vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: AL

Complaint narrative:
I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Transunion, XXXX and XXXX representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Transunion, XXXX and XXXX employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Transunion, XXXX and XXXX reports that they have verified these accounts are in fact mine. Who at Transunion, XXXX and XXXX verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Transunion, XXXX and XXXX is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) fraudulent inquiries on 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 2022-01-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
Old XXXX bill paid in full sold to collections more than once On credit report as late payment and collections Amount {$350.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account # 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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: WA

Complaint narrative:
XXXX XXXX XXXX kept the bill and when the debt collection timeline passed, they sold the debt to another collection agency and restarted the debt collection timeline. 

Then, while trying to apply for a mortgage, I settled with ERC ( enhanced recovery company ) for {$390.00} which was less than the original debt, but I was told that I could settle for less than the total debt owed and this would take care of the problem. 

However, after I settled with ERC, they would not provide the correct documentation to show that the debt was settled and I no longer owed any money on that account. 

They would only provide the correct documentation when my mortgage loan officer did a 3 way call with them and informed them that she would be contacting the president of the company to report that they were violating the following law : Here is what the law says : Since they report to at least 1 bureau they must follow FCRA reporting rules and provide non contingent invoice/confirmation of the acct being a zero balance either via snail mail, email, fax upon request. 

Beyond that, the " supervisor '', XXXX XXXX, was incredibly rude, condescending, and seemed to take pride in being difficult and not providing what I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TN

Complaint narrative:
numerous fraudulent accounts have been linked to my file that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Penn Credit Corporation
State: GA

Complaint narrative:
Penn Credit Corporation is report FALSE information to XXXX and possibly other credit monitoring agencies. I noticed Penn Credit just faced a class action lawsuit and I guess I am just another one of their victims. The amount owed is incorrect and I am currently paying on that amount. I have also applied for assistance with the debt as it is a life-sustaining right to have electricity in the desert of XXXX. I have asked Penn Credit to fix this issue multiple times but they do not do so. They should be held accountable for harming people 's credit during a global pandemic ... Not to mention profiting off the misery of other people, this is disgusting and inhumane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I bought a XXXX pre-owned XXXX XXXX from this dealership on XX/XX/XXXX. I traded in a XXXX XXXX XXXX XXXX XXXX with equity against the purchase. This was deal : XXXX. I took out a loan from GM Financial for {$18000.00} ( account # : XXXX ) to pay for the XXXX. I took it home and left the XXXX with the dealership. On XX/XX/XXXX we found out that XXXX XXXX XXXX was not going to accept the payoff from XXXX and give them the title to the XXXX. I notified my sales consultant, XXXX XXXX and his XXXX XXXX XXXX. They supposedly had gotten the ok from XXXX XXXX to do this deal, but either they never checked or were given incorrect information. So, I worked it out with XXXX to return the XXXX which I did on XX/XX/XXXX to the dealership and I took back possession of the XXXX. Sales XXXX, XXXX was present for the exchange of cars. XXXX and XXXX both told me that's all we had to do, the deal would be unwound, and, most importantly, XXXX would give GM Financial back their money, and my loan would be canceled. Today is XX/XX/XXXX and the loan is still in full effect, and the first {$310.00} payment is due on XX/XX/XXXX. I have had numerous calls and texts with XXXX who claims this will be fixed, and I won't have to pay on the loan of a car I don't have. But after 3 weeks of time and promises, and I still have the loan and the looming payment. GM Financial says they have no information from the dealership that this loan is to be canceled. I'm unable to get any further with the dealership, so that's why I'm making this complaint. There's no reason I can see or that they can explain to me as to why I can't be relieved of this loan. I just keep getting unfulfilled promises that it will be fixed, and now I'm just being ignored or given incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
O WHOM IT MAY CONCERN : Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. Please delete the items as soon as possible Baed, 15 U.S. Cde 1681c2 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 
I ha bee 30 da ad ae VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: NY

Complaint narrative:
XXXX I made a compliant with CFPB and this information is still on my report and is very inaccurate. The XXXX account is appearing as a charge-off without the XXXX day report. Further, this account allegedly was opened in XXXX and there is no history being reported. I disputed and filed a complaint on XX/XX/XXXX and provided reports as well as letters that were sent certified mail and this account is still being updated and verified on my report and shows many inconsistencies and inaccuracies. 

