vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This is not my debt. I have requested several attempts for this company to validate this debt with a physical signature of the HIPPA release and a complete payment history.. Sending a bill is not validation. This is a HIPPA violation. I have a right to request documentation with my physical signature. Its evident that this company can not provide proper documentation to collect on this invalid debt. I have been in complete distress behind this company actions destroying my credit. Also, I have filed a complaint with XXXX  as well. Until I receive proper documentation this is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: DC

Complaint narrative:
My sister XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas died on or about XX/XX/2019. I am the XXXX XXXX of her estate. 

She had had a telephone ( cell ) through XXXX XXXX. I had tried repeatedly by phone and in writing XXXX XX/XX/2019 XXXX to tell XXXX XXXX that she had died. I included a copy of her death certificate. I used the address of XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX response was to turn the matter over to a collection agency, Professional Credit Service of XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX. They are seeking {$150.00} from her date of death to XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I applied for an Apple Card. I was declined as they stated I had a past due payment. I do not. I was told to contact XXXX which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX   then Goldman Sacs. Another 45 with XXXX. They sent me a credit report with no past due payment on it. Apple and Sacs said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: MN

Complaint narrative:
ChexSystems has reported on an account I had with XXXX XXXX  that it was closed due to account abuse, but is paid in full. As such when I try to open a new bank account it comes up as my account as being flagged for outstanding amount owed that needs to be paid in full in order to open a new account. And some banks have a policy that if a person is flagged in the ChexSystem that the person can not open an account for two years! All of this because of false information!! Not good! Not Fair! Not honest business practices!!

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 2019-11-12 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : 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 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 ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, 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 2019-11-12 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : 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 ACCOUNTS TO BE AMENDED : XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: ID

Complaint narrative:
In XX/XX/2015, I had a vehicle I had traded into a dealership. The vehicle was paid off and the loan is reporting as a charge off on all my credit reports. I have disputed this information multiple times. Not only is this not accurate, the amount they are saying that was still owed when I traded the vehicle in, is inaccurate as well. Ive requested information from Wells Fargo multiple times asking them to show me proof that this was not paid off. They have never provided proof. Instead, continuing to report as a charge off on my credit which is causing a great deal of harm to my credit. I don't understand how these companies can report whatever they want to these credit bureaus without ever providing proof or validation. I want this inaccurate account removed from all 3 of my reports.

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 2019-11-12 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: WI

Complaint narrative:
I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: ID

Complaint narrative:
In XX/XX/2015, I had a vehicle I had traded into a dealership. The vehicle was paid off and the loan is reporting as a charge off on all my credit reports. I have disputed this information multiple times. Not only is this not accurate, the amount they are saying that was still owed when I traded the vehicle in, is inaccurate as well. Ive requested information from XXXX XXXX multiple times asking them to show me proof that this was not paid off. They have never provided proof. Instead, continuing to report as a charge off on my credit which is causing a great deal of harm to my credit. I don't understand how these companies can report whatever they want to these credit bureaus without ever providing proof or validation. I want this inaccurate account removed from all 3 of my reports.

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 2019-11-12 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: WI

Complaint narrative:
I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: WI

Complaint narrative:
I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.

