vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XXXX  requested I pay for internet service for three out of four weeks when I no longer had service with them after moving out of my home on XX/XX/2020, after losing my job due to the pandemic. I returned their equipment at move-out. XXXX  said if I didn't pay the last monthly invoice they would take me to collections. They said they have a new policy where they do not prorate the bill. I didn't pay ( for service I never received ) and they sent the unpaid bill to collections. The collection agency filed with all three credit bureaus which have lowered my credit score and affected my ability to rent again now that I am re-employed. I sent a letter to Management appealing the bill but never received a response. Recently I filed a complaint with the FCC. XXXX  finally called me. They apologized and said there was nothing they could do. I owed the money despite vacating my apartment and not having internet service for the majority of the time for the last invoice. They told me their policy is no pro-rations period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NV

Complaint narrative:
I have sent documentation to have this address that is incorrect on my experian credit report removed along with accounts and a bankruptcy that is attached to the incorrect address showing on my experian credit file. The accounts linked to the incorrect address are XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and chapt XXXX bankruptcy. The incorrect address is : XXXX XXXX XXXX XXXX, XXXX, Ohio, XXXX. The address on my Experian credit is not my place of residence and this could lead to further identity theft as well as fraud. These accounts and bankruptcy could be sending information to this incorrect address. I have sent a certified Ftc affidavit, and the response I got from the bankruptcy courts. Experian stated the " VERIFIED '' the bankruptcy with the courts and that is false and a lie. The Bankruptcy and the accounts associated with this address need to be removed immediately! I have attached documentation that was sent certified USPS mail to experian.

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 2021-10-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: FL

Complaint narrative:
I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and Transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2021-10-18 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 just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, Equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the Equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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:
During XXXX, I reviewed my credit report with Equifax.com to find inaccurate information that is being reported by Equifax. I contacted an agent during that time to explain the discrepancy. Equifax is reporting a numeric number after my name. On XX/XX/XXXX, I sent the requested documents to update my name. To date, Equifax has never removed this numeric number from my name. It has caused creditors to deny use of there services because of an identity problem. On XX/XX/XXXX, I reviewed the same inaccurate numeric information contained by Equifax, I tried to dispute the error online. I tried to upload my drivers license and open a dispute regarding incorrect identifying information and the upload was rejected, advising I contact Equifax. I contacted Equifax Agent XXXX XXXX. The agent advised to mail my documents. I advised ; I did this in XXXX. I requested that she submit a technical ticket because the information reported is in fact reported and recorded by Equifax. 
I asked for a reference number for the contact call. XXXX advised there was no reference number. I asked for a call escalation and XXXX was adamant that I would not receive any help. Agent XXXX advised that a creditor would need to update my identifying information. I advised I needed further clarification, because I was only aware that ALIAS could be updated by current creditors and NOT account information reported and recorded by Equifax. I then spoke with XXXX XXXX, who claimed to be an escalated account agent. I did not received help from this agent either. XXXX advised I needed to send in additional identifying information by mail. XXXX advised documents forwarded on XX/XX/XXXX were past the 90-day use mark and they were out of date. I asked for identifying call center information and XXXX refused to provide the information. I asked for a reference number for the contact call and XXXX refused a reference number. I asked if the call was the call center? XXXX refused to answer rather I was speaking with a call center representative, or a Home based representative. She was so angry that I asked for this information that she disconnected the call on me. With so many Business changes due to Covid19, there needs to be accountability for reference numbers and rather the agent is refusing to help customers because they are located outside the Business Office. Equifax should be held accountable for both accuracy of what their Business is reporting to Creditors, as well as accountable for the period of a year they continue to report inaccurate consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Companies use LexisNexis Identity Verification services to verify identity. XXXX and XXXX ( the travel pre-check service ) both used LexisNexis Identity Verification in attempt to verify my identity. The automatically generated questions that LexisNexis 's product came up with were entirely inaccurate/ impossible for me to answer. One asked about someone named XXXX XXXX ( have no idea who that is ). Another asked what professional certifications I had ( none of which were relevant ). Both with XXXX and with XXXX, I failed the Identity Verification because of LexisNexis 's flawed product and inaccurate questions. I would like to rectify this problem as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NJ

Complaint narrative:
So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NJ

Complaint narrative:
So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to Experian, XXXX and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.

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 2021-10-18 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: NJ

Complaint narrative:
So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to Experian, XXXX and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.

