vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
The balance from my M & M CREDIT ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) with the account number XXXX was paid to the physicians company who stated they would verify as paid in full with your bureau. No update was made. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please contact this company, verify as Paid, and change status immediately. Please note you are also reporting my private health information. To do so, you must provide your HIPAA clearance to me. Please provide documentation proving that you are not abrogating my rights by reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I had XXXX DSL modems through XXXX  XXXX  ( now XXXX  ) at a house I was renting. When we moved I canceled both accounts with 1 phone call. They canceled one of them and then billed the other account the next day. I called them and explained this and they said it was valid and sent it to collections. I have to explain this to debt collector after debt collector. Once I explain it they just sell the debt and the process starts over. This amounts to simple harassment. I explained it to XXXX and they removed the debt but I have to go do that at the other XXXX credit reporting agencies. I have to write and mail a certified letter to ERC and after doing this multiple times I would pay more than the balance. The original balance was only {$44.00} per modem and one they canceled so originally I was asked for that amount. Now they are claiming that the original amount was {$73.00} and that they are willing to " resolve '' my account for " less '' than the original amount. They clearly understand that if they harass me enough I will pay them just so they go away. They never have proof and when asked for it they just send it on down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were robbed while celebrating 10-year wedding anniversary in XXXX XXXX XXXX My wife 's id and Wells Fargo credit card was stolen. Also our XXXX XXXX XXXX was stolen among other things. Our Wells Fargo credit card was fraudulently used for the total amount of {$5500.00}. We filed a police report with XXXX XXXX XXXX XXXX XXXX XXXX. Report # XXXX. We provided all of the above information to Wells Fargo. They reviewed our claimed and denied it. They reposted all the transactions, even though banks are required by law to be responsible for reimbursement of all fraudulent credit card transactions. We are asking for help resolving this situation with Wells Fargo. 

Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} {$5500.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$2100.00} {$5400.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX {$79.00} {$3300.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$3200.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$79.00} {$1600.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} {$1500.00}

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 2022-02-25 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:
Ive been trying to dispute this item on my credit. I contacted the creditor several times and provided documentation stating that the account does not belong to me and the creditor will not remove the account. 
I then contacted the credit bureau several times to dispute the account provided proof of identity theft such as a police report and the credit bureau EXPERIAN will not remove the account even thought sufficient documentation has been provided multiple times. 

I requested documentation from the creditor to see if the information matches mine such as signatures on XXXX  or address on file or any relevant information and the creditor is non responsive. 

Experian did not do a thorough investigation. This has affected my credit for XXXX years. I keep disputing and the creditor along with EXPERIAN will do nothing.

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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Good day. Company ERC continues to contact me via phone and mail attempting to collect debt that is not mine. I have asked for proof to ensure the debt is mine. I demanded the original contract that was signed for the items listed also proof that this company is able to collect debt on behalf of original credit. ERC has sent me documentation that does not look original nor has any hard information. The company also does not have my social so i am curious to know how they can threaten to place a collection of an unknown debt on my account. The statement they sent via mail is not descriptive at all. Its a repeat amount of prices for unknown services. Please have ERC stop harassing me for debt that is not owned by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681, and as a consumer per federal law the accounts listed have violated my rights and must be removed as theyve been removed from different bureaus but are still reflecting on my credit. The accounts to be removed are as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2022-02-25 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: MS

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The XXXX Reporting falsely Under XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Conn's, Inc.
State: TX

Complaint narrative:
After reviewing my credit with XXXX, XXXX and XXXX XXXX I noticed the following : XX/XX/2021 my credit report shows Conn 's reported my account 30 days late. The account was paid off on XX/XX/2021, before the due date. The due date for payments were on the XXXX of every month. 
I have disputed this with the credit agencies and Conns mailed a letter to my residence stating clearly stating no errors have been located on their end ( letter attached ). 
I made a second attempt to Conn 's providing documentation of the account being paid off and according to the FCRA & FDCPA I exercised my lawful right to question validity of this debt and requested any negative inaccurate item ( s ) be removed within 30 days. 
Conn 's mailed a letter stating conflicting information from the first notice I received. 
The account was not 30days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
Recently I checked my consumer report and noticed a collection from a company I never contracted with nor have i extended any credit with or done any business with at all. They are claiming I owe an alleged debt that I do not owe. I am fully aware that my consumer rights have be violated under the FCRA and FDCPA and would like all information be removed from the consumer reporting agencies and cease all communication and attempts to collect alleged debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: ProCollect, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am trying to request the removal of PRO COLLECT ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ) with the account number XXXX due to it's inaccuracy. This account is already paid and must be removed from my file. Also, the date or the year of the last activity does not match the payment history. Moreover, the payment history is incomplete and blank. This must be addressed ASAP.

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 2022-02-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX they said on my credit reports XXXX and Equifax I was late 30 Days this car was total, they were in contact with my insurance company XXXX and my Gap both pay them off in 45 Days, they put negative on these to account, had this account since 2016 never missed a payment, no one told me at XXXX to pay a payment in between them waiting on the payoff between both insurance companies, need to change the wording on these accounts, never late, it's hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Vanilla Visa Gift Card via email for online purchases. Somehow the information was stolen and the card was used to purchase gas in a city XXXX miles from me. 

I have tried to file a dispute with customer service, but they do not help. They either hang up or refuse to write down my information correctly. 

The Vanilla Visa gift card provider doesn't care about fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MS

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-25 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: MS

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting XXXX XXXX accurate. 
Unauthorized/Erroneous Account RESULT OF XXXX XXXX XXXX XXXX Direct Violation of The XXXX Reporting falsely Under XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 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 non-monetary relief
Consumer complaint received 2022-02-25 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: GA

Complaint narrative:
On XX/XX/2021, XXXX XXXX at XXXX XXXX XXXX reported that my XXXX account was CLOSED ( see page 16 of attached credit report ). However, afterwards, they continued to collect and make negative reports to all three credit bureaus. Isn't this a violation of Fair Credit Reporting Act? They report that my account is CLOSED which signifies they have stopped collecting, but then make negative reports after XX/XX/2021 stating that my payments were late. When I saw the CLOSED XXXX account on my credit bureaus, I reasonably concluded that the account is closed and thus I am not making payments. Any reasonable person would assume this. However, it is unethical, fraudulent, misleading and violating of Fair Credit Reporting Act to continue to make negative late payment reports to a consumer 's account after reporting that the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
Global Solution contacted me on XX/XX/XXXX about a debit for {$100.00} that was owed by me to XXXX XXXX XXXX. I advised the Global Solution representative at that time that the bill was paid and also email a copy of the receipt showing that the debit was paid back in XXXX. XX/XX/XXXX Global Solution reported to the credit agencies the XXXX XXXX XXXX debit for {$100.00}. I contacted XXXX XXXX XXXX XX/XX/XXXX for an up to date copy of my billing statement. The information that was provided to me by XXXX XXXX XXXX shows that the patient ID that Global Solution provided to me abut this bill has on record for me has a zero balance. I'm in the process of buying a home and this is causing an issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: NJ

Complaint narrative:
There are multiple accounts on my report I do not recognize

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