who called themselves XXXX XXXX from XXXX XXXX. He had quite a bit of information on me, claimed I was " part of a lawsuit '' with US BANK for an unpaid amount of {$3.00}, XXXX and they were going forward with it. He said he could contact someone on my behalf to see if they will accept a payment, since I hadn't been served yet. He had me on hold a few times with back ground music. He claimed they accepted my settlement offer and that I had two options. I could either make 3 monthly payments of {$1.00}, XXXX, or pay one settled lump some of {$970.00} today. I felt panicked, scared and under pressure. I felt i had no choice to pay the XXXX out of fear. He got my debit card information and had me sign some documents via email through an online signature website. It wasnt until I got home to over look the confirmation emails and realized the full amount of the " amount owed '' was different than what he told me. 

I have two emails from him, both different accounts with two different names used. Ive gathered some information on him and previous scams that describe this exact situation with the same people via XXXX They claim to be XXXX XXXX, with no address or phone number. Only a fax number of XXXX XXXX XXXX XXXX. The " personal '' email address he claimed was his was XXXX. The email he used to collect my signatures was from XXXX XXXX at XXXX. They used XXXX. 

The other phone number of XXXX XXXX is XXXX. 

According to other reports, another business number is XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX other names used were 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 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
NTL Recovery Agency, XXXX XXXX XXXX, XXXX, PA XXXX has made a derogatory claim against me for not paying the sum of {$260.00} to XXXX  XXXX. I contacted them by telephone on XX/XX/2020 and attempted to explain that I have never received a writing from their company to provide me with an opportunity to verify the accuracy of their allegations, that I am not indebted to XXXX  XXXX, I am not indebted to NTL Recovery and they have damaged my credit standing by falsely alleging that I am delinquent on a debt which I am not obligated to pay. 

They told me that I can either pay the debt or sue them. I asked for a supervisor. They kept me on hold for about twenty minutes, then disconnected the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: WA

Complaint narrative:
I took out a loan With Summit Financial in XXXX.I now realized they are not liscened in Washington State. I made 1 payment. I reached out to them about paying back remaining principal only. Over 6 months time.Only response I get is that payments are late and they will go after me basically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2016, {$1300.00}, and XXXX XXXX reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my XXXX XXXX credit. Paid them as well as XXXX XXXX call me then paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: NJ

Complaint narrative:
XX/XX/2016, {$1300.00}, and XXXX XXXX reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my XXXX XXXX credit. Paid them as well as XXXX XXXX call me then paid them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation