vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 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 received a notification a few weeks ago I had a new collection which was odd but was on the road XXXX XXXX. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017XXXX Department Stores XXXX XXXX Department Stores XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) with XXXX XXXX   XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) with experian XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX  ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )

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 2020-02-07 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: NV

Complaint narrative:
I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

transunion US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX inquiries 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 Trans Union XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX 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 2020-02-07 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : NSTAR/COOPER Late Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this  happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
This account have been on my credit report for the amount of {$2800.00}. I have disputed this XXXX   credit card account many times and as of todays date they are still reporting beyond the 3 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 3 years. I have requested payment history but they have not been able to produce it. This account was opened in XX/XX/XXXX and has had missed payments starting in XX/XX/XXXX. I was able to obtain this information from their collections team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NV

Complaint narrative:
I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

XXXX  US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX inquiries XXXX XXXX Equifax 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 equifax US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX Equifax 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 XXXX  XXXX XXXX XXXX XXXX  US Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NV

Complaint narrative:
I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

XXXX US Bankruptcy Court XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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 US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 inquiries 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 XXXX XXXX XXXX XXXX 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 2020-02-07 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: KY

Complaint narrative:
I was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX with XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX  with equifax and XXXX  I also tried to call in to get security freeze removed again and was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone Ruining my Financial Stability, Harrasing me, Been treated as an Experiment for you all Purposes. 
What about civil rights and My privacy rights been Violated. 
Just a simple Information Was Not Yours Don't Fix The Chaos Created in my life. 
I don't Approve the Solution Process been addressed in private that's why i request help in public to clearify myself. 
Now Respecting To Wells Fargo They Open a New Account On My Name Online But I Went to the Branch physically and They didn't let me open a new account and the guy even told me he wasn't going to be able to help me thru the process of resolving my identity theft issue. I went to the Branch a Month ago to make corrections in my name and It got worst with Now setting me as a Business With a TIN instead of an ITIN I have and Still got promised a Debit Card That never got delivered.

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 2020-02-07 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: KY

Complaint narrative:
I was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXXXXXX XXXX with transunion XXXX XXXX XXXX i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  and XXXX  I also tried to call in to get security freeze removed again and was unable to do so.

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 2020-02-07 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: KY

Complaint narrative:
I was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  with XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  and experian I also tried to call in to get security freeze removed again and was unable to do so.

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 2020-02-07 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 had identity theft happen to me with a XXXX  secured card. I have told XXXX  and equifax many times they refuse to remove. i need this removed or i will take legal action. i have been advised unless they can show proof how they say this is mine they must remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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 have had identity theft happen to me with a XXXX  secured card. I have told experian and XXXX  many times they refuse to remove. i need this removed or i will take legal action. i have been advised unless they can show proof how they say this is mine they must remove.

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 2020-02-07 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: GA

Complaint narrative:
On XX/XX/XXXX, I wrote a dispute letter to Equifax in reference to : Inaccurate Information on My Credit Report : US Bankruptcy Court-Atlanta-Case # XXXX US Bankruptcy Court-Atlanta-Case # XXXX ( See Attached ) On XX/XX/XXXX, Equifax received the letter. ( See attached ) On XX/XX/XXXX, Equifax completed their investigation and the results were : We have verified that this public record item is reporting correctly, on both. 
( See Attached ) On page 1 of my Equifax Credit File, Equifax states, If your dispute involves a public record item, Equifax contacts a third-party vendor to obtain the most recent status of the public record. ( See attached ) On page 3 of my Equifax Credit File, XXXX is listed as that third party vendor. 

On XX/XX/XXXX, I received a letter from XXXX providing me a Security Freeze Confirmation of my file. ( See attached ) On XX/XX/XXXX, I received my Equifax Credit File that outlines the Verified Items Reporting Correctly. I called and spoke with ( 3 ) employees ( XXXX, XXXX, and a 3rd gentlemen who did not give his name ). All employees were from the XXXX XXXX XXXX   Department. According to each employee, they verify the information by sending an electronic notification to the Court and they verify that the information is correct. 

On XX/XX/XXXX, I received a letter from Deputy Clerk-XXXX  XXXX, from the United States Bankruptcy Court of Atlanta ( See attached ). The letter states, The Clerks Office does not provide information to credit reporting agencies. 
I asked each employee can they provide me the names of the person ( s ) who verify the information accurately ; and they could not provide me with the names. According to FCRA 611 ( a ) ( 7 ), I was requesting a complete description of all methods used to investigate my aforementioned dispute. 

Also according to Federal Rules of Bankruptcy Procedure Rule 1005- a debtors last four digits of the social security number are used.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
I paid XXXX XXXX XXXX the full amount of the debt that they are reporting on my credit in late XXXX or early XXXX of 2018. I spoke with them on the phone and gave them full payment. They said at that time that they had already began the process of sending it to a debt collector but they were going to remove me from their file. A few weeks later, I started getting calls from a debt collector and I explained to them that I had already paid this. I disputed the debt, spoke with XXXX XXXX XXXX, and it was removed from my credit report. The debt has since been re added by a different debt collector known as Franklin Collection Services. I never received any notice from this debt collector that they were putting anything on my credit. I spoke with the debt collector this morning and let them know that this has already been paid and that I never received any written notice of this. The agent refused to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Egon Singerman, Attorney at Law
State: WA

Complaint narrative:
Was told by The Firm I only have 10 days to dispute the debt. When I contacted them at XXXX PDT on XX/XX/2020 was told that it is only 10 days to dispute it I am wrong its not 30. When I said MR. XXXX XXXX is not licensed in my state I was told that don't matter they can sue me in Ohio. I do have an attorney retained for bankruptcy and called to let them know that. I am also disputing the validity of this debt. I would like Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I am a co-signer on this loan, I have a court ordered repayment plan dated XX/XX/2013. Payments have been made every month as the repayment plan required. They still attached my State Income Tax Refund. Due to their incompetent bookkeeping methods, they have pulled me into court for garnishment a half dozen times since and have lost every time as I can prove the payments. No garnishment can take place as long as all payments are timely made. We do not trust them. I live with the signer and she pays them with Money Orders because when ever they get the itch they will sweep your checking account. This also has happened. Then you don't have the funds to pay your bills.You have to go to court to even ask for your money back, you usually don't get it, you lose work time and who knows what else. They are harassing me. Punitive steps need to be taken. I have to take time off from work for all of this etc. I don't get paid for this time and inconvenience for their issues. The company is WWR working for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I applied for a vehicle loan with Capital One Bank, I was pre-qualified, I advised them I was self employed and receive a monthly check from XXXX XXXX XXXX, I advised them the money get deposited in my account monthly, I was told to submit 3 months of bank statements showing the money is being deposited in my account, I did that, no where on Capital One application did it saw they would be looking at all my transactions and would base their decision on that. Capital one clearly said the needed to see the money being deposited. My other transactions has nothing to do with them. I was denied based on my other transactions.

Company response to consumer: Closed with explanation