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 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: IL

Complaint narrative:
Transunion sent me an email of the update they did to my XXXX XXXX account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment XXXX took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the XXXX day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this XXXX loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't XXXX or Transunion be ACCURATE??? I also am sick and tired of trying XXXX times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX XXXX for me, remove it, and my fathers phone number XXXX listed as XXXX of my numbers, remove it, And my same name listed as an alias XXXX times, remove them, And my employer the State of IL XXXX XXXX XXXX XXXX listed XXXX times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX up everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their idiotic mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!

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 2021-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have been calling Net Credit since XXXX, XXXX regarding this fraudulent account, no one returns my phone calls. I also asked that they send me a copy of the original contract ( by mail ) since they stated the account was opened in XXXX. I have yet to receive it. I sent a certified letter to Net Credit on XX/XX/XXXX and yet no one answers the letter and o returned phone call. I called again today XX/XX/XXXX requesting the original loan contract and again, I spoke with a young lady stating her name is XXXX, XXXX stated that this was an online account and I would need to give her my email address. ( I refused ). Again, I asked by mail to have a copy sent to me. I know this is fraud. There is a {$5100.00} debt on my credit and it is not mine. I need to know how to move forward getting it deleted. This is so unfair. 
Totally illegal to attach a debt on my credit report if you will not prove that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NJ

Complaint narrative:
So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, Transunion and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.

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 2021-10-18 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: NJ

Complaint narrative:
So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
The CBE group is showing a total of 26 accounts showing on my credit report and there are a total of 9 that are showing {$50.00} and they appear to be duplicates and they continue to create new accounts with the same balance and submit each of them monthly which is hitting my credit score and costing my hundreds of dollars in extra premiums and interest. There are 6 others that appear to be duplicates as well that they are doing the same thing to my account. The company has contacted me and I asked them to send me information on the debt that is owed and that I was not aware of the debts that they were trying to collect on. I have never received anything from them in regards to these accounts. I was called from this horrible company and they were rude on the phone telling me that I owed this debt and this will be pursued by a garnishment or possible legal action, which is a violation of the fair debt collection act. I asked them to stop calling me and they proceeded to continue to call me, and my husband while he is at work, when he asked them who it was they told him that they were collecting a debt for me without any verification that this was my husband or not. He asked them to stop calling him and they called him a least 3 times a day for the next week until he threatened to get an attorney for harassment. They then called my parents and my in laws and told them that I was in trouble and they needed to get a hold me as soon as they could, and asked if there was another number they can call me on, they said no and asked them to stop calling them as well, which was not followed at all. This company has continued call when asked not too, given information about what they are calling for without verification or permission, and has threatened legal action such as a garnishment against me. I want this to stop. I don't want to hear from the CBE group again and I want them to pull the collections from my credit reports for falsely reporting something that they have never proven that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: GA

Complaint narrative:
For the past several years I have been disputing a bankruptcy only this credit company is reporting on my file. As of XX/XX/XXXX I opened an investigation with XXXX XXXX as to why, according to Experian, they are reporting a bankruptcy on my file. I provided XXXX XXXX and Experian a letter from the clerk of court which states they DO NOT report to credit bureaus or third parties. As a result of this letter, XXXX XXXX concluded the dispute and removed the bankruptcy from my file. However, Experian continues to refuse removal stating XXXX XXXX is verifying this information. Attached you will find the letter sent to me by XXXX XXXX stating this has been removed as of XX/XX/XXXX. How is Experian saying they are preforming an investigation and verifying with XXXX XXXX. Furthermore, I have called several times and have been treated very poorly by the Experian staff. Every time I ask for a supervisor the representatives get upset and say they I can not talk to a supervisor because they are in meetings and say they can schedule a call back, this of course never takes place. Not once has a supervisor from Experian ever contacted me about my concerns. Also, when I try to explain the errors on my report and ask for this to be remove they state they can not make manual changes to any report. I have have to wait for the investigation to be over in 30 days. These conversations have taken place in XXXX when I opened over 3 disputes for the bankruptcy as well as in XXXX. The names of these employees are XXXX, XXXX, XXXX, XXXX, XXXX and they all have very heavy Spanish accents of which is difficult to hold a conversation with any of them. My dispute with Experian were ongoing while in dispute with XXXX XXXX. The denied all my disputes stating they verifying it was accurate on XX/XX/XXXX, XXXX, XX/XX/XXXX. I opened another dispute again on XX/XX/XXXX. I uploaded both documents to Experian.

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