vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have this accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
As a consumer, my rights have been violated as followed, This debt collector as defined in 15 US Code 1692a has 1. stated that I owe an alleged debt - 15 US Code 1692b ( 2 ) 2. contacted me about an alleged debt with out permission - 15 US Code 1692c ( a ) 3. stated that this is a communication to collect a debt - 15 US Code 1692b ( 5 ) 4. harassed me with letters claiming I owe this alleged debt ( profane language - 15 US Code 1692d ( 2 ) 5. threatened my reputation with this alleged debt - 15 US Code 1692d ( 1 )

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 2021-07-13 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: GA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: The CBE Group, Inc.
State: CA

Complaint narrative:
I am looking at my credit report and noticed a collection from XXXX XXXX XXXX XXXX company the date is was opened ( from what my credit report has on it ) on XXXX XXXX. The collection amount is XXXX dollars and I have disputed this before. For the last two years I have been living in supportive homes, transitional living homes recovery homes. However XX/XX/XXXX I have resided at a transitional living for women with children. I can prove that. This program is through XXXX XXXX. There is absolutely no way I am responsible for said debt. I dont pay for XXXX XXXX XXXX here the program does. I have been here at XXXX since XX/XX/XXXX. And I am getting ready to move into my own place, our very first apartment together. Two years i have worked on myself, I have obtained full custody of my kids, theres a lot of changes. My identity has been stolen. I also found out from XXXX  when I called to pay my bill for essential WiFi that there had been two accounts one both in my name but the other had a different address. I looked over my report on another site and it said i was part of the fire that took place up toward XXXX XXXX area. I literally live in the city and have I wasnt part of anything like that. This is frustrating. Ive spoke with XXXX XXXX XXXX after my first dispute, I didnt obtain any results but it says there are results. I can provide my ID to anyone my social security card.. anything to prove this is not my responsibility to pay. And honestly this is going to make it difficult to move into my own apartment and get XXXX XXXX XXXX on without an issue. 
Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I've contacted Convergent Outsourcing on numerous occasions to dispute this erroneous debt that is a result of identity theft. This debt does not belong to me. I have provided a copy of my FTC identity theft report and all of my correspondence with Convergent outsourcing over the past year! This company remains uncooperative and continue to violate my rights. This is my last attempt to remedy this matter in an amicable fashion. Failure to remove this immediately will result in my suing you in small claims court for your violations of 15 USC 1692 of the Fair Debt Collection Practices Act. As you can see I am keeping a close record of all my correspondence with you and the Credit reporting agencies that conspire with you to harm the consumer. I will sue you all.

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 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: NM

Complaint narrative:
This is a followup complaint to CFPB Complaint ID # XXXX. XXXX XXXX XXXX, XXXX sent documentation in response to that complaint which proves that I am not the person they are pursuing with the debts which they reported to my credit. 

1 ) I have never resided at the address that they have listed for " XXXX XXXX '', which per the attached documentation is XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) I have no associates or dependents or family members named " XXXX XXXX '' or " XXXX XXXX. '' 3 ) No members of my family or myself took ambulances on XX/XX/2014. 

Therefore, I am not the person who owes this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX of 2021, three unauthorized withdrawals were made totaling {$3000.00}, were made on my Bank of America EDD account. During this time I was in XXXX XXXX with family from XX/XX/XXXX .Attached you will find plane tickets, bank statements and pictures of my time in XXXX in order to verify my location during this time. On XX/XX/2021 I realized that my account had fraudulent activity, and promptly reported it to Bank of America. I have gone back and forth with Bank of America regarding this issue and they have been unhelpful and unresponsive to my situation. They have explained that there is video footage of me making these transactions. This is impossible, being that I was in XXXX with family. They also stated that they would make an appointment in order to review footage but have not communicated a time and date and have ignored all my calls and messages. During this times, COVID has been hard on my family and this amount of money is instrumental to not just myself but my growing family.

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is an issue with Barclays Credit Card and XXXX XXXX XXXX. 

My spouse opened a credit card in XXXX. He added myself as an authorized user. Later, he closed the account and settled the debt directly with Barclays. A few months later, this delinquency showed up on my credit report. Shortly after, he called Barclays to find out why it was on my card and they said the account was resolved and closed. 

A couple years later, XXXX XXXX XXXX started contacting me that they purchased my debt. I have tried multiple times with them as well as Barclays to find out why it continues to show up as a delinquency on my credit report. Through every dispute that I have made and every contact, they all say that it is my debt and I need to pay it.

