vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CONTACTED XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
i have tried to get a credit card or a loan from a bank and for some reason my credit can not be pulled by this Equifax. when I even call them sometimes they wont even talk to me because on person may have put through the wrong information or the other one I talk to does and can some what talk to me. I have spent on the phone more than 3 hours at one time and then 2 with someone else. it has been wholly XXXX for me not to mention the bans that have turned me down because they get nothing when they pull it. I can not even pull it when I go on line and try. it is so unfair. my other two bureaus I can pull. I also requested for early release of 3 months before my bankruptcy because will be 10 years and they will not reply. but the other credit bureau has replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: VA

Complaint narrative:
I called the company ( Midland Funding LLC ) on XX/XX/XXXX, I was told I had a cease and desist on file but never sent one in. Once I updated the information on the website to remove the XXXX XXXX XXXX, I tried to talk to someone in reference to a settlement on the account. I was transferred from rep to rep and no one could or would assist me. I was than told that there was a judgment placed on XX/XX/XXXX on this and they could not give me a balance owed at this time and I would need to call back on XX/XX/XXXX. I called back and on the XXXX and I still could not get a balance owed on the account. I called back a few hours later and was placed on hold for over 10 minutes. I called back again and asked to speak to a supervisor. XXXX ID 'd herself as one and stated the balance could not be given. I than asked if I could get proof of the judgment. She placed me on hold and a few minutes later a XXXX came to the phone and I asked him for the proof of judgement. He advised that he would see if they could get it but he now had a balance. He stated that it took some time to get it because of the judgment and they had to make sure all fees and or interest was included. I asked if there was a judgment on the account than why was it not with the legal department? I than asked for a supervisor so I may settle this account, he offered account rep. I advised that I was at work and asked if someone could give me a call back and he stated no. I advised him that I will be filing a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Equifax XXXX XXXX XXXX XXXX These are my complaint numbers from CFPB All 3 credit bureaus wanted a police report and identity theft report. Copy on my drivers license. 
For there investigation on XXXX XXXX. 

I am a victim of identity theft. I never opened an account or loan from this company. There is no inquiry from this company on any of my credit reports. All three credit bureaus have a fraud alert on file. No one from XXXX XXXX contacted me to ask is it was me for this loan. My phone number is on the fraud alert. I call their customer service number. It goes straight to voice mail. This maybe a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CA

Complaint narrative:
There are 2 hard inquires on my credit report that I did not authorize. Ive also disputed the account as well. The company said that they will correct it. However they havent done so and will not get back with me. I filed a dispute. After later calling Equifax to check on the status, the rep & supervisor told me that the did an investigation and the other party did not respond but they will not delete the inquires although I did not authorize them and have proof. The rep and supervisor said that the are factual records even though the other party did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: AR

Complaint narrative:
I was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my report.

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 2020-02-28 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: AR

Complaint narrative:
I was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my report.

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Good afternoon. We're reaching out to you in the hopes that you will assist us with reinstating our loan with PennyMac Loan Servicing. 

We fell behind on our mortgage payments due to Medical hardship and are currently eight months behind. We decided to withdraw the reinstatement amount from our 401k a month ago and requested the reinstatement figures from PennyMac and their representatives XXXX XXXX on XX/XX/XXXX Wihout those numbers, XXXX XXXX XXXX will not release any funds. We finally received the payoff quote yesterday, the XXXX and we've been trying all day today to obtain account and routing number information from PennyMac, in order to make this payment. 

So far, we've called four times and have spent a total of almost two hours on hold. We've also called their representatives XXXX XXXX and been put on hold, only to be listening to the same music as the music that PennyMac has. It's clear that these two organizations are under each other 's umbrellas and are working in coordination to make it as difficult as possible for us to reinstate our loan. 

