vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a unauthorized credit inquiry on my credit report. The reporting of this inquiry is violation of USC 1681. Please remove it from 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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My mortgage, car loan, and credit cards do not show on Experian. They are all open accounts and show on XXXX and XXXX but not on Experian. Please update my credit profile to show my open credit 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 non-monetary relief
Consumer complaint received 2021-02-02 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: ERC
State: FL

Complaint narrative:
ENHANCED RECOVERY CO L is reporting a COLLECTION ACCOUNT and a LATE PAYMENT ACCOUNT on my XXXX and XXXX credit report. Thesea accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland funding won two judgments against me in 2017. 

We received letters of satisfaction for said judgment, but they continue to garnish my wages. 

They have collected over and above the amount owed, per the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Over the past month approximately, I have received several phone calls from a restricted/unknown number. Each time I answered the person calling would say they were calling regarding a personal business matter and needed me to verify my personal information. 

Each time the call came in from a restricted number, I answered and I asked the caller to identify what company they were calling with or who was calling and when I asked this. They would not identify themselves, but said it was regarding a personal business matter and first needed to verify my personal information. Each time I informed them that I was not giving my personal information out over the phone unless they identified themselves. ( With 17 years working in the XXXX XXXX XXXX and knowing how scammers work, I was not giving my information to a caller who restricted their number and would not identify themselves. ) On XX/XX/2021, I received a notice from XXXX XXXX that my credit score had dropped 42 points -- that there were six new collection accounts placed on my credit report by Alliance Collections located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, WI XXXX. I immediately called Alliance Collection Agency and spoke to XXXX. 

I asked XXXX why they did not contact me by phone regarding this debt ( from XXXX XXXX XXXX in the amount of {$2200.00}. ) XXXX said they had called me eight times and that I refused to give them my information. I explained to her that I do not give out my personal information to callers who do not identify themselves especially when they are calling from a restricted number. I also asked her why six separate hits were put on my credit report and she said because that is how the accounts were sent over, even though they are all from the same party, XXXX XXXX XXXX. ( Because they listed it as six debts despite all being from XXXX XXXX XXXX, it had a huge negative effect on my credit score that I have worked so hard to rebuild after my divorce. ) I explained to XXXX that they called from a restricted number and then would not identify themselves, so I was not giving out my personal information or verifying it because I was afraid of identity theft/being scammed. I told her I would've gladly cooperated with them had they identified themselves because I'm currently making bi-weekly payments to another debt collector for medical bills I have incurred this past year -- all these medical bills are due to XXXX XXXX XXXX and XXXX XXXX XXXX  and losing a large portion of my income due to Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: MS

Complaint narrative:
TransUnion XXXX  and XXXX  are reporting false information on my credit report. I filed a dispute its been over 30 days please remove XXXX XXXX XXXX from my file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Experion charged my XXXX XXXX credit card XXXX for a Experion membership on XXXX XXXX. I called XXXX XXXX to dispute the fraudulent charge. I have in the past ordered services from Experion credit reports. I did not start a paid membership or a subscription. Experion just charge my credit card account without my agreement orauthorization. I have had to make hours of phone call requested another card sent to me. Conference call withExperion and XXXX XXXX to cancle a quote memebership that I did not sign or authorize. The phone number for Experion is so bad. I have to lie to the automated system and tell them I am business to get a human being to answer. Experion is a credit bureau their business model and the way they do business is criminal. The government needs to step in and make Experion pay for its corrupt business practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello I have a second mortgage with Specialized Loan Servicing and I been trying to get get forbearance or loan modification and have send all the documentations they needed multiple times and when I call them even their systems says we have all your information waiting for review and when I log in it says the same thing. Its been months and nothing has happened and we are in pandemic which most mortgage companies help right away like my first mortgage took one day to put me on forbearance to buy me time during these hard times. This company should be ashamed of themselves since they are very unorganized. Every time I call every agents do not know what is going on. I am on a fix social security income and now since they drag this so much now when I called today they said they want a new one like Social Security changes. 

I need help to resolve this since they are just so bad in helping people in these hard times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: VA

Complaint narrative:
The accounts listed are not my account nor did I give permission to the creditor to open the accounts on my behalf. When some of the accounts were opened I was very young and weren't using or applying for credit. I've disputed the accounts a couple times requesting validation which I haven't received as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the past 60 days I sent you a dispute for hard inquires I didn't authorize with a FTC report stating I been a victim of identity theft, I send out another FTC report 2 weeks ago which they said they didn't received it, I also called and they couldn't help this matter. 


I have filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigations results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed erroneous accounts that are present on my Equifax, XXXX XXXX XXXX  reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
I have previously submitted a complaint in this matter to XXXX XXXX  Card Services XXXX Complaint ID XXXX XXXX XXXX. Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX XXXX  even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
I have previously submitted a complaint in this matter to XXXX XXXX Card Services XXXX Complaint ID # XXXX XXXX Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX XXXX XXXX XXXX even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
I have previously submitted a complaint in this matter to XXXX XXXX Card Services ( Complaint ID # XXXX ). Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX XXXX  even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
On XX/XX/2017 Portfolio Recovery added a derogatory remark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtors/creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it is mine. According to FCRA, Portfolio Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NY

Complaint narrative:
I have disputed erroneous accounts that are present on my XXXX XXXX XXXX  TransUnion reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Account Management Resources
State: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
Someone else is using my XXXX XXXX XXXX XXXX XXXX to their purposes on the PayPal platform. 
I received a collection letter and a XXXX stating about business that has been done using my XXXX, this is something that I never did!!! 

PayPay allows someone else to use my company information to their needs without my k knowledge until today and this causing me a lot of frustration and time consuming. 

Please see attached doc with the collection letter and the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC
State: AR

Complaint narrative:
On XX/XX/2021, I received repeated calls from the following telephone number : XXXX. There were total of five calls, back to back, with the same voicemail left every time. In the voicemail, the caller identified herself as a XXXX XXXX and requested a call back to a different number, XXXX. The caller stated that if I did not call back, a " demand notice would go out in the next XXXX hours. She did not say the nature of a " demand notice '' or a call ( e.g., this is an attempt to collect a debt or a similar statement ). 
Additionally, this same person called my husband and my sister-in-law. The same voicemail was left on my husband 's number, as well as a request to provide my residential address verification. My sister-in-law answered the call, the caller asked if she knew me, my place of employment and to verify my residential address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation