vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: CA

Complaint narrative:
There are 7 accounts that are on my credit report that do not belong to me I have not authorized signed or used these accounts I need them off my credit asap!!!! 

I have been disputing these since XX/XX/XXXX - Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TDS Financial LLC
State: VA

Complaint narrative:
I received a call earlier this month but I am not sure of the day. But the rep was the same one that called today. I do have the voicemail that was left for me today. The very first call they said I had student loans that were not covered by federal. Which is false because my student loans are on my credit report and I had never applied for any other type of loan for school. In fact I just applied for loan forgiveness and my student loans were consolidated. This person stated my balance was {$1900.00} but I needed to pay {$900.00} right then and there. I never received any type of written communication from this company prior to. And still have not received anything. Today the same person named XXXX XXXX called me and stated they will seize my assets and place a lien on any property that I have if I do not contact them within 72 hours. The company is R & R solutions with phone number XXXX. My voicemail picked up a different name and I have readable voicemail so I can read what was left instead of just hearing it on my XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a report with the Federal Trade Commission ( FTC ) for fraud. Following FTC guidelines, I immediately contacted my bank via phone for assistance with recovering {$3900.00}. I informed that the {$3900.00} were with the Citi XXXX service as one transaction of {$1900.00} on XX/XX/XXXX and a second transaction of {$1900.00} on XX/XX/XXXX. I was transferred to the department under which Citi XXXX XXXX is under and and Citi staff. Citi staff assured me that given services were never provided, Citi would post a provisional credit to my account in 10 business days and that after 45-90 business days I would receive final documentation for the report of fraud. I was provided with a reference number for my report. I received a letter from Citi electronically on XX/XX/XXXX assuring my fraud report was received and would be processed. Ten business days passed and the provisional credit did not post as Citi staff had assured on XX/XX/XXXX. I received a second letter from Citi electronically on XX/XX/XXXX ( dated XX/XX/XXXX ) that the {$3900.00} would not be recovered by Citi, contrary to what was communicated and noted on XX/XX/XXXX. The proposed alternative by Citi was followed.

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 2021-06-30 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
I am filing an complaint against Navy Federal Credit Union due to the following message I sent to them concerning overwhelming conditions : Navy Federal I am receiving messages concerning overdrafts by mail and email. I have direct deposit so your funds will be reimbursed to you Navy Federal. I wish you were this informative when you stated I owed a credit from the stimulus check on XX/XX/XXXX that I was charged for in XXXX. I never got a phone call nor did I see this credit appear in my account. Also you Navy Federal had a representative call me on a Saturday. This is illegal look it up for yourself. I am tried of the harassments from your agency this is unnecessary. You sent me a letter about the overdraft but didn't give me the same respect about the credit you claimed I owed around XX/XX/XXXX. Shame on you Navy Federal you will reap what you sow. Somehow poor and certain races always get attacked by companies and businesses such as yours I am so regretful that i joined your agency as a member.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: MD

Complaint narrative:
There is an account listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

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 2021-06-30 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: MD

Complaint narrative:
There is an account listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CA

Complaint narrative:
There is one account on my credit report that is not mine I have not opened used or know of this account I do not know what to do I have tried reaching out to the bureaus and nothing!!! 

XXXX XXXXXXXX XXXX - Account # XXXX Amt {$550.00} Opened XX/XX/2014 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 2021-06-30 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: CA

Complaint narrative:
There is one account on my credit report that is not mine I have not opened used or know of this account I do not know what to do I have tried reaching out to the bureaus and nothing!!! 

XXXX  XXXX XXXX - Account # XXXX Amt {$550.00} Opened XX/XX/201XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
The collection agency servicing the purported debts appearing on my credit report is unresponsive to my attempts to discuss the debts and, if true, to pay the debt in full. It is negatively affecting my credit score and preventing me from getting the mortgage I am trying to apply for.

For two months Midland Credit Management, and their related peer subsidiary companies ( all owned by Encore Capital Group ) have been passing me around to five different inter and intra-company phone lines, whose agents all tell me they can not help me discuss or pay the debts, if true, and who then pass me along to new inter or intra-company agents. 

After calling sometimes everyday for weeks at a time to at least every two weeks the problem persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-30 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: KY

Complaint narrative:
The Bureaus failed to provide evidence to support ownership of the debt and they still did not provide me a copy of the signed application with my signature pertaining to the debt in question. According to Fair Debt Collection Practices Act, they must show ownership of the debt. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they did not furnish the paperwork required to show 100 % proof that they own the debt and therefore the disputed items must remove the account from my credit report. 

I started my dispute in XXXX this year but there was no investigation made and so I sent a follow up mail on XXXX but until now I have not received documents from the 3 Bureaus. Please help me reach out to them so I can fix the error in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I went to my local Best Buy store to purchase a tv. I found what I was looking for and I ask the associate to help me with the transaction and use my existing credit card to pay. Because I did not have my credit card handy, I asked him to pull my credit card using my social security and DL. While in the middle of the transaction, he asked me to validate my address and asked me to enter my income. It was wired, and I did ask why income was asked, and he stated it is normal. No disclosure was handed to me, and I did not doubt that he was applying additional credit card. He said it done, and he need to scan the item. I asked what was he doing all the time, and he said he was making sure I was approved. I stated that I did not ask to apply for credit card, I asked to use my existing card. He said, this should affect my credit and because they are not running my credit report. I stated that that is not the case, and I told him I did not need additional credit card, and he stated that he did not see the existing credit card the first time. But I did not give him permission to apply a new credit card. He said I can keep it, it wont affect my credit history. I told him I need to be removed, he handed a phone number and stated that to call Citibank and speak to them. I called not once but twice to complain what happened, and they all blamed me as it is my fault. How is possible that I get blamed, when I dont see the person applying credit card behind a screen that is not visible to me. I ask this credit card to be removed from credit report kindly.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later, I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my reports. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The account has a last active date of XX/XX/2014 and was satisfied. The account is also out of the 7 years of statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: WA

Complaint narrative:
There is one account on my credit report that does not belong to me it is not mine I have not signed or used this account!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: WA

Complaint narrative:
There is one account on my credit report that does not belong to me it is not mine I have not signed or used this account!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
Original creditor was XXXX internet service. Advertised unlimiteddata for my plan. However, on XX/XX/2019 overcharged my account and later stated You do have theunlimiteddata plan however, when costumers use a considerable amount of data we begin to charge by the gigabyte???! My final bill amount was {$710.00}! Initially I refused to pay this bill. The account was turned over to a collection agency named Source Receivables Management to whom I later paid the collection. XXXX later stated we did advertise unlimiteddata however, we can not dishonor the collection agency by stating your account was paid and is in good standing, sorry. They seemed to have no problem dishonoringme though! I argue that my account should be stated paid as agreed by the original creditor on my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed a collections account from XXXX Accounts ( XXXX ) as being unverified and inaccurate with Equifax XXXX and they came back to me and stated they were able to verify this debt. How is this possible? After the breach at their company youd they would value reporting accurate information. 

Under the laws of the FDCPA, I am entitled to see the source of the information from the results of their investigation, which is the original contract that contains my signature but Equifax has not provided this information. 

Regarding the type of verification required by Section 809 ( b ) of the Fair Debt Collection Practices Act, Equifax is required by law to determine whether a collection agency for a medical provider fulfilled the requirements of that section if it produces an itemized statement of services rendered to a patient on its own computer from information provided by the medical institution... in response to a request for verification of the debt. How was this verified in their investigation? 

The statute also requires that the debt collector obtain verification of the debt and mail it to the consumer. A simple itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statute requires the debt collector, not the creditor, to mail the verification to the consumer. 

After careful research, I have determined that this is not mine, and I have not been given any evidence of my obligation to pay this debt to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
When I checked my credit report and I have been checking it for the past months, these accounts are still here reporting in such a way that is derogatory and it affects my standing so bad. I am trying to build my credit and sorting things out. I want to ask for help regarding these accounts. These accounts are reporting collections yet it has a lot of missing information. Please help me out and have them removed.

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