This is an emergency and a very urgent matter - our sale date is XX/XX/XXXX, worse than that - the payoff quote that they provided is only good through the end of XXXX. Please reach out to me at your earliest convenience. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
For the month of XX/XX/2019, apply for a loan at a bank in Puerto Rico. It was denied because an uncollectible debt of a XXXX XXXX XXXX credit card appeared, which I had closed this account more than 10 years ago. I have tried to communicate with them to give me the details of the alleged debt I made at about {$6000.00}. They can not give me information by phone because they have no way of confirming my identity, since they do not use a social security number. I must present myself to a branch and in Puerto Rico there is no presence of this bank. This debt affected my credit, debt that I never had knowledge that I had because the account was closed, must have been fraudulent charges. The loan was not approved because it affected my empiric. XXXX XXXX XXXX does not want to help me, I am XXXX years old and I have always had excellent credit, I am looking for alternatives to help me solve this issue. 
spoke with XXXX from XXXX XXXX XXXX on XX/XX/XXXX. Also with XXXX and the answers have been that I have to go through a branch for account details because they can not confirm my identity with social security or address. The phone number that appears on the system is no longer available. I can't find what else to do, I'm very worried.

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 2020-02-28 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:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.

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 2020-02-28 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 applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have mailed in 2 separate debt validation letters to Portfolio Recovery Associates for Account # XXXX & # XXXX requesting that they provide me with information as to what these accounts are for. I have requested that they provide me proof of where I had an agreement with them or an line of credit, as I have not. They have mailed me nothing but photo copies of some statements that XXXX knows whose they are. I am requesting they provide me physical proof that these accounts are mine. I don't understand how they can just buy someone's debt with no proof. I've done my research and hear that this is quite common for Portfolio to purchase debt from creditors with no valid proof so I am a bit baffled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I am writing to report multiple violations to the Free Credit Reporting Act. XXXX XXXX XXXX is reporting a related to fraud item to the credit bureaus. I tried to solve this issue with them in the past by sending them a dispute letter. Up to today, they have failed to help me. 

I am demanding thsi company a deletion letter and to remove the following item from my credit report : - Kay Jewelers. Account # XXXX, opened XX/XX/2016. Closed date XX/XX/2016. Limit {$1400.00}, balance {$0.00}. 

If they fail to honor my request, I am willing to let a court decide. Here are the violations that the have committed : - Failing to validate debt - Unfair business practices. - Negligence. - Breach of contract. - Reporting false and erroneous information. Violation to section ( 609 ) of FCRA. 

Please send the attached documents to Kay Jewelers. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME CREDIT CARD ACCOUNTS AND A LOAN ACCOUNT. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE UNDERSTAND THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IA

Complaint narrative:
At The End Of XX/XX/2019 I Applied For A Loan From A Company Called Zoca Loans Because I Was Behind On Bills & Needed To Catch Up. 
I Recieved The Amount Of {$550.00} .I Was To Make 12 Payments Of {$130.00} To Pay Off The Loan! I Double Checked My Payment Schedule & Discovered They Were Charging Me {$1100.00} In Interest! Which Meant That I Was Paying Roughly Triple What I Borrowed! In XXXX I Called Them & Asked If I Could Skip 1 Payment Because Once Again I Was Behind On My Bills They Told Me I Could But That My Next Payment Would Be {$230.00} To Make Up For Missing The 1 Payment! I Told Them To Just Forget It & The Payment Out As Usual But They Didn't & After I Thought I Had Paid The Loan Off I Received An Email Saying I Still Owed {$900.00} Because I Missed A Payment & Had Accrued Interest! I Called Them To Get It Straightened Out & They Said They Could Clear The Debt If I Paid {$350.00} So I Complied! But All Totaled I Ended Up Paying {$1800.00} {$550.00}! On One Hand I'm Glad I'm Done With Them & I Will Never Get A Loan From Them Again In The Future But On The Other Hand I Feel Their Lending Tactics & Interest Rates Are Predatory & I Should Not Have Had To Pay That Much! I Also Have Been Receiving Loan Offers From Other Companies Via Text Messages So I'm Pretty Sure They Have Given My Information Out To Other Loan Companies!

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