vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC
State: DE

Complaint narrative:
North Star Ph # XXXX Name : XXXX XXXX ext # XXXX I talked with them on XX/XX/XXXX about a debt they said I owed for some equipment. They stated I had more equipment then I did and I asked them to send me a detailed list of what they are saying I have. She said she would send it out. 
After that she called numerous time, left voicemails, hung up on me one time when I asked who was calling and she told me she could not give out who she was until she verified my personal information. 
I still have not received the information I asked for during this time ( nothing as of XX/XX/2020 ). 
Then on XX/XX/XXXX, she called my family members and stated to them she a debt collector trying to collect a debt and she needed to talk to me. 
I called her back after that and they stated she did not do this, I have the phone records and my brother has his phone records as well.They are harassing me and my family causing serious stress upon me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

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 2020-10-12 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:
This is account is reporting inaccurate information XXXX XXXX/XXXX  # XXXX on XXXX, XXXX, TransUnion. 

On XXXX  reporting Exceptional History not late payments ; however reported as a Charge-off ... On TransUnion  reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on XXXX   with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.

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 2020-10-12 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:
This is account is reporting inaccurate information XXXX XXXX # XXXX on XXXX, Equifax, XXXX. 

On Equifax reporting Exceptional History not late payments ; however reported as a Charge-off ... On XXXX reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on XXXX  with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.

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 2020-10-12 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 SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.

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 2020-10-12 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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT , INC. is being unfair and negligent. They are not respecting my consumer rights. I am demanding the following item to be removed from my 3 credit reports : Account number : XXXX Date Opened : XX/XX/2019 Original Balance : {$3400.00} I have suffered several damages in my credit score and personal life due to they're wrong reporting : 1.  Unfair business practices. 
2. Failing to mark account as disputed.

3. Re-aging account. ( Serious violation because it kills my credit score ).

4. Reporting incorrect activity and first delinquency date.

5. Negligence.

6. Failure to provide customer adequate customer service.

7. inconsistent report across bureaus.

I have attached some documents. Please send it to the company.

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of 2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX  # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.

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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit 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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit 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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
As part of my CFPB complaint, XXXX, Barclays Bank of Delaware posted an image of my application account which contained highly sensitive security information in their response. I now need to go through my all my accounts and change data. Barclays negligence in posting this now also leaves me open to identity theft for the foreseeable future.

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 2020-10-12 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: NJ

Complaint narrative:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

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 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I am in the process of trying to purchase a home. I was unaware of any of the four fraudulent debts on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Credit Control Corp, which is a violation of FDCPA. Credit Control Corp has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Credit Control Corp, nor any party that Credit Control Group, claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Credit Control Group remove all four of these fraudulent debts from my credit report or I will sue, and seek the maximum compensation available under the law, for each violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: AZ

Complaint narrative:
I received a bill in XX/XX/XXXX offering to settle my debt with Galaxy International Purchasing. The debt was supposedly incurred in XX/XX/XXXX. Because this was so long ago, I called the company and requested more information. 

The person I called swore at me and accused me of trying to run from my debt. I refused to give her my social security number to " confirm '' this debt, and she swore at me again. I told her to send any proof to my mailing address ; otherwise, I would assume this was a scam. 

A few weeks later, I was being sued by this company. I had not received any proof of a debt. 

It has taken multiple rebuttals and submissions to the court and I only received information about the debt when I told the court I had not been given proof. At that point, I saw it was impossible for me to have incurred this debt. The addresses listed were not mine. It was easy enough to prove I did not live at those addresses. However, this company continues to sue me for this debt without proving through a signature or other information that I owe this money. 

I have spent nearly the amount of the original debt to take time off to go to file papers at the court or pay filing fees. The company has not responded regarding the person I talked to on the phone or the fact this debt is not mine. I know this is a company that buys old debt. They will not consider they have incorrect information. If I owed a debt, why wasn't I notified in six years? 

Today, I am filing a counterclaim, yet again. This company is absolutely irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I first initiated a dispute with XXXX  and Transunion regarding XXXX  XXXX XXXX in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the XXXX XXXX XXXX account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four dispute letters to Transunion and XXXX  asking to verify the account. XXXX  and Transunion claimed they have verified and validated the XXXX XXXX XXXX account all four times. I sent in a fifth letter to XXXX  and Transunion via certified mail in XX/XX/XXXX showing proof that I was not late on my XXXX  XXXX XXXX account in XXXX and XX/XX/XXXX. I also sent a letter to XXXX  XXXX XXXX in XX/XX/XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XX/XX/XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to Transunion, XXXX, and XXXX  XXXX XXXX that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.

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 2020-10-12 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: AES/PHEAA
State: WI

Complaint narrative:
I first initiated a dispute with XXXX  and XXXX  regarding Fed Loan Servicing in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the Fed Loan Servicing account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four  dispute letters to XXXX  and XXXX asking to verify the account. XXXX  and XXXX  claimed they have verified and validated the Fed Loan Servicing account all four times. I sent in a fifth letter to XXXX  and XXXX  via certified mail in XX/XX/XXXX showing proof that I was not late on my Fed Loan Servicing account in XXXX and XX/XX/XXXX. I also sent a letter to Fed Loan Servicing in XX/XX/XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XX/XX/XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to XXXX, XXXX, and Fed Loan Servicing that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XX/XX/XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.

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 2020-10-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -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