vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XX/XX/2020 at XXXX XXXX, I answered a call that showed up as " Restricted '' on my cell phone. The person who called asked for " XXXX. '' I said I was XXXX, and he transferred me to another line. The person asked if I was XXXX. I said yes. At no time did he ask for my last name. After repeated requests for identification, he identified himself as " XXXX XXXX '' ( unsure of spelling XXXX from Midland Credit Management. He stated that there was a pending lawsuit against me regarding some XXXX credit card debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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: IL

Complaint narrative:
I have been working diligently with CFPB and creditors regarding removing erroneous credit information on my XXXX  report. After working with the CFPB and the creditors directly, it was determined that the following items would be removed from my XXXX  and Equifax report. To date the following that was agreed to remove are still showing months later have resolution was rendered. I'm asking again, to have the following items removed from my XXXX  and Equifax Report : XXXX XXXX 60 day late payment removed from XX/XX/2013, XXXX XXXX 30 day late payment should be removed as creditor agreed that, this account should not have any late payments reported and deemed incorrectly reporting on my credit report. XXXX Bank Case # XXXX removed as it was determined that, the ( 2 ) accounts negatively reporting should be removed as no record was found. I'm requesting that these items be removed immediately from my report as this has cause a great hardship on me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I don't even know how to describe what's going on here. Credit Acceptance started reporting me late on an account that they had charged off awhile ago. I don't think this is correct. I do not believe I can be 120 days late for the last 4 months on a charged off account. PLEASE HELP ME! This is destroying my credit!

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 2020-08-19 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: TX

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One reduced my credit limit on my personal account from XXXX to XXXX for no apparent reason. I have never missed a payment. Always pay the balance in full. I was only notified via an email of this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: OR

Complaint narrative:
On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request Experian remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information 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 2020-08-19 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
There are 2 unauthorized hard inquiries on my credit report. 
Comenitycapital/XXXX  Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 I never applied for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
In my mind your company does not seem to have a problem with harassing individuals with erroneous debt. I never agreed that I owe any money at XXXX XXXX XXXX  because I do not. As I previously mentioned, I do not know if that address exists. I never lived at that address and if you put any debt amount for that address on my credit at any time, I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / ESA All accounts ( There are like XXXX of them )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX  XXXX {$580.00} XXXX AR XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-19 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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / XXXX All accounts ( There are like 5+ of them )

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 2020-08-19 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: VA

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / XXXX All accounts ( There are like 5+ of them )

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 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: TX

Complaint narrative:
USCB has reported a collection account to my consumer credit file in the amount of {$640.00}. Account # XXXX. I do not owe this alleged debt. If USCB has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that USCB is attempting to collect on. USCB has no legal right to attempt to collect a debt. USCB has not validated this debt nor sent me a notice of collection. USCB is in violation of the FCRA and the FCDPA.

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 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WI

Complaint narrative:
I received a collection letter from Afni, Inc. ( see attached ) attempting to collect {$1200.00} Creditor XXXX XXXX. We have not done business with XXXX XXXX for over two years, and all equipment was returned and no balance was due. We have not received any notices from XXXX XXXX, and this account has not showed up in any Credit Reports. I'm starting to think I'm on some sort of scammer list, and these collection companies are sending letters just to see if I will " bite '', and send them money. I will also attempt to file a complaint with the Wisconsin Attorney General Office. Any assistance would be greatly appreciated. Thank you. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
i get collect from this company, my payment never was late, i already pay 5 years ago and they continue show on my credit reports XXXX, can you please delete thanks company name HELVEY & ASSOCIATES IN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
My ex spouse took dog to vet to XXXX XXXX  XXXX XXXX in XXXX KY and they let him leave without paying. They then billed him at his address, which he didn't bother to pay or open because I am sure it had my name on it. The vet office used my account for the visit instead of his XXXX XXXX. I then starting getting collections phone calls for something I had no knowledge of. I went to the vet office to investigate and was told what it was. I mailed a check for more than the balance just to get the phone calls to stop. The bill was XXXX I mailed XXXX they are still trying to collect XXXX for the visit. I have disputed it over and over. I am tired of it being on my credit even after I paid for the visit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$580.00} XXXX XXXX XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-19 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$580.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
My credit score dropped significantly and when I asked, they said there was a debt collection agency that reported I did not pay my debt. I did not know about this bill for {$28.00}, and NEVER received any mail, email, and/or phone call from Suburban Credit Corporation. When I called them, they said they are not sure why it was not sent. I immediately paid the bill, and they promised to send me the receipt. I did not receive the receipt for 9 days. When I called, they said their systems are not working and receipts are not usually sent these days. I did not receive any receipt for my payment as well. So overall, I was never notified about the debt, their systems are not working and my credit is massively impacted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
My daughter, XXXX XXXX, was involved in a car accident back on XXXX XX/XX/XXXX. She was seen in the emergency room in New Mexico ( XXXX XXXX ) shortly after the accident. I was XXXX XXXX military at the time and she was under my insurance, XXXX XXXX. Since then I received letters from them to pay the debt. The bill was sent to XXXX and it was taken care of. After that, beginning in XXXX approximately Commonwealth Financial has repeatedly tried to collect the debt. I have tried to have the bill taken care of since then with XXXX, but it is still showing on my credit report. 
The bill amount is {$700.00} and was originally being billed by XXXX XXXX XXXX. It is now with Commonwealth Collection with the account # XXXX. I have submitted proof of insurance coverage for my daughter beginning XX/XX/XXXX until now. That is still apparently not enough for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN

Complaint narrative:
I owe an outstanding debt with XXXX XXXX/XXXX in the amount of {$1600.00}. It is now with a third party, Crown Asset Management. I understand that I failed my obligation to pay this debt I owe ; however, as a single parent I had financial difficulties resulting in my inability to pay. I had to repair my roof, replace my air conditioning unit, as well as fix my basement from a flooding incident. I have some funds available to settle this debt and they have refused my offer. I am in no way denying I owe the full balance ; however, my attempts to reconcile this with a more than fair offer to settle should be considered. I would like to settle this debt in full in the amount of {$800.00}. 50 % of the balance is a fair offer considering the third party purchased the debt pennies on the dollar. If approved, I can pay this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: MD

Complaint narrative:
I received a copy of my credit report and found inaccurate accounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Credit Card information is reporting on my credit inaccurately which is hindering me from getting approved for a new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
We have a conventional loan, so legally the PMI should have come off when we had the loan paid down to 80 % by request, or 78 % automatically. This 78 % threshold was reached approximately three years ago, we are now down to approximately 60 % of the loan, the mortgage company ( PNC ) only stopped the PMI off last month after we called them about it. They are not repaying us for the extra PMI payments we have made over the last 3 years, they also appear to have misfiled our mortgage as a FHA loan in the fact that on our statements it shows up as MIP payment instead of PMI as it should say for a conventional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed an error on my report and it was removed in XXXX. It was removed because it failed to be validated by the collections agency. Transunion reinserted it again today without any prior notice.

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 2020-08-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with Equifax about the unverified account : XXXX XXXX   account # s XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. I disputed the same account with XXXX credit bureau in XXXX and it was deemed unverified and XXXX removed it from my credit files in XXXX of 2020. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you

Company response to consumer: Closed with explanation