vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of XXXX, XXXX, XXXX Equifax. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done XXXX in proper investigations on my credit profile. After Covid, My fiance and I have been searching for somwhere to live, and sadly my credit has been a major road block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have XXXX accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX  XXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
15 U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
Equifax has Deleted XXXX XXXX off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, BBB and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, XXXX investigations in a row. 
THIS is a HUGE violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of XXXX, Experian, OR XXXX. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done 3 in proper investigations on my credit profile. After Covid, My fiance and I have been searching for somwhere to live, and sadly my credit has been a major road block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have 2 accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
15 U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
XXXX has Deleted XXXX XXXXXXXX off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, XXXX  and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, 3 investigations in a row. 
THIS is a HUGE violation of my rights

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 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
This account is fraud or identity theft! This isn't my account or something I did. This collection company hasn't made any attempt to verify to see if it was my account. This is a fraud account or fraud collection. Either way this isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: NJ

Complaint narrative:
I received a copy of my credit report and correspondence from XXXX, TransUnion and XXXX stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received a copy of my credit report and correspondence from XXXX, XXXX and Equifax stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: TX

Complaint narrative:
I am a natural person, I am a living human b

eing, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
It's now XXXX. I got a letter saying there was a judgment against me. that dates back to XXXX saying i owe XXXX. Then, the final judgement was revised 4 years later in XXXX with an outstanding balance of XXXX. I don't know why this is a thing almost 20 years later but asset acceptance llc contacted my place of work and threatened to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: PA

Complaint narrative:
Experian and XXXX are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership

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 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2023 someone sent funds to my PayPal account for goods and services that I did not provide. Immediately, PayPal was notified and it was requested that they cancel the transaction and refund the sender. Through a series of phone calls, spanning several hours, PayPal confirmed that the transaction would be cancelled and returned to sender. Instead, PayPal - unauthorized - went into my checking account and " refunded '' the sender by taking my personal funds. This is a gross overstep of their use of my personal account information. I am requesting that PayPal cancel the transaction and return funds to the sender WITHOUT taking money from me, that I have not received, from my checking account. PAYPAL HAS THE FUNDS SITTING IN PAYPAL, AS WELL AS THE FUNDS THEY HAVE STOLEN FROM MY CHECKING ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XXXX, I purchased three {$50.00} XXXX XXXX XXXX from my local XXXX  Store to give as gifts for XXXX. 
On XXXX, my daughter went to our local XXXX store and tried to use it and was told by cashier that there was no money on it. I then had my son check the other two {$50.00} XXXX XXXX XXXX and they had no money on them as well. XXXX told me to call XXXX which I did on XXXX. After over an hour the gentleman told me he would look into it and e-mail me something in 5 minutes. My case is # XXXX. 
I never received an e-mail, so I called again on XXXX. Again, after an hour of waiting the gentleman told me I'd have an e-mail in 12 to 24 hours. As of today, XXXX, I have not received an e-mail in regard to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delivery Financial Services, LLC
State: AZ

Complaint narrative:
I have Tried multiple times to dispute this collection since XX/XX/2022. With the credit reporting agencies and the debt collector directly. 

Delivery Financial ServiceXXXX XXXX This company has failed to violate the debt which is a violation of 15 usc 1692g The open date on my consumer report is incorrect. The date of service does not match the open date on my consumer report which violates 15 usc 1692e false representations.

They have failed as a furnisher to provide account level documentation which violates 15 usc 1681s-2b of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To remove all fraud alerts from all three credit reports and to remove lifts. Also my legal name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX not XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX so please correct it

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 2023-01-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To remove all fraud alerts from all three credit reports and to remove lifts. Also my legal name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX not XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX so please correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX has violated my right under the FCRA Accounts # XXXX XXXX Amount {$1400.00} Opened XX/XX/2021 Accounts # XXXX XXXX Amount {$1700.00} Opened XX/XX/2021 The above listed accounts were Charged-Off, however XXXX failed to provide me with 1099-C form for tax purposes. Secondly, they are reporting a balance amount on a charged off account that should be XXXX balance. 
These two accounts were over 75 % paid off before XXXX XXXX XXXX XXXX XXXX i infomed the company of my situation, they agreed to give me more time but didn't, the continued to bill my bank account until there was no more money then they charged off the account for over 400 % of the remaining balance. 
this is evil, unethical and illegal in my judgement. 
This is indirect violation of my rights under the law. Please help me, this is destroying my life and hurting my family. Thank you..

