vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX membership for a while and when I stopped going to the gym for three months, I received a notice of collections but did not receive any phone calls or letter that my account was past due, neither was the funds being taken out of my account. when I went to pay my new due. The gym representative said it was already in collections. I was in collections for XXXX . I called the company and was getting charged {$500.00} I do not want to pay more than what I owe.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following accounts are all fraudulent, has previously been deleted from my credit report by Equifax countless times and keep reappearing on my credit report : XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$19.00}, XXXX, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX, {$1700.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$22000.00}, MN XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$29000.00} and XXXX XXXX XXXX XXXX, {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is for the Consumer Financial Protection Bureau and the credit bureaus. My husband passed away and I want to get his credit reports marked as deceased. This is harder than it should be. This is important to do to prevent people from using it. It would be nice to send the info to one credit bureau and they propagate it to the others. As it stands now, I have to send info and death certificates to all of them. Ideally, it would be nice if funeral parlors could notify the credit bureaus if the family wants them too. They notifiy social security, so why not credit bureaus too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for a XXXX XXXX secured card on XX/XX/2019 And they did a hard credit check inquiry on me on XXXX , Equifax and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019 and they did another Hard credit check inquiry on me on XXXX , Equifax , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, Equifax, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following accounts are all fraudulent, has previously been deleted from my credit report by XXXX countless times and keep reappearing on my credit report : XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$19.00}, XXXX, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX/XXXX, {$1700.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$22000.00}, XXXX  XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$29000.00} and XXXX XXXX XXXX XXXX, {$370.00}

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 non-monetary relief
Consumer complaint received 2019-06-23 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: OH

Complaint narrative:
I have been requesting validation of this account XXXX  XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score.

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through e-Oscar system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.

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 2019-06-23 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: OH

Complaint narrative:
I have been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score.

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.

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 2019-06-23 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: AES/PHEAA
State: TX

Complaint narrative:
Complaint Summary : I have set up automatic payments with direct deposit with confirmation multiple times via portal and customer service. However, auto-payments haven't continued past 1 month each time, leaving interest compounding without my knowledge XX/XX/XXXX : Direct Deposit approved for automatic monthly {$100.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : I noticed no money has been deposited since XXXX I am told by customer service that my account is fine and that adjusted automatic payments will work now ( XX/XX/XXXX : {$1000.00} paid to catch up {$640.00} goes towards interest ) XX/XX/XXXX : Direct Deposit approved for automatic monthly {$210.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : Successful deposit of {$210.00} XX/XX/XXXX : I noticed no payments were made after XXXX ( XX/XX/XXXX - XX/XX/XXXX : {$1000.00} paid principal only dented by {$170.00} ) Loan Information : Total ( XXXX XXXX ) : {$27000.00} 3.88 % average interest IDR plan approved XX/XX/XXXX XX/XX/XXXX - Loan forbearance ends : + {$2600.00} capitalization XX/XX/XXXX - + {$120.00} capitalization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: IN

Complaint narrative:
I sent in a request with all the required information to experian over a month ago and it was completely ignored. im submitting this request again via cfpb

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 2019-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am informing you that Transunion is continuing to report fradugelent information after I have told them that these accounts DO NOT BELONG TO ME. This information is fraud, I have gave them the police report, identity theft report & requesting that they remove & block the accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( two accounts ), and XXXX. They also have names that don't belong to me on the report making it easy for any thief to access my information. The only name I have ever used is XXXX XXXX all other names should be deleted. I have never lived at any address other than my current address over 25 years. Please delete these inaccurate addresses that I have never lived at XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX . There are also inquries that do not belong to me as well. XXXX, XXXX XXXX, & XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: MO

Complaint narrative:
After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX  XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX   with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.

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 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
A company called XXXX XXXX has on my credit report that I owe them money, but they will not produce paperwork, nor will they give me the amount. I had identity theft the last 2 years, and this is part of that. I filed a police report, and I tried to speak to them, but they show nothing in my name. It is against the law if they do not show paperwork, and it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
To whom it may concern. 
About a month ago, I noticed there's a collection on my credit report ... from Mitchell D Blum and Associates I sent a dispute letter asking them to proof me the debt is my ( validation ). They respond to me on XX/XX/2019 by sending me my discharge hospital documents. I feel that is a privacy isue, that shouldn't happened ( HIPPA ) and not only that I can't figured out on that document how I owe them the money that they are trying to collect, this is unfair and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had a hard inquiry i never applied for. I would like to remove the hard inquiry on my report with Comenitybank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
We were given a {$200.00} American Express gift card with the receipt by a charitable organization. Several months later, we lost the card but still had the receipt. After many calls with American Express, they said they would suspend the lost card and send a replacement if we sent a copy of the receipt along with a letter with various details, including a copy of my drivers license and a utility bill. 

After sending all this information ( via email on XX/XX/2019 and XX/XX/2019, reference numbers XXXX and XXXX ), American Express did not issue a replacement card. They said they needed to get in contact with the the original purchaser of the gift card. I have no idea if they even tried to contact the original purchaser ( who was unknown to us ). 

So American Express is not issuing a replacement card to us, and isn't refunding the money to the original purchaser either. It seems they are just going to keep the money for themselves by hiding behind a Kafkaesque process with moving goal posts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-06-23 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-06-23 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i had a hard inquiry. I would like to remove the hard inquiry i didnt apply for on my report with 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 2019-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
First of all my name is XXXX XXXX not XXXX XXXX XXXX as all the bills refer to regarding my student loan. I attended XXXX XXXX College back in XXXX and I already paid off one loan and now I am told I have a Federal Perkins Loan in default. I had resolved this issue with a company that represents this school but I was forced to pay {$70.00} for 9 consecutive months and once I did that I was being charged {$40.00} a month. Unfortunately, I was unable to pay and the agency was unable to help me, which I thought was odd. I was not able to pay and my loan went to default. I believe I might have been dealing with a scammer company because all of a sudden I get notices from another loan servicing representing this same school and charging me over {$6000.00} when the loan is only for {$3000.00}. I never heard back from the other loan servicing company who was taking my money every month. I called the school directly and they tell me to contact the loan servicer. I refuse to pay anything to this company who sends me bill notices with PO Box addresses and misspelled words and just seems fraudulent. I am now in default and I don't know why if I have been attending school more than half time. Please help me. The First company I dealt with was call Reliant Capital Solutions but we dealt with over the phone and emails ... I never received any bill from them directly. This new company is XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is FRANKLIN COLL SVC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FRANKLIN COLL SVC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809,  which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.  Validations of date and Mini-Mirandi under Section 807 ( 1 ) FRANKLIN COLL SVC # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA XXXX with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 O.R.C.Taking assignment of debts Section C paragraph 3. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where FRANKLIN COLL SVC # XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation