vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Texas Guaranteed
State: TX

Complaint narrative:
Trellis Company, the debt collector to whom I have been paying my student loans agreed to accept a smaller portion of monthly payment. After the agreement, they were supposed to send my employer a letter so that they could stop taking payment from my check. It has been almost 2 months, and they have not sent the letter. In the past, I informed them that their method and amount they were taking from my pay was too much and was hurting me economically. They argued that I would have to wait for a hearing from a judge in order to make any changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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:
Today XX/XX/19 I was made aware of two accounts on my credit report that do not belong to me. The account names are XXXX  XXXX XXXX and XXXX. Neither of those accounts belongs to me. I did not open them and I never gave anyone permission to open an account in my name. I am still trying to figure out who is responsible for stealing my personal information to open these accounts but for now, I have filed a police report. I never made any payments or purchases related to these accounts nor did I ever gain anything as a result of those accounts that were opened in my name. I am willing to work with law enforcement to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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:
Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX - XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX - XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX  ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX Hospital sent my account balance to a collection company, Credit Control Corp, for a hospital stay for my son in the amount of {$1100.00}. The collection account was created on XX/XX/2016. We originally petitioned XXXX about the bill due to the included charges. The hospital charged full admission fees even though my son was never moved from the ER and was only monitored for a few hours. One of the doctor 's also prescribed an incorrect dose for my son 's prescription. This could have been very harmful to him. We found this out from the pharmacist who refused to fill the prescription and who also told us that he had similar problems with incorrect dosing with the same physician. We brought these issues to the attention of XXXX, but they still charged us the full bill. I agreed to pay the bill regardless and called in with payment information over the phone and marked it as paid in my notes. I didn't think anything else about it because I assumed it went through on my credit card. XXXX apparently had no record of my payment and sent the bill to collections. I would have quickly resolved this, but I received NO communication from credit control that I owed this bill. Then, this debt sat with credit control for 3 years until we went to get another mortgage for our new house. I would never let a debt go unpaid as evidenced by my clean credit report otherwise. Also, I had several other bills with XXXX that year that were paid in full. I do not let bills go unpaid, unless of course, I don't know that they exist. Once I found out about this bill, I paid it in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have reached out to several representatives at Walmart to try and report fraudulent activity on my account and to close my account, however everyone I spoke to said that they can not assist me because my telephone information does not match their records. My name address and social is able to be matched though. Walmart has to be able to assist it's customers that are trying to report fraud.

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 2019-10-02 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: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LPSG
State: IL

Complaint narrative:
On XX/XX/2019 I was contacted by XXXX XXXX XXXX XXXX regarding a debt that I have no acknowledge owing. They told me I was being sued for over {$4000.00}. I never had a debt owing that much in my life! They also informed me that they would be going to my place of employment and serving me with court papers at my job! I informed them that by law I have to be given a written documentation of validation of any debt owed under the fair credit reporting act. I have 30 days to review this information, and have a right to dispute for any inaccuracies. This is the law! They directed me to the new owner of this debt LP services Group. They forced me into settling, but did not keep the agreement. I was put on the spot! Called me up out of the blue and informed me that I am being sued. No documentation on it what so ever! I was informed later that week by the owner of my employer that they called up there threatening the owner to give them my personal contact information. I could of lost my job because of them. I have did some research and they have a lot of different harassment complaints against them. They have fake lawsuit claims, no acknowledge of them even owing these debts, threatening people of a lawsuit that is mis leading, calling up their employer, trying to claim more than what the original debt is owed ( 3 or 4X ). They have violated my rights under the fair credit reporting act, have harassed me, threatened me, and have threatened my employer, and trying to collect 3X of what the original debt is for. They are trying to tact on a ridiculous amount for their outside recovery company ( {$3000.00} ). This is a solid case of harassment and want to file a complaint against them for harassment! Here are the details of what I received. BTW, after looking into this debt, It looks like its a fraudulent account. Im planning to file a police report. They took {$100.00} from me for putting me on the spot! Said there is a judgement against me, but nothing ever was reported to the credit agencies of any judgements! 

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Original Account # XXXX File # XXXX Credit reports claim this is for a {$300.00} credit card, charged off at {$520.00}. This company is trying to get {$1400.00} for this account! 

LP Services Group XXXX XXXX XXXX XXXX. 
XXXX, CA. XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank keeps calling 2-3 times a day, invading my privacy. Im currently out of a job, and they keep harassing me, even on a Sunday morning. Im always waiting for employers to call me for an interview, but never knowing if I could miss this opportunity because of a citi bank. They keep charging interest and late fees ; so fat it being {$180.00} on top of what I owe. They refuse to remove it, and keep increasing my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had a credit card account open with Huntington bank. I opened the account a little under 3 years ago as my first line of credit outside of student loans. With this they provided me with a {$4000.00} line of credit. This happened to be before i frequently checked my credit score so I am unsure what it was at this time. Considering I had not other credit line except for student loan debt I assume it was not that high. A few months after having the card my credit line was raised to {$8000.00} without a notification from them which was good with me. At this time I had a car loan and just got a full time job and was still in school. Through some time in work I had to take off time in classes and my student loans started needing paid. Since it was in multiple loans I decided to have them consolidated to make things easier. During this time I was advised to wait until the consolidation was finished. During this time my credit did take a hit but went back up higher then it was previously. Around the time my credit went back to its normal amount they lowered my credit limit to {$1600.00} due to me being a " risk. '' I was a little upset by this, but they let me know I could call to have it raised in a 6 month span. During all of this time I had never missed a payment on my credit card and other then the student loan issue had not blemishes on my record for unpaid bills. As of XX/XX/XXXX when I had last used the card they ran another report which showed my credit limit was very different from multiple other credit agencies. They did not notify me until XX/XX/2019 that my account was closed in XX/XX/XXXX. Due to this I was unable to redeem the 90,000+ points I had saved up which in their system every XXXX points is ~ {$1.00}. When I called their support their reasoning was that I am to much of a risk to leave it open and there is nothing they can do. I re-ran my credit score and it had went up. They said there is no way for me to reopen the card or redeem the points. Even after speaking to a supervisor they said that I would have to reapply in 6 months. I let them know I would be closing my checking account that I had also had with them for almost 10 years to make sure the bank nearest to me was ready for me close my account. Not understanding at all she said she would file a complaint on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX /XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX /XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS Portfolio Recovery Associates LLC case # : XXXXand filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
AD ASTRA SERVICES is violating federal law 15 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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:
TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

XXXX REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX XXXX REPORTING 13 FALSE INQUIRIES EQUIFAX 7 FALSE INQUIRIES AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is still reporting a account on my credit report that isnt mine! I have attempting Experian multiple times by phone, mail and online service to get this item removed. Ive filed multiple reports and at this point I will be contacting a lawyer. I sent mail asking for validation of this account and how Experian keeps verifying that this debt is mine! And I receive nothing! If this large debt was mine it would be on my XXXX  and XXXX   report and its not on either! The account I am referencing is XXXX XXXX for the amount of {$12000.00} opened XX/XX/2015. I have sent Experian my police report and all documentation needed to prove this isnt mine! I depend this to be removed 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 explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX is violating federal law XXXX5 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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 just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I was told I owe {$2000.00} for a XXXX bill. I was even served court papers stating I was going to have my wages garnished. I only owe about {$1600.00} but since I was served court papers, they added about {$500.00} to my total amount.

Company response to consumer: Closed with explanation