vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$100.00}

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 2020-08-10 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$100.00}

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 2020-08-10 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}

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 2020-08-10 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}

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 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This complaint is concerning a false bond that was posted for my daughter my daughter was giving a XXXX term of XXXX XXXX but served a year in county XXXX when she was released there was a two week delay in processing her out I went to a bondsman for Assistance he stated that She had no bond and she was released but there was a hold up in her being released he stated that he could post a bond anyway and get her out me being ignorant to the bail system I gave him {$1000.00} to post bail she was released without bail he acted like he bonded her out but she was released because your time was done he also stated that when she was released she could put the remaining money owed to him in her name and she would be responsible to make the monthly payments my daughter was fully exonerated on an appeal and all charges were dropped he falsely posted a bail that was not needed and now it is appearing on my credit report this Was bad business and an injustice. She had Filed a Habeas corpus complaint that is the reason her release was held up but initially she was released and didnt need bail The debt was sold to AWA collections and its {$8900.00} this was from 2015 Interests applies daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020 in viewing my credit report I submitted a dispute regarding a fraudulent charge and requested this very old information be removed, XXXX responded by deleting, as a result my credit score increased. However, Equifax did opposite, dropping my score by 21 points. Both phone calls their agents directed me to " Obtain a Credit Counselor ". I find this scandalous. First your agency drops my score  then your direct me to a paid ... No other changes were made to my report within this 9 day period. Equifax offerred NO other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC
State: AL

Complaint narrative:
On XX/XX/XXXX I was furloughed from my full-time job due to the Covid-19 and I wrote my part-time job to informed that I would not return to work as well. I applied for unemployment on XX/XX/XXXX, because I received a letter from my full-time that I would be furlough till XX/XX/XXXX. I got approved for unemployment on Effective XXXX XXXX - XX/XX/XXXX but no longer receive due to returning to work at the part-time job. However, due to Covid-19 my full -time position was no longer needed per CFO. I decided to return to my part-time job on XX/XX/XXXX. Well on XX/XX/XXXX, I received a letter that my pay check will be garnish on XX/XX/XXXX and I was never at work to received the Process of Garnishment letter because I was out on leave and I was unable to respond in the 30 days time frame to the Debt collector. Now I am being garnish for {$6000.00} and not able to reduce the percentage. I feel that this is unlawful and I never even sign any court documents in the first place to even get my wages garnished or to know that my wages will be garnish. I feel that both parties should be held responsible.

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 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received a PayPal notification vie email ( XXXX ) advising that funds were sent to me in the amount of {$600.00} on XX/XX/2020. After several unsuccessful attempts to log-on to my PayPal Account i opted to reset my password. 
Resetting my password failed because my security control queries had two issues : 1. My phone number on file had changed for more than four years 2. My verification questions could not be answered correctly. 
Multiple daily attempts over a week to reach an agent at PayPal was unsuccessful. Direct contact with an Agent was not available due to call volume ... as per the voice recording from PayPal..Utilizing other contact options presented on their website such as the " Message Center '' and " Resolution Center '' was not useful as the majority of options except for a call into the automated phone service required that I had access to my account, which was the reason for the issue. ( I could not access my account ) The sender of the {$600.00} made several email requests to PayPal for assistance with my account access issue, this seems to have been ignored. The Sender have  also requested a cancellation or refund of the funds sent to me but this too seem to have fallen on deaf ears. Instead PayPal sent me another email advising that the Sender claimed that products were not shipped as required. This was not the case as the funds sent to me was a " Gift '' amount which was also stated in the email from PayPal I received originally on XX/XX/XXXX. The shell Office for PayPal at XXXX XXXX XXXX XXXX is empty, there is no one available here or any live contact. I visited the office last week hoping to get help but to no avail. I would like the funds returned to the Sender or have my PayPal account enabled so that l can access these funds as it was originally intended for medical purpose. 
The PayPal transaction Id 's related to this issue are : ( Receiver ) XXXX & ( Sender ) XXXX. 
There is an active case pending at PayPal, Transaction Details Case number : XXXX Buyer 's name : XXXX, XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Transaction date : XX/XX/2020 Transaction amount : {$600.00} CAD Your transaction ID : XXXX Refund amount : {$600.00} CAD - ( Pending ) Your kind assistance with resolving this issue which has been ongoing for 13 days is appreciated.I can be reached at the above email address or by phone @ XXXX XXXX XXXX for any further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I was notified by my credit monitoring that a Collection Item was on my account with a date of XX/XX/XXXX from IC Systems XXXX XXXX, MN attempting to collect a debt not owed from XXXX. 

