vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what Experian has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

Experian just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!

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 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am continually getting calls from Discover to get me on a card. They're no good and I hang up on them and I block the number the calls are on but they call again from other numbers. I want the entire Discover Bank and Discover card company blocked from my number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
Collection trying get my money danger my credit score because account is opened fraudulent out my concerns trying fixed error with this company credit one now send me collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: I.C. System, Inc.
State: GA

Complaint narrative:
I've been a loyal customer of XXXX for over a decade. I have never been late in paying my account and am always current. I am still a XXXX  customer just to state the facts. XXXX opened an unknown account and there is a small balance of {$150.00} that is opened and has gone to collections due to their error. This small error has affected my credit tremendously and has left a negative mark on my credit report. Please remove this error and fraud account.

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 2021-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for credit with XXXX XXXX XXXX XXXX Mastercard XXXX and was denied credit for reasons that do not apply to my profile : -Too many recent credit inquiries -Filed Bankruptcy -Previous/Existing account has history of late payments -Credit privileges on existing account ( s ), currently restricted I do not ( or ever ) had this kind of reporting on my credit. Nor have I ever had business w/XXXX  ( current/past ). I actually applied and was invited via my Experian membership ( as a 98 % approval match for credit ). 

To advise : I have Fraud Alerts on all 3 credit agencies.

Now have a 'hard inquiry ' for ( 3 years ) because of this decline and want to know how to remove this hard inquiry from my credit report for this discriminating and false information.

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 2021-07-10 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: NC

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX TransUnion and XXXX  XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2021-07-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 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: GA

Complaint narrative:
On XX/XX/2021, I submitted a deposit of {$30.00} ( using my Wells Fargo credit card ) to a stylist for a hair appointment for a specific hairstyle. The day before my appointment ( XX/XX/2021 ), the stylist informed me the she would not be able to provide the services for the specific hairstyle that I initially paid the deposit for. On XX/XX/2021, I responded and requested that she refund my {$30.00} deposit since I would not be able to receive the services that I paid the deposit for. I did not receive a response so on XX/XX/2021, I requested a refund of my {$30.00} deposit again and the stylist advised that she would submit the refund request through XXXX XXXX XXXX and it would take 1-3 days to send the funds back to my Wells Fargo credit card. I submitted a dispute to Wells Fargo on XX/XX/2021( Dispute Number : XXXX ), so that they could request the funds back from the company because I haven't received them. It is now XX/XX/2021 and I still haven't received the funds or a resolution from Wells Fargo.

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 2021-07-10 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX To Whom It May Concern : This letter is regarding Helvey and Associates an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I XXXX XXXX CHECKED MY CREDIT REPORT WITH THE 3 MAJOR CREDIT BUREAUS AND NOTICED A COLLECTION FROM MIDLAND CREDIT MANAGEMENT. UNDER 15 U.S. 1692G ( A ) ( 3 ) A DEBT COLLECTOR MUST GIVE A CONSUMER A INITIAL COMMUNICATION TO VERIFY A DEBT. I WAS NEVER GIVEN THE OPPORTUNITY NOR DID I RECIEVE ANY COMMUNICATION FROM MIDLAND CREDIT MANAGEMENT IN REGARDS TO THIS DEBT. MIDLAND CREDIT INDEED ASSUMED THIS DEBT WAS MINE WITHOUT THE OPPORTUNITY FOR ME TO VALIDATE THIS DEBT. LASTLY I SENT MIDLAND CREDIT A LETTER OF VALIDATION ON XX/XX/XXXX. UNDER 15 U.S 1692G ( B ) A CONSUMER HAS THE RIGHT TO REQUEST THE NAME, ADDRESS, OF THE ORIGINAL CREDITOR ( WHICH I AM A ORIGINAL CREDITOR ) OR THIS DEBT COLLECTOR SHALL CEASE COLLECTION OF THE DEBT OR ANY DISPUTED PORTION. MIDLAND CREDIT IS IN VIOLATION OF 2 OF MY CONSUMER RIGHTS AND I INTENDED TO PURSURE LEGAL ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 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: GA

Complaint narrative:
I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXX, US DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  US SM BUS ADMIN ODA 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 2021-07-10 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: GA

Complaint narrative:
I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXXXXXX US DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  US SM BUS ADMIN ODA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter to Experian asking for a method of verification on two of my collection accounts. They closed it three days later, I called and talked to XXXX whos on team # XXXX stated that they sent my results on XXXX second that includes some of my requests such as a wet written signature, name of person that did the investigation, who the investigator talked to to get the information thats verifiable and so forth. She said it was sent via email. I never received that email so I asked her to resend it and also send it via email. She complied and told me it would take 24-48 hours to receive the email. I received the email yesterday also confirming that I did in fact get the email but it was not what I asked and it still didnt have any methods of verification. I called today requesting that they delete the account because in the letter I stated that if there wasnt any methods of verification to delete the account, XXXX told me that Experian doesnt do methods of verification, they send what I sent to them to the lender. So my problem is these two different reps told me two totally different things, and also after sending my letter to the lender how fo they verify if its verifiable. I didnt understand his reasoning so I asked to be transferred to the supervisor which his name is XXXX, XXXX took really long to transfer me to him so Im pretty sure XXXX told him already what my problem was because when I got on the phone with XXXX he didnt budge he in fact told me the same thing XXXX did. So I asked him to delete the accounts because my request wasnt made, he basically told me that Experian doesnt care about reporting inaccuracies and inaccurate info when the lender tells them to delete they will. I am saddened that still in XXXX XXXX petiole still cant have what belongs to them. XXXX people voices still aren't being heard. XXXX is still under investigation, XXXX  said they mailed out my requests the next day they received them, which is impossible so Im going to file a complaint with them as well if they dont do neither such as their sibling Experian.

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 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
As addressed to United Wholesale Mortage : Back in XXXX I wanted to sign up for the budget draft and instead of taking half the payment as per terms of the agreement you instead took the full mortgage payment. I was assessed a fee for insufficient fund. I call and the fee was removed. 

Afterwards for weeks I received no feedback or paperwork work for the budged draft even after faxing over my savings account information over and over. Finally when I called you said I had to pay one month advance for the enrollment into budget draft. I did that and budget draft was finally set up. Again no communication to me that I had to make an additional month of payment. 

After that what I expected should have been no issues since it was bi-weekly payments right? Wrong. Apparently you take 3 payments on a month with 5 Fridays. I was assessed a fee AGAIN. 

So I called and explained the situation and they said that the issue will be resolved. I did this three times and every-time you stated that the fee would be removed. I even wrote on the online messaging system and I was ensured that it would be taken care of. 

I called back today almost a month later now and explained the situation to the supervisor in the escalation department and they stated that since the fee was already waived once again which was a mistake on your end that they cant remove the fee. 

Im not paying the fee. 

Loan # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have filed another complaint about the threats from this company to destroy my credit. This medical debt is not mine. It is the result of identity theft and I am a victim.

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