vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: MO

Complaint narrative:
There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/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 2018-06-10 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: MO

Complaint narrative:
There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/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 2018-06-10 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: Focus Holding Company
State: GA

Complaint narrative:
I contacted : NAME : XXXX XXXX XXXX XXXX XXXX ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : www.focusrm.com on XX/XX/XXXX by email. I noticed that this company is reporting inaccurate information on my credit file. I attempted to contact them but with no success. I then filed a claim with the XXXX on XX/XX/XXXX. XXXX case number is : XXXX. I again received no response from this company. 

I am looking to seek damages in {$1000.00} per breach of FDCPA in addition to having this inaccurate, incorrect information removed from my credit file. 

Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Hello XXXX XXXX XXXX in my previous complaint I request documentation proving that this alleged debt is in fact mine. I requested what is known as debt validation and proof of contract meaning the contract between myself and your company, Also the wet signature signed by me proving that the debt was in fact incurred by myself. Also I see in an attempt to circumvent the FDCA and my personal right to see the debt validation including but not limited to what i have already requested Yo u have decided to sue me in court in hopes of me not showing up and you receiving a Default Judgment. Well I will be showing up to the cort date and I hope to receive the hard copies of debt validation that I am requesting today and have previously requested. I intend to request the judge hold you to the Fair debt collection act standards. I will be bringing both this copy to show the judge and my previous complaint. I look forward to being heard in court. Thank you for your time. Also if you can bring the copy of notice of my rights to dispute this information that you allegedly sent me thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: NY

Complaint narrative:
Hi I am contacting you in reguards to my XXXX XXXX and experian credit reports  because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX   report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report. 

XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX NA Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  National Credit Cards/Airlines ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

SECURITY CREDIT SERVICES Reported : XX/XX/XXXX + {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.

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 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: North American Asset Services, LLC
State: UT

Complaint narrative:
I purchased XXXX XXXX dirt bikes using the XXXX credit card a line of credit provided by XXXX. I got behind on payments and XXXX sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX stating she was with North American Asset Services and was collecting on the XXXX debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as XXXX ( found out later ). I then realized that not only was the debt not settled but American Asset Services sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by XXXX who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. XXXX has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
on XX/XX/2018, an amount of {$330.00} appeared on my credit report on XXXX XXXX. I recently just submitted a complaint. It was in regards to XXXX XXXX and debt that was owed by a family member that knows my information and put the collection on me.We also have the same name its my dad. I live with my mom and the bill is in her name, I'm XXXX years old. The creditor is XXXX XXXX I believe but has been reported by " Transworld systems '' but shows on my XXXX XXXX. I need help to removing this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I use a credit monitoring service, I was alerted yesterday XX/XX/XXXX, that a hard pull was run on my credit on XX/XX/XXXX through Equifax from a company called XXXX. After some research I found out this is XXXX. I have not applied for any credit cards or loans and did not give this company consent to run my credit. I have reached out to the company and still have not gotten a reply back. I have never had an account with this company so I do not have any access to know what amount was given or who has access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: MO

Complaint narrative:
After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: NY

Complaint narrative:
Hi I am contacting you in reguards to my XXXX Equifax and XXXX credit reports because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: MO

Complaint narrative:
After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 2018-06-10 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: MO

Complaint narrative:
After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 2018-06-10 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: SC

Complaint narrative:
I was a victim of identity theft and submitted a police report to verify my statement to XXXX and Experian. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.

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 2018-06-10 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: Dealer Funding, LLC
State: SC

Complaint narrative:
I was a victim of identity theft and submitted a police report to verify my statement to XXXX and XXXX. Neither was willing to understand that I was a victim. Someone abstain an auto loan with dealer funding llc and XXXX XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was a victim of identity theft and submitted a police report to verify my statement to XXXX and Experian. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.

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 2018-06-10 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: GA

Complaint narrative:
1. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
2. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
4. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
5. XXXX XXXX XXXX XXXX : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
6. XXXX XXXX : XXXX : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}. 
7. XXXX, Trans Union, XXXX, XXXX : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score. 
8. XXXX, Trans Union, XXXX, XXXX : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score. 
9. XXXX, Trans Union, XXXX, XXXX : Each are under reporting my available credit. 
10. XXXX, Trans Union, XXXX, XXXX XXXX Each are not reporting my XXXX XXXX Credit Card Account with an available balance of {$4000.00}. 
11. XXXX, Trans Union, XXXX, XXXX : Each are improperly reporting a Chapter XXXX Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be 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