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 2019-11-12 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
For the past two years I have been treated unfairly by a debt collection company named Lockhart, Morris and Montgomery. Initial contact started in XX/XX/XXXX for an account that was closed out back in XX/XX/XXXX. I explained to the company that it would take time to find the documentation showing I cancelled before the 10 day grace period listed in my contract. I did ask for the original creditor 's information because I tried reaching out via email to the person who contacted me via email with the contract, as I replied to their email to cancel back in XX/XX/XXXX, fast forward to XX/XX/XXXX that email address is not working, the debt collector would not give me any contact information. So when I produced the documentation showing I cancelled in XX/XX/XXXX ( and received a reply from the company acknowledging receipt ) a male representative at LMM ( would not give his name ) told me that I did not provide the right type of cancellation (? ) and he still considered the debt valid and would not removed it from my credit report. In addition, I was told by LMM that they have the right to pursue the debt regardless of any cancellation proof I produce. I questioned LMM if I was delinquent, wouldn't the original creditor have posted the account on my credit report back in XX/XX/XXXX? There was never any filing of such an account. Then I said well if you are posting this account as a valid debt ( which it is not ) why did you reage the account to XX/XX/XXXX versus the original XX/XX/XXXX date? The male representative stated they are able to post as of the date they received and it's not consdiered reaging (? ) I have recently found the company, as it went out of business and now it's renamed ... ironically I found the company on the XXXX XXXX XXXX  's website and the company has issue with contract issuance, misrepresenting themselves as XXXX & other companies, as well as unfair billing practices. I emailed the company ( need everything in writing with these shady characters ) and I have yet to receive a response, the company has a 2 star rating on XXXX and a D+ rating on the XXXX  website most of the complaints are for being unethical. Please help, report a debt that does not exist is illegal, unfair and deceptive collection practices is illegal, reaging an account is illegal, not honoring a cancellation request and trying to collect on it 3 years later is illegal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been using a credit card " dental '' from XXXX XXXX XXXX issued via Comenity Bank for the past 18 months. My payment dates is the XX/XX/XXXX of every month. I made the last payment online of {$100.00} to be deducted from my account of the due date. On XX/XX/XXXX I realized that my final payment was due on the XX/XX/XXXX, not the XX/XX/XXXX. I  called and the representative informed me that she could cancel it and I made the payment the same day which I did. I was so eager to make the last payment that instead of me submitting total balance {$100.00}, I submit minimum payment {$27.00}. 
A few days when I checked my account I realized that only the minimum payment was deducted. I immediately contacted them and they told me they would not be able to do anything until the XX/XX/XXXX ( billing cycle period ). I called back and was rudely informed that their is nothing they can do because I was the one using the card and it should be my responsibility that my payments were made. They also informed me that it is in their system that I did make a payment before the due date and it was then cancelled. I am wiling to pay something for the honest mistake but {$340.00} for a honest mistake is too much. 
I have made several calls and written a letter to the dispute center and no one as reach out to me. I have made several attempts to have this issues resolved and to no avail. It's obvious from the reviews I have read that this company does not care about consumers/customers. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: NY

Complaint narrative:
Opened : XX/XX/2018 ( 1 yr, 3 mos ) Account status : Open Placed for collection Original Creditor Name XXXX XXXX  XXXX XXXX XXXX I am writing to dispute the negative report issued by XXXX  XXXX XXXX  on XX/XX/2018. ( See attached ). They were my landlords. 

I always made my rent payments on time. 

I have a copy of my payment confirmation dated XX/XX/2018, which was my final payment under the lease. 

I have never been contacted by XXXX  XXXX XXXX for collection. 

XXXX  XXXX XXXX will not respond to any of my direct inquiries. 

I reported this issue to the credit reporting agencies and provided them with proof of payment, but they have refused to remove the collection from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 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: NY

Complaint narrative:
Opened : XX/XX/2018 ( 1 yr, 3 mos ) Account status : Open Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX I am writing to dispute the negative report issued by XXXX  XXXX XXXX  on XX/XX/2018. ( See attached ). They were my landlords. 

I always made my rent payments on time. 

I have a copy of my payment confirmation dated XX/XX/2018, which was my final payment under the lease. 

I have never been contacted by XXXX  XXXX XXXX for collection. 

XXXX  XXXX XXXX will not respond to any of my direct inquiries. 

I reported this issue to the credit reporting agencies and provided them with proof of payment, but they have refused to remove the collection from my credit report.

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-12 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:
I was a victim of identity theft or mistaken identity. I contacted the bureaus and provided all my personal documents as required along with a identity theft report. I have made several attempts to have this information corrected to no avail. the credit bureaus have not provided and debt validation with proof of any contracts on file bearing my signature to validate the debts, that they are required to provide when requested under the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: NC

Complaint narrative:
Shortly after XX/XX/2019 I received a collections letter from Alliance One Receivables Management , Inc. of XXXX, PA. They are attempting to collect {$680.00} without verifying the account, without my rights to dispute or validate the collection or by providing a permit number that says they are legally allowed to collect in the state of NC where I reside. 

I have looked this company up on the XXXX XXXX XXXX XXXX XXXX of NC and did not see a permit number or any information that says they are allowed to collect this debt from me. 


Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for an XXXX XXXX. I was declined as they stated I had a past due payment. I do not. I was told to contact TransUnion which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX then XXXX XXXX. Another 45 with TransUnion. They sent me a credit report with no past due payment on it. XXXX and XXXX said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.

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 2019-11-12 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:
I have been disputing items on my credit report that have already been removed but, It seems like my process has been delayed constantly. Its been months on sending a countless amount of letters to the credit bureaus to make them aware of these accounts that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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:
I have been disputing items on my credit report that have already been removed but, It seems like my process has been delayed constantly. Its been months on sending a countless amount of letters to the credit bureaus to make them aware of these accounts that should be removed.

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 2019-11-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit inquires I don't recognized

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