The bad part here is that : 1. It was my husband 's credit card, not miner.

2. He closed the account.

3. He resolved the debt.

4. After all this, it is still showing as a debt collection on 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 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: MI

Complaint narrative:
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: LEXISNEXIS
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
One day I checked my credit report and I noticed that someone I didn't authorize ran my credit for vehicle I never tried to get. I sent in written disputes but still I have no results. Can someone please give me assistance with getting these inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied online for a XXXX 's store credit card through XXXXXXXX XXXX. I received a letter declining credit because Experian was reporting me as deceased.

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 2021-07-13 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: AZ

Complaint narrative:
I am writing this for myself and no one else, I recently taken a look at my consumer report and noticed some inaccurate info and Ive tried to reach out and havent gotten back any response while in the process of trying to better my situation and it is holding me back

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 2021-07-13 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: OneMain Finance Corporation
State: NM

Complaint narrative:
I have a potentially negative account from One Main Financial. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with One Main and it still has not been removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
The Bureaus, INC is reporting a fraudulent alleged owed debt on all three of my credit reports. I have sent 3 separate debt validation request via certified mail and The Bureaus, INC has failed to successfully validate this fraudulent account. I am not aware of this account and I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian consistently keeps my credit score lower than any other bureau. They then arbitrarily lowered my score 19 points. cited no reason for lowering my score. Interestingly they lowered my score a day after i elected to not complete their Boost process. This is unfair, they are punishing people for not giving them the personal information they want.

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 2021-07-13 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: IL

Complaint narrative:
I sent numerous letters to the credit bureaus over a long span of time and they did not respond. I never received mail that they even considered my disputes.

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 2021-07-13 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: MT

Complaint narrative:
Experian refuses to remove a " settled in full '' account from XXXX XXXX XXXX. I have the supporting document showing it paid in full. 
Experian no matter how many different disputes leaves the account on with false misleading hurtful infirmation that is preventing my family from getting the help we need. 
XXXX  and XXXX  are on my side and removed XXXX XXXX because it is paid in full ... ... .. 
XXXX XXXX, XXXX Reference # XXXX completed by XXXX XXXX . Phone.XXXX Experian never even bothered to talk to the settlement agency to verify any of it. Experian has been highly negligent in the entirety of this matter. 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 non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In XX/XX/2021, I accepted a 7 day trial offer from MyEquifax.com. On the 7th day, I called Equifax and cancelled my trial offer. For the next couple of months, I kept seeing attempted charges of {$19.00} on my XXXX. I called Equifax to ask why are they trying to debit my card for {$19.00}? I have cancelled that trial membership. I was apologized to and assured they would not be taking the {$19.00}. On XX/XX/XXXX at XXXXXXXX XXXX, I received a notice from XXXX that {$39.00} was charged and completed. 

I've made 4 attempts to correct this issue. I've escalated this issue to XXXX who stated he's a supervisor on XX/XX/XXXX, and lastly with XXXX on XX/XX/XXXX, both identifying themselves as Supervisors. 

On XX/XX/XXXX, XXXX stated the refund is processing and could take 7 -14 days. On XX/XX/XXXX, XXXX stated " I will not be getting a refund. They had a system glitch and you were speaking with agents who simply did not know what they were talking about. '' Offering a resolution of products and services. I declined the resolution! The only resolution is my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MI

Complaint narrative:
I filed a dispute in regards to some of the incorrect accounts posted on my report. it has been 30 days and i haven't received anything speaking on the investigation reports this isnt the first time this happened its ridiculous, this is affecting my credit report because you cant verify these accounts and are adding unnecessary inquires which causes me to look like a liability with alot of inquires ima need somebody to do their job the correct way or verify it the correct way. i also numerous times spoke and stated my information was compromised in the XXXX data breach i am asking this be deleted immediately. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Phoenix Financial Services has contacted me multiple times a day from multiple different numbers. I blocked two of them yet still receive calls from Phoenix on other numbers. This is a form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Nelnet, Inc.
State: KS

Complaint narrative:
In XX/XX/XXXX I called Nelnet to see if my student loans were protected under the CARES ACT. They informed me that my student loans were from a private lender and are not backed by the federal government, however, I could request to defer them due to the coronavirus, which I did and they told me that my loans would be deferred until XXXX. In XX/XX/XXXX Nelnet reported to all 3 credit bureaus that I was 90 days late on my student loan payments, without a single correspondence of any kind to me. This lowered my credit score over 100 points. I called Nelnet about it and they told me that for some reason my request was not processed in XXXX, but I could