vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
hello. yesterday was the XXXX of XXXX I was sitting with my family when a gentleman knocked on my door hand to me an open package telling me there is a lawsuit against me for a certain amount. I was shocked cause I didnt know that I owed money to anyone or buy something I didnt pay. so, when i open the package and start reading though i do not understand everything about it. the little i understood seemed like there was a credit card open on my name which I know nothing about and being used and now I am being prosecuted to paid off. 
I remember on XX/XX/2019 I was forced to purchase a timeshare resort on XXXX, couple day after I call and keep calling to find someone to cancel it never reach someone to assist me. now they persecuted me to paid it off and threating me all of that messing up my credit. all of this are XXXX over my head. 
I literally was forced to purchased and being told later on if I am not interest on it i can always return it, or if I want to sell, them they will sale it for me, when I finally find someone to assist me on this case, I have been told I have to stick with it and make payment on it every month. i feel like my personal identity is in problem I am looking to help anywhere to help me get those people of my back. 

i wanted to upload more of the files but the webpage don't let me to, is there any other way to upload more files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
UAS is fraudulently collecting interest on Perkins loans by delaying payment due from the legally required repayment start date of 9 months from graduation to 10 months. I paid my daughters Perkins loan off on the date that UAS said payments were due. Her loan was due XX/XX/2022 but UAS said payment wasnt due til XX/XX/XXXX. After paying loan in full on due date XX/XX/XXXX I had a remaining balance due of {XXXX}. I finally got the interest removed. But this company needs to be investigated for illegally deferring payments by one month to help themselves to interest they are not entitled to. How many thousands of borrowers are starting off in the hole before a payment is even required? They are thieves and this is criminal and they need to stop this practice and be held accountable. The US department of Education needs to be made aware of this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, XXXX, and Transunion are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4.cXXXX XXXX  service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
5. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
6. CXXXX XXXXXXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXXt : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXXrt : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have 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 2022-04-09 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: NC

Complaint narrative:
XXXX, Experian, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4.XXXX XXXXXXXX XXXX XXXX : {XXXX} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
5. XXXX XXXX XXXX XXXX XXXX {XXXX}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
6. XXXX XXXX : XXXX opened XX/XX/XXXX balance {XXXX}. never late 7. XXXX  XXXX : XXXX opened XX/XX/XXXX balance {XXXX} never late XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {XXXX} not my account I have 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 2022-04-09 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: NC

Complaint narrative:
XXXX, XXXX, Equifax Accounts : 1. XXXX XXXX XXXX XXXX- needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
2. XXXX XXXX XXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan 3. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
4XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
5. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
6. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
7. XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
8. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
9. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
10. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called equifax on XX/XX/2022, and spoke with representative about why a financial services company couldn't access my credit report. They told me it was because of a dispute that was incorrectly reported and that my report was locked. My report was never locked by me. Also my current address is incorrect and they won't fix it even after verification of my identity. They have my old address on file only and told me to go online to change it. I can not change it on their online under my identity. My current address is on all of my credit accounts and they keep giving me the run around that they can not fix it and a lender will not lend to me for a home until it's fixed. My current address that should be on file is XXXX XXXX XXXX XXXX, PA XXXX. Upon further investigation it seems this happens to alot of people and now is happening to me. I don't know what else to do because I can't get anywhere with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
USAA refuses to honor my VA home loan. They say it's because of my credit, that the VA won't allow it, yet I hold my certificate of eligibility IN MY HAND. They also claim my credit score is significantly lower than what EVERYONE is telling me online.

I went to all this trouble so that my bank, that supposedly services veterans, can refuse me service for 10+ years.

The fact that these lenders use what is essentially hearsay to determine my eligibility is sickening to begin with, but is somehow accepted. 
I'm XXXX, gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supposedly in the name of freedom. I FREAKING DESERVE MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft and violating my consumer rights. On several occasions, they have manipulated the debt amount to make it seem like there has been activity on the account and that I have paid, when I have not. They also have reported past due balances to the credit reporting agencies and per FCRA on furnisher rules, it is against the law. I have included screenshots of all these egregious actions. I also have never given NATIONAL CREDIT SYSTEMS permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I haven't even received any documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS cant provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence, like a trilateral contract, and receipts of when I paid money on the alleged debt that would make the price increase and decrease ; and that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: BANCO POPULAR DE PUERTO RICO
State: GA

Complaint narrative:
On XX/XX/2022, I completed a credit application for the XXXX XXXX XXXX. The credit application was denied. I received the denial letter via USPS. I do not agree with this decision as my credit was extended for consideration and did not receive the credit in the fair exchange of this application process. Poplar Bank violated my consumer rights under the color of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2022-04-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2022-04-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-09 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, Transunion, XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
XXXX XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
XXXX. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
XXXX. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
XXXX. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.

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 2022-04-09 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: NC

Complaint narrative:
Experian, XXXX, XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
XXXXXXXX XXXX Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
XXXX XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
XXXX. Collection accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
XXXX. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
XXXX. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.

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