The XXXX account has many inaccuracies as well and comes back verified and updated. It is missing payment history as well as the ND shows that there are inconsistencies in the source of this information. I have asked Transunion to provide me with the source of where they are verifying these accounts and they failed to do so.

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 2022-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just received my credit report and noticed unauthorized items that should not be reflecting on my credit report. It has been a very hard time during this pandemic and I am asking the bureau to pleas look into and remove this.

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 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: OR

Complaint narrative:
Received a letter from a debt collector ( Management Services XXXX ) regarding an account with XXXX XXXX XXXX XXXX NCB Management Services purchased this account. Letter states as of XXXX XXXX, 2021 I owed XXXX. 
Never dealt with either company. The XXXX & phone number used to obtain the account is not mine ( or anyone I know ). I have filed a fraud report with local PD ( Incident # XXXX. 
The debt is NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
I have 2 inquiries unauthorized by me. That need to be token off and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed unauthorized items on my credit report in the amount of {$570.00}. I would like to have the the following removed from 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 non-monetary relief
Consumer complaint received 2022-01-17 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: TN

Complaint narrative:
numerous fraudulent accounts have been linked to my file that 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 explanation
Consumer complaint received 2022-01-17 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: TN

Complaint narrative:
numerous fraudulent accounts have been linked to my file that 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 explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I borrowed {$1000.00} To date I have paid {$7400.00}. 
On XX/XX/XXXX I called and talked to XXXX at XXXX XXXX. She I had a current balance of {$1700.00}. I confirmed with XXXX that my revoke of authorization for auto XXXX XXXX charges was received and place on my account as of XX/XX/XXXX. 
I have repaid my load more than 7 times over and the balance keeps going up. 
I have asked for a help but don't receive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind. Equifax needs to take this complaint seriously because they are in violation of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX, XXXX XXXX ( Beneficiary ), consumer, natural person, and original creditor of an open end credit plan have been violated with a blatant disregard for my rights by Santander Consumer USA. This company is violating a Cease and Desist Order they have claimed to process in communication with me, specifically 15 U.S.C. 1692a ( 2 ) as they continue communication through third parties being consumer reporting agencies in essence not ceasing all communication with i the consumer as consumer reporting agencies are a medium of contact. These actions have gravely damaged my reputation as well as harmed my confidence in the banking system as a consumer. In addition the assignee ( XXXX XXXX XXXX has failed to CC my Right of Rescission under Title 15 U.S.C. 1635 for the security interest given in the null in void contract ( see attached document ). According to the Truth In Lending Act as well as the Equal Credit Opportunity Act 15 U.S.C. 1602 and 15 U.S.C. 1691a, as an consumer, natural person, and original creditor to an open end credit plan i have disputed this alleged debt and have yet to receive any verification under 15 U.S.C. 1692g that i am liable to you for anything. The Finance charge under 15 U.S.C. 1605 was paid at signing ( where you were not present as you weren't at any part of the contract ) and in fact was not properly accredited and applied to the consumer as insurance was not included ( see 15 U.S.C. 1605 ). For further clarity on my position as a Consumer and Original Creditor See ( 15 U.S.C. 1602 ( g ) & ( i ) as well as 15 U.S.C. 1692a ( 3 ) & ( 4 ) ). This company also violated the Fair Debt Collection Practices Act under 15 U.S.C. 1692e ( 4 ), 15 U.S.C. 1692b ( 2 ) & ( 5 ), 15 U.S.C. 1692d ( 1 ) & ( 2 ), and 15 U.S.C. 1692f ( 6 ) ( A ) & ( 8 ) in the communication they sent me stating they processed a cease and desist. Santander Consumer USA is now civilly liable up too { {$8000.00} } pursuit to 15 U.S.C. 1692k, { {$5000.00} } pursuit to 15 U.S.C. 1611 and { {$5000.00} } pursuit to 15 U.S.C. 1640 ( A ) ( i ) totaling at { {$18000.00} } in which Santander Consumer USA is civilly liable to pay me.

Company response to consumer: Closed with explanation