vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Previously I had been dealing with XXXX and XXXX ( I believe that was the name of the other woman ), and both were very nice and cordial. This past week, I have been receiving phone call after phone call from a man whose name is XXXX. He has been very rude and hostile on the phone, and calling 7-8 times a day, plus calling my work, even after I had told him he can not contact me on the work line ( Tuesday, XXXX ). It is not to be used for personal phone calls, and yesterday afternoon ( Friday, XXXX ), he called my work yet again, and was disrespectful, and threatening the individual who answered the phone. He was hostile and using profanity, and threatening him and would not identify the name of the company he was calling from. This is by far unacceptable, and every phone call received and outbound is recorded. I would be happy to provide the recorded conversation if necessary. I am now possibly going to have to face consequences for him continuing to call the work lines, and his hostile behavior towards another employee. I have never had any issue with anyone other than XXXX, and nobody else has behaved in this way until now. It could possibly jeopardize my employment with my fairly new job. How does he expect me to catch up on my payments if I were to lose my job due to his behavior, and continuing to call the work lines. This is unacceptable and I am not comfortable discussing anything further with him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit 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 non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my Equifax credit report today XX/XX/19 at XXXX XXXX XXXX   and my mortgage account information is not up to date. It reflects the last payment as of XX/XX/2019. Equifax has consistently reported inaccurate mortgage information. Plus there is still another investigation that still has not been resolved from XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this 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
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX my husband and I began the process of purchasing a home and I gave our apartment complex, XXXX XXXX XXXX XXXX XXXX, 60 day notice that we would not be renewing our lease. I did this through their online portal and by mail. We were able to close on our home and move out of our apartment one month  before our lease was to be up. I spoke with a company representative and agreed to pay the last months lease but was asked to turn the keys in early as they had a new tenant waiting for the apartment. I turned in our keys and provided my mailing address for my final bill. I heard nothing from the apartment managers until XX/XX/XXXX when they filed an {$5900.00} collection against me and my husband claiming we had broken our lease ( {$2300.00} ) and charging us a notice fee ( {$2300.00} ) plus two months rent when only one was owed. Additionally IQ Data is attempting to charge us interest on this debt we do not owe bringing the total to {$8500.00}. This is not a debt I owe, I feel the leasing company took advantage of my good intentions and non of this would have happened if I hadn't turned my keys in early as they requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: TX

Complaint narrative:
Upon pulling my yearly free credit report, I became aware of a collections account from AFNI, Inc on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$320.00}. I never received notification regarding the collection of this debt ( despite federal law requiring notification within 5 business days ), I never received any communication from this debt collector at all and they've supposedly had this debt since XX/XX/XXXX. This account with the original creditor was closed in XX/XX/XXXX and I reached out to XXXX in XX/XX/XXXX ( before finding out that I was in collections ) to make arrangements to return their equipment as they never at any time sent me instructions to return it and no XXXX XXXX would accept it. XXXX XXXX  ( XXXX ) never provided a final bill despite the company having my new address despite the fact that they themselves closed the account due to my new place of residence not allowing a transfer install. 

I attempted to get information XXXX to get information about any possible outstanding balances at the time I made arrangements to return the equipment, and was told that they could not provide 100 % accurate information due to it being a closed account but they guessed it would be around {$80.00} and would send me an invoice - that was not done. So, either XXXX held onto the debt and not notify me of any outstanding balance so it could be sent to collections or ANFI, Inc held on to the debt for nearly a year and half so they could reage it whenever. 

I have made multiple attempts to dispute the debt through CRA and ANFI claims that it fits the rules of the FDCPA - which does not. 

Either way, I was never notified by XXXX or ANFI that I owed any money and the exact amount I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX  XXXX XXXX # XXXX, # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXXXXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland Funding LLC had filed a default judgement against me that was a result of identity theft, and are currently garnishing my wages. I was never served a summons for court to defend myself and never received any communications regarding what was going on. I was very surprised when I received an email from my HR department alerting me that they have been mandated to garnish 25 % of my bi-weekly paycheck to Midland Funding in their attempt to collect a debt that has an unpaid balance of {$140000.00}. I was informed that they are obligated by law to start garnishing as soon as possible which started on XX/XX/2019 and is still on going. I was very distraught with this and promptly responded to my HR to see if there was anything that could be done about it. I was informed that until they receive something from the law firm ( XXXX XXXX XXXX XXXX ) letting them know that the issue has been resolved, their hands are tied by law. I could not believe what was happening as I had no idea that I had a credit card with XXXX  XXXX, or that I was sued by Midland funding, and as a result of not knowing all this, they were automatically granted a default judgement because how could I have defended myself if I had no idea on what was going on which I didn't as I never receive a court summon or any sort of communication. 

I immediately went to check my credit report from all three credit bureaus which is something I have not done in a while and immediately noticed that they had also reported this on my credit and Midland funding have also acquired another supposedly debt from XXXX XXXX with a {$660.00} unpaid balance. I immediately contacted midland funding mainly discussing the account with {$140000.00} which they are currently garnishing my wages for. I explained to them that I am a victim of identity theft and never submitted a XXXX  XXXX credit card application or XXXX  XXXX collection and I never received a court summon any communications. They asked me about an address on file which was not my correct address, and I told them so. I was told that there is nothing than can be done about it because they now have a default judgement and will continue to garnish my wages. I went on to file a fraud alert and dispute with all three credit bureaus as outlined in FCRA section 609 form asking them to verify proof of the debt with physical verification of an original signed consumer contract and have been responded with verified as accurate which is still not in agreement with the law, thus continuing to be in violation with section 611 -noncompliance and continuing to damage my report and garnishing my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
In XX/XX/2013 I closed my account with XXXX and returned the phone I had leased through them. I was told that there would be no further billings from them. Recently while applying for a home loan I discovered there was a {$2000.00} collection taken out against me and have been unable to contact a representative who was able to explain where this debt came from. I have also tried to dispute this account now held by Jefferson Capital with the credit bureaus. I do not believe this is a justifiable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted numerous complaints to Experian to no avail to advise I have been a victim of identity theft and the following accounts do not belong to me. they refuse to investigate further.

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously sent ( 4 ) certified dispute letter requests to Trans Union Consumer Disputes dated XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 to either verify and if it could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided? They are in direct violation of the Fair Credit Reporting Act

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i was looking over my report and i noticed that address and phone number information was inaccurate or not mines XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Received a letter from XXXX XXXX XXXX in XX/XX/XXXX regarding an invoice stating we owed money. Contacted the company immediately upon receipt and was told by them they they did not have to provide any information to validate debt ( which they have to provide under the FDCPA ). I disputed the debt as I didn't know what it was for. I have made several attempts over the last two years to have this removed and company refuses to do so, despite not wanting to follow the law regarding debt collection practices. I pulled my credit report this year, and noticed that the debt had been sold to a debt collector National Credit Systems in XX/XX/XXXX. Despite them accruing the debt at that time, I have not received any letter from them to verify the debt. I attempted to dispute the debt through CRA due to the failure to provide proof of validation of the debt and they continue to fight it, but also refuse to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've had a hold placed on my account for 3 days!! Every time I'm on hold over 1hr and no one ever picks up the line. I've attempted to resolve 3 times with no luck. Have no access to my money

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i was looking over my report and i noticed that address and phone number information was inaccurate or not mines XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i was looking over my report and i noticed that address and phone number information was inaccurate or not mines XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted numerous complaints to XXXX to no avail to advise I have been a victim of identity theft and the following accounts do not belong to me. they refuse to investigate further.

Company response to consumer: Closed with explanation