vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 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, XXXX. 
XXXX XXXX XXXX XXXX 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 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 2019-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
On XX/XX/XXXX I decided to request my free credit reports and noticed that there were charges from a medical collections agency, Grant and Weber, on behalf of XXXX XXXX XXXX, on my credit history report that are detrimental to my score. There are several items to consider on this. 
1 ) Negligence in informing me of this. I never received notification that this was on my credit history 2 ) The one phone call I got from this company - I provided the necessary information for them to contact my insurance, XXXX XXXX. I have always been fully insured and have never incurred any medical expenses that were not covered by my insurance. 
3 ) I have disputed these charges already and yet continue to see them in my credit history Here is the information on these two disputed charges gleaned from the credit report : GRANT & WEBER # XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< GRANT & WEBER XXXX XXXX XXXX XXXX XXXX  XXXX MAIL RETURN XX/XX/XXXX XXXX, CA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$330.00} Date Updated : XX/XX/XXXX Original Amount : {$290.00} Original Creditor : XXXX XXXX I strongly request that these charges be immediately removed from my credit history. This is impacting my ability to have a FICO score that reflects who I am : a law abiding citizen who responsibly takes care of her debt and financial responsibilities. It is negatively impacting my ability to receive the best interests rates on loans and therefore this gross negligent behavior from Grant and Weber is having a negative impact on my economic status and potential as a consumer. Grant and Weber should have contacted me - and show proof of contact - prior to placing these and ignoring my request to remove them. Grant and Weber has the insurance company, XXXX XXXX information, on file to handle these internal disputes between medical groups - it is highly inappropriate to have used me - and injured my credit history - in their collection process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
There is no option on the website for when I make an over-payment to have it not advance the due date. So every time I try to apply the payment to the principle it goes toward the next months amount owed. I have called several times now. The last time i called they forced me out of auto debit stating that they could fix it if I was not auto debited. It has been 13 days since then and nothing has been fixed. I owe more money in intrest now that im out of auto debit and they have still not fixed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE :XX/XX/2019 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 DDUpon 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, XXXX. 
XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2019-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/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 DDUpon 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, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
This is now my third complaint about this same matter, as the past two complaints I've filed against XXXX received a response from the XXXX  of which they admit to violating my rights under the FCRA and FDCPA. As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account. In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law. As of today, I have now sent a complaint to the Colorado Attorney General, and will continue to pursue legal action if they continue violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was not able to receive assistance from Equifax on creating and accessing an online account. I failed my identity check and was very concerned that someone had stolen my identify. 

I immediately called their provided phone number to setup a credit freeze and renew my fraud alert. 

The first representative was ( I think ) helpful. According to her, I was able to setup the credit freeze and fraud alert. However, strangely, I setup XXXX XXXX the following business day. XXXX XXXX hit the credit freeze I setup with XXXX XXXX ( same day as Equifax ), but did not hit the credit freeze for Equifax. This leads me to believe Equifax did not faithfully carry out its responsibilities under the FCRA. 

I was transferred at least 5 times with each individual apologizing that they did not have access to help me get into my online account. When I asked for a phone number from 3 of the 5 representatives : One representative gave me the general customer number, XXXX, which was not helpful. 
Second representative gave me the following number, XXXX, which the final representative I spoke with mentioned they could not find that number listed in their directory - not helpful. 
The final representative then gave me XXXX. This is one digit off, which I question is a working number. 

On top of all this, I was speaking to people that were in the XXXX. However, I judged this based on my experience with the accent. The final representative was not intelligible. I had to repeat what I thought she said to confirm whether what I heard was correct. Considering the sensitive information citizens have to provide, why wouldn't you spend the necessary money to hire good ol' fashioned Americans?? 

And when will we finally receive proper protections from these American credit reporting agencies that seemingly have no regard for the well being of Americans? At minimum, shut down Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CO

Complaint narrative:
Deposited {$3000.00} via ACH from my XXXX XXXX XXXX to my netspend account, as well as other cash deposits. This took place XXXX of XXXX. After a few months of not using my account I called to close it. Netspend representatives agreed to close it and send me a check of my balance which was my initial ach deposit plus money from my other cash deposits. I was never sent a check and my card was cancelled, giving me no way to access my funds. Months of calling and I was finally able to reach a representative who would help me named XXXX. On XX/XX/XXXX she reportedly arranged to have netspend ach transfer me back my initial {$3000.00} deposit. The money never reached my account and now netspend is saying the transfer was successfully completed. I have spoken to my bank XXXX XXXX about this and they have told me to take legal action as no incoming transfers to my bank took place. Netspend has taken over {$3000.00} of my money. I have given them 5 months to return my money and hours of calling with no success, the only other option is legal action now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I moved into an apartment called XXXX  XXXX XXXX  XXXX, and signed a lease with this apartments, sometime around when I moved out this apartments renamed themselves to XXXX   XXXX XXXX XXXX. after moving out the apartments said that I owed them money, which I don't agree but they say that I owed them a months rent, as well as late fees, and clean up fees. this amount they claim I owed was XXXX At some time after this they sold this debt to IQ Data International and this company repeatedly called me to collect this debt. 

Finally I got a lawyer to try and settle this debt, and they have sent a letter requesting an amount to pay, this amount includes interest, as well as a statement saying I would be charged annual interest at 6 %. 

I had never agreed to pay any interest to the apartment complex or IQ data systems. 

However the amount reflected on my credit report is much higher than the amount the apartment complex has said that I owe them. 

The IQ Data Intonational has apparently decided upon themselves to charge me interest as well as put this on my credit report, which is showing I owe around XXXX dollars which is well over the amount the apartment complex says that I owe as well above any amount this IQ data international company would be able to prove i owe with any debt validation letter or statement. They have just decided they can charge whatever they want without any legal basis. ( see attached files for the " debt validation '' as well as a statement from them ADMITTING they are charging me interest on a debt that's not legal for. also notice on my credit report they have reported an amount higher than the debt validation document that I have attached which is clearly an illegal practice by them ) Also I had disputed this debt with the credit agencies some time ago, and never received any documentation at that time or for months afterwards validating this debt, yet they have not removed the debt and have continued to call me to collect the debt. 

Also when they have called they have been quite rude and sarcastic. 

It is my complaint that they are breaking the law by placing on my credit report, as well as asking me to pay an about well over what they are entitled to, I have a letter from them saying they will charge me interest, which is not legal, and they have no legal basis to do this, yet they have done it. As well they have put on my credit report an amount well over the amount owed, which I can only assume is also some sort of interest penalty which is again not legal, was never agreed to and is a blatant disregard for state and federal laws which show this does not apply to an apartment complex contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is starting to get very upsetting. CAPITAL ONE NA has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a capital one account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
this company is calling me for my brothers debt. i told them he doesn't live here. they tell me if he doesn't contact them by a certain time legal action will proceed.i have twice told them this is not his number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
XXXX continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, XXXX XXXX, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( 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