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 2023-01-05 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: TX

Complaint narrative:
Theres many accounts on my credit report that does not belong to me. Not only am I a victim of identity theft, but I also believe I've been wrongfully charged, and also never notified first for any of these negative items. I could have made them aware its not mines before destroying my financial image. Also the following federal codes has been violated when it comes to my rights. 
15 U.S. CODE 1605 15 U.S. CODE 1692 15 U.S. CODE 1635 ( F ) 15 U.S. CODE 1644 ( A ) 15 U.S. CODE 1662 ( B ) My FTC File number is XXXX I've also submitted all of this through the XXXX portal under my login, so theres no reason for XXXX to request verification docs.

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 2023-01-05 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: TX

Complaint narrative:
Theres many accounts on my credit report that does not belong to me. Not only am I a victim of identity theft, but I also believe I've been wrongfully charged, and also never notified first for any of these negative items. I could have made them aware its not mines before destroying my financial image. Also the following federal codes has been violated when it comes to my rights. 
15 U.S. CODE 1605 15 U.S. CODE 1692 15 U.S. CODE 1635 ( F ) 15 U.S. CODE 1644 ( A ) 15 U.S. CODE 1662 ( B ) My FTC File number is XXXX I've also submitted all of this through the XXXX portal under my login, so theres no reason for XXXX to request verification docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This is the second complaint against SPServicing, XXXX XXXX and XXXX XXXX XXXX. Loan # XXXX XXXX my duplex was flooded by XXXX XXXX. I received two checks from XXXX insurance and had to send them to SPServicing ; XXXX. SPServicing disbusted all with the exception of a little over {$9.00}, xxx.xx ; I funded the repairs from cash I had and got checks amounting to approx. {$49.00}, xxx a few weeks after I submitted the checks and SPServicing cashed them ; XXXX my homeowner insurance company sent me a check for {$18.00}, xxx again made out to me and to SPServicing on or about XXXX XXXX, 2022 ; I have not sent SPServicing the check yet because of points below : XXXX. No where in the mortgage notes does it state how SPServicing is obligated to release the funds. They seem to arbitrarily decide and to me it seems they are trying to make money out of the float and fees not disclosed on the mortgage note ; no where in their website do they disclose how funds are disbursed or the fees associated with their inspections. 
XXXX. I have been uploading all the information they require and have asked them on their website and by faxing to their insurance department all the documents their request ( adjuster estimate, and their required documents ) and my requests for clarification. They reject all the uploads ( adjuster estimate ) I made. 
XXXX. I have all of point 6 documented with PDF 's from their website and a fax to their office in XXXX XXXX XXXX. 
XXXX. SPServicing is making rules as they wish ; nothing is detailed in the mortgage note and/or on their website. They want consumers to send them the insurance checks so they can sit on them. 
XXXX. SPServicing should not be in the business to assess if my duplex can be lived in and 10. Please note, the XXXX on this loan is less than 15 % so I am unclear as to why they are so concerned about protecting their " investors. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: PA

Complaint narrative:
XXXX and Transunion are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership

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 2023-01-05 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX  and XXXX are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: GA

Complaint narrative:
This company has made harassing phone calls to my husbands family who I have no relationship with about a debt that was removed from my credit report due to identity theft. They made a false statement to those individuals and told them that I listed their information on an application as an emergency contact. This is completely false as I do not have a relationship with these people. They also claimed that they have a returned check from me, again this is a false statement as I do not own a check book or write checks. They have no authorization to contact me or any member of my family on my behalf.

Company response to consumer: Closed with explanation