vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I had a XXXX XXXX credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with XXXX and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Over the past several months, I have disputed the following accounts with all three Consumer Reporting Agencies, Transunion, XXXX, and XXXX I have provided supportive documentation about my claim and how the reporting is inaccurate, & or Fraudulent however, the severe inaccurate, fraudulent accounts continue to be reported on my credit report. I have requested that a reinvestigation be completed and evidence or transcript be provided of how all accounts that have been verified as accurate be provided and who specifically verified as accurate and their method for doing so. As of the date of this submission, no such documentation has been provided and the inaccurate, fraudulent accounts remain to report on my consumer report, which has damaged me, my score, and my ability to obtain housing for me and my family. 

The Accounts specifically are : XXXX XXXX XXXX XXXX XXXX Credit Card XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2023-02-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX A XXXX XXXX Balance : {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$610.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I just recently tried to open a bank account and was declined because I owe money to Santander Bank. The problem is that I NEVER had a Santander Bank account before. 
Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquiry from XXXX XXXX report from Trans Union not from my knowledge

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 2023-02-16 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I just recently tried to open a bank account and was declined because I owe money to XXXX XXXX The problem is that I NEVER had a XXXX XXXX  account before. 
Please delete this account from EWS XXXX XXXX. This is Not even my name and this is clear Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I just recently tried to open a bank account and was declined because I owe money to XXXXXXXX XXXX. The problem is that I NEVER had a XXXXXXXX XXXX account before. 
Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear 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 2023-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a forbearance under the CARES Act. It was granted. I informed Wells Fargo that our next hearing for family court XXXX and the parties plan to reach a settlement XX/XX/2023. 

I cant even qualify for a loan now because my primary residence is in foreclosure. I have a 5 and 6 year old and work full time. I was willing to resume payments. I did for a period of time but was persuaded to go back on the forbearance at the end of my dissolution process because of increased attorney fees. Now despite me willing to pay they have foreclosed on my home and demanded the entire lump sum payment. I will be automatically excluded for 2 years from any lender due to Wells Fargo initiating the foreclosure process in XX/XX/2023. I was told yesterday that there is nothing they can do for me unless my spouse signs the forbearance to place the payments on the back of the loan which he refuses to do. My former spouse inflicted XXXX XXXX which could have permanently impaired my ability to make an income. I paid for the down payment and all closing costs. Used my SP to buy the home. I solely paid the mortgage for 5 out 6 year marriage. Meanwhile he is working part time and pulling from our retirement without my knowledge resulting in a {$350000.00} loss to our forecasted retirement. I submitted my application but my spouse called and cancelled it over the phone and XXXX removed me from their program. This system in California is broken. I was on FMLA and I have carpal tunnel and other mental health issues due to being locked down with my abuser. Following separation he immediately removed internet which took several months to obtain during COVID. Im approved for compensation for victims as I did everything under the legal system but XXXX XXXX had ZERO consequences for XXXX  XXXX perpetrators. Law enforcement in XXXX XXXX are at a complete loss. I am too. There is no justice for a victim of XXXX XXXX in this county.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : XXXX Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX XXXX XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for and received a Home Depot credit card at a store for the purpose of getting a discount. I was never sent the physical card and I don't have one. I tried to pay online the day after I'd made the purchase but I needed the card to set up an account. I tried again a few days later and had the same problem. I forgot about the matter until I got a text telling me my payment was late. My balance had doubled. I thought I paid the entire thing off that day, but apparently there's more because I got an email saying my payment is late. However, when I clicked on the payment option it required that I have my car in order to pay. There is no " contact us '' option, and there were no phone numbers available at the bottom of the page. Just something saying " additional numbers '' but no link or phone numbers. I just want to be done with 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 monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I am a customer at XXXX with account number XXXX, on which I added my ex-husband. He obtained a line in his name and provided his ID and SSN, but for some reason, he has taken the phone and denied paying his bill, so XXXX has reported me into collections to pay my ex-husband 's bill, which has now amounted to {$1300.00}. I am devasted and need your assistance, please. XXXX acknowledges they made a mistake because the accounts were separated after the divorce. please help

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 2023-02-16 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB IXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$770.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) Balance : {$660.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$610.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Pay pal took money out of my checking account on an unauthorized transaction. Now they are unwilling to refund it. Their mistake has cost me {$100.00} I want my money back and the money I lost. I have an email from Paypal stating this was unauthorized This happened on XX/XX/XXXX and they claim the money was refunded on XX/XX/2023 and that my bank is the hold up. I have contacted my bank and no refund is seen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
I have found reported collections on my credit report file at experian and the entry reads The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXXXXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and e-oscar and metro2. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: KS

Complaint narrative:
On XX/XX/2022 I see a mortgage inquiry Credco that I XXXX XXXX did not authorized I would like to remove the inquiry if possible so it would not affect my credit profile for when I do decide to get a mortgage.

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 2023-02-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX Accounts listed on my credit report are not mine and I have reported this problem to your company, I have even provided proof and still these accounts are still listed on my credit reports. I have filed identity theft reports and police reports and several complaints with the CFPB and I still am not getting any results. I am being penalized for these accounts and I didnt open them or utilize them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I had a Victoria Secret credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with VS and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.

Company response to consumer: Closed with non-monetary relief