vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I C Systems collection, is attempting to collect a debt I originally owed to XXXX XXXX XXXX. I had services with XXXX   XXXX  and they put XXXX XXXX XXXX on as internet service. The service I was getting from XXXX XXXX XXXX was so bad I couldn't keep the internet in a usable fashion. I then called XXXX XXXX and told them to cancel my contract because of poor service on internet. They did so. and cancelled my contract. Plus gave me a {$100.00} gift card for my troubles. This contract was cancelled withing a two week period. Several months went by and I got a collection notice from XXXX XXXX XXXX and I called them and told I had cancelled the contract because of poor internet service. The person from XXXX XXXX XXXX said he would clear the account and apologized. Several more months went then ICS sent notice. I had called them twice and no luck. Plus they did not want to hear my side. Since then I called XXXX XXXX XXXX several times and get promise would be taken care and I am still under collection. I tried all I know to clear this mess up but no luck. Now I am turning to 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 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex smeared my name and reputation when they hired a crook Remove me from all debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX I received the attached email from Experian. As it contains no specific information & my account website held no indication as to which account this email referred to, I found this email to be of no value other than to cause concern about my accounts or that it might be a fraudulent email. Not being able to find a functioning number for Experian or any indication as to what to look for in my account website, I deferred trying to investigate further until I had time to dedicate to this matter. XXXX I tried contacting an Experian representative for over an hour, but the number on XXXX and the Experian website ( XXXX ), the two numbers for corporate offices in the Contact Us section of the Experian website ( XXXX & XXXX ), nor the number on my Experian account website ( XXXX ) led to human contact as they were all automated numbers with no option for leaving messages. I finally found a number ( XXXX ; could not find where I found that number when preparing this complaint ) where I reached an Experian representative named XXXX. She kept repeating that this type email is a " benefit '' of my Experian account & that such emails have been sent to me many times, which is not the case as I check my email and junk mail regularly & have never received such an email before. XXXX finally determined which account this email referred to & it became obvious that account changes both credit balance & usage continually such that IF I continue to receive this type email it will be of no value & will only cause further concern. I asked to speak with XXXX 's supervisor & unfortunately, I did not note her name. The supervisor said these alerts can not be stopped without eliminating my Experian account & that other than this option I had no recourse. I told her I would have to contact the US government agency which oversees the credit bureaus. She said to do so. I reached a CFPB rep who said I could file a complaint & directed me to this procedure.

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 2020-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates, LLC XXXX XXXXX XXXX XXXX CA XXXX. 
REFERENCE NUMBER : XXXX Sir/Madam, Above company alleges that the bought XXXX XXXX and Merchant XXXX XXXX XXXX XXXX. whom I had their store credit of {$500.00} maximal. I have asked them to provided. for me the documentation of when credit limit was hack? In all their various correspondence no answer was provided. I do not recall my credit limit being extended nor was I having an expenditure for amount that the are claiming $ XXXX on a credit card that had a limit of {$500.00}.. 
Yours faithfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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:
I submitted a complaint, File # XXXX and I have not heard from this Company to date..Once Again!

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 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUN T -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint, File # XXXX and I have not heard from this Company to date..Once Again!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company, Credence Resource Management has been questioned and challenged due to the opening and validity of the debt. The credit line item does not directly reflect what type of debt that it is. The company has never communicated what specifically they are collecting and why. I have challenged this using consumer protection laws to demand proper verification of the collection account, as I am also a victim of identity theft. I have the burden of needing to monitor my credit profiles on a consistent basis because of this. 

The account was investigated, and the company was not able to verify the debt on my XXXX XXXX credit profile, and has been permanently deleted as of XX/XX/2020. 

Credence Resource Management has irresponsibly re-submitted this unverified account as a " new collection account '' on my XXXX and XXXX credit profiles as of XX/XX/2020. I believe that this company operates under very unethical practices and defaming tactics just for money. Any company that will try to damage a credit profile of a person that they have yet to fully identify as the account owner should be investigated and fined for their illegal activities. I am requesting that the CFBP properly investigate Credence Resource Management for their erroneous financial practices that effect myself and other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: MO

Complaint narrative:
This company I.C. Systems which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for IC Systems to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This company LVNV Funding which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company Midland Credit management which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
There is a medical debt collector that is reporting from Synerprise Consulting/SCS, on a closed collection account. This company is apparently trying to collect an unknown and unverified medical bill that they are reporting on my credit profile without proper and legal verification that this is indeed my debt. 

I am concerned because I was married and had a few of my ex-husbands bills sent to me inaccurately after he refused to pay them. Since this is a medical related bill, I have requested to see documentation of the HIPPA release and medical services and dates rendered to simply verify that this account is valid. This company has failed numerous times to present this information. In fact, the matter was recently investigated by XXXX and the collection item listed from this company was immediately deleted as of XX/XX/2020. 

Synerprise Consulting/SCS has failed to reach out to me in writing as requested and they continue to report this erroneous information to damage my credit profile. Their accounting and medical collections practices should be investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for IC Systems to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RGS Financial, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.SXXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and  U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please  provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: NC

Complaint narrative:
One of the names listed is wrong. Many address are wrong. Many phone numbers are wrong. A couple hard inquiries are wrong. Collections should be removed. Some account information is inaccurate.The last 4 digits of my social are wrong.

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 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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