vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: IL

Complaint narrative:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status

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 2020-05-02 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 — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I have a brand new credit card with Aspire due to fraudulent charges. I have never used the new credit card or even taken the card out of my home.on XX/XX/2020 Aspire company shows a charge of {$510.00} and a credit in the same amount of {$510.00} however as of XX/XX/2020 the credit of {$510.00} was never processed on my account resulting in a incorrect balance with Aspire. I have contact this company twice regarding this issue and Aspire refuses to correct this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: CT

Complaint narrative:
My pension was reduced by 30 %, basically XXXX a month, my cost of living has risen twice that amount, putting me under water. One Main refuses to work with me to adjust my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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:
I disputed the following accounts with Experian on XX/XX/2020 because the accounts are the same refinanced accounts, not duplicates, and the balances are incorrect. 

1. XXXX XXXX, account number XXXX XXXX. XXXX XXXX, account number XXXX XXXX. XXXX XXXX account number XXXX Experian stated the accounts were verified, but they did not actually verify the accounts. 
Experian continues to report these inaccurate items on my credit file. 
By Experian continuing to display the unverified accounts on my credit file they are in direct violation ofThe Fair Debt Collection Practices Act ( FDCPA ). 

These accounts should be removed from my file because the debt was not verified and is inaccurate.

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 2020-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
In more than 10 years Ive never been able to get a loan here. Now twice a day Im getting loan offers, becoming a nuisance. Temptation to lower my credit score knowing a denial is inevitable.

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 2020-05-02 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: MO

Complaint narrative:
My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX  XXXX 2 ) XXXX Child Support XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX   {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX   XXXX XXXX {$470.00}

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 2020-05-02 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:
On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX XXXX XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account Balance date was updated, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX # XXXX. Now to get to the nature of my dispute for XXXX # XXXX -1. Reporting 3 different Date of 1st delinquency and date assigned to 3 Bureaus XXXX2. Reporting 3 Date of last payments. 4. Reporting 3 different balances to 3 different bureaus. 

By looking at the documentation I submitted these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying balance date updated. this ws not the nature of my dispute. it's obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I submitted to them. Its obvious the issue is no one from no person from XXXX XXXX  was contacted for the dispute and no evidence was submitted because there is 3 different reporting on these issues with 3 different bureaus about the nature of my dispute. 
I have proven that deletion is the only outcome which was the the determination XXXX  came too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: MO

Complaint narrative:
My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: MO

Complaint narrative:
My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) XXXX XXXX XXXX XXXX {$7500.00} 4 ) XXXX XXXX XXXX {$6000.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX   {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}

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 2020-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Old navy credit card has received payments and have not posted them on time. Thus lowering my credit score. I made six consecutive payments on time since XX/XX/2019 and they reduced my credit limit, thereby decreasing my fico score erroneously.

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 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I sent letters to them disputing the alleged debt, but they ignored my request and fail to provide proof of claim as I requested. I sent several letters explaining myself as well as requesting to be provided with any contract, affidavit or agreements which would bear my signature and theirs showing that I was indebted to them, and they refused and never answered.any of my letters. 

All my Mail was sent by Certified Mail, Returned Receipt requested, and the were returned to me signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was XXXX of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX My XXXX XXXX XXXX Was Total Lost XXXX   my insurance paid the value {$12000.00} I spoke with XXXX  ( Which is BRIDGECREST ) & All CALLS ARE RECORDED WITH THEM ... I was told My Gap Insurance Taking Care The Remaning Balance I didn't Owe Anything I will receive papers to sign ... I Called Again Cause I Didn't Recieved Anything while weeks went by I called again ( spoke with BRIDGECREST & my gap insurance company in 3way ) was told everything being paid ... I DIDN'T RECIEVED ANY PAPERWORK FROM BRIDGECREST OR ANYTHING after that until I looked at my credit report they saying I owe {$8.00} I wrote BRIDGECREST a letter for verification of this amount, how was this amount calculated, where it come from 3 TIMES I REQUESTED THIS & they refuse to Validate this they refuse to send me proof of this bill ... I don't owe them anything they reporting late payments on my credit I asked them to Validate that 3x & yet to do so they reporting different amounts on my credit also they sent me copy of my contract but yet to send how they came up with this extra money after the car was paid IN FULL

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 2020-05-02 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
my account was closed without receiving notification. Making payments on time. 
i have been a valuable customer for many years

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 2020-05-02 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: TN

Complaint narrative:
THESE ACCOUNTS ARE SHOWING UP ON MY CREDIT REPORT WHEN I HAVE NEVER DONE BUSINESS WITH THESE COMPANYS

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 2020-05-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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