IC Systems never sent a notice of debt collection. 

XXXX stated in a phone call on XX/XX/XXXX at XXXX Eastern Time with XXXX that the bill was a mistake, the equipment was returned on XX/XX/XXXX and to disregard the bill. 

I spoke with XXXX from XXXX on XX/XX/XXXX at XXXX Eastern Time, who  confirmed there is be a XXXX balance on the account. 

I have not received a bill from XXXX since. 

IC Systems is required to send a notice of collection, which it did not. 

XXXX has already removed the collection from my account after dispute, XXXX is still reviewing 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 2020-08-10 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$17000.00} XXXX XXXX $ {$16000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$210.00} XXXX XXXX   XXXX {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
This is not my account. I'm unware of this account and did not have the opportunity to dispute before this information was placed in my credit report. 

Please provide the validation of debt, method of validation and assignment of debt.

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 2020-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage company, Mr. Cooper did not pay 2 of my tax payments. I no longer get a bill so I was unaware that the payments hadn't been made. I saw that there was a large amount in my escrow account and called them on XXXX ( XXXX ). They told me I would not have to pay the late fee as it was there mistake. When I saw how much they paid I called them back on XXXX ( XXXX ), because I received a statement saying my house payment would increase due to a shortage of funds in my escrow account. I emailed the tax assessor to see what was paid by them and found out they had missed 2 tax payments, not one ( XX/XX/XXXX & XX/XX/XXXX ) and had to pay 2 late fees which they took out of my escrow account. They told me that they would credit it back to my account, but did not. I called again on XXXX ( XXXX ) and again I was told they would look into it and I should be reimbursed back for the late fee taken out of my account, I was told by the person I talked to that she would call back on XXXX. I never received any phone call or correspondence. The amount they owe me is {$330.00} for the late fee. My house payment went up {$70.00} a month to cover the shortage in my escrow account because they took too much out. This is causing a hardship on my finances as I am the only one working right now. When they took over my loan on XXXX, there was a credit of {$2700.00} at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX XXXX XXXX # XXXX. Because of my financial hardship, I stopped the payments of my credit cards in 2018. This yrs I am working so I called my credit banks to make some payment of my card debt. It was sold to Midland Credit Management. I made an arrangement agreement for the amount I can afford until it's paid in full. They also mentioned that I owed {$340.00} in the other card account from the same bank the XXXX. I said right away that isn't mine because we already discussed the payment on the card that I owed. I only have one account with XXXX XXXX XXXX. I disputed that one. They said they will put in dispute. Last XXXX, I got another letter and a statement of the credit card I signed the form disputed and mailed back to them. 

I got the same statement from the same card today. I called and I told the female Rep. with XXXX accented that this account is not mine why would XXXX XXXX XXXX give me two accounts? I mentioned that more often when a card is compromised the credit card companies will be closed the account and issue a new one. But I only have one account with XXXX XXXX XXXX. She then told me that since you were disputed this charge that you need to provide me a copy of a police report that I disputed this account. I am not going to waste my time going to the police Midland Credit Scamming me and I am the one who provides proof of the card account that isn't mine. 

This company makes me angry stressed out and to waste my time and energy for talking to them, I am working to pay for the bills that I owed. Someone has to stop these people from committing this kind of fraudulent activity consumers and how many of us never report them like I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AL

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports 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 gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-10 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$17000.00} XXXX XXXX $ {$16000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$210.00} XXXX XXXX   XXXX {$16000.00}

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 2020-08-10 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$17000.00} XXXX  XXXX $ {$16000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$210.00} XXXX XXXX   XXXX {$16000.00}

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 2020-08-10 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: TX

Complaint narrative:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-10 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX  XXXX {$3400.00} DEPTOFEDUCATONXXXX XXXX {$3400.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTOFEDUCATIONXXXX  XXXX {$6000.00} XXXX XXXX {$940.00} XXXX XXXX {$970.00} XXXX XXXX {$940.00} XXXX  XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}

Company response to consumer: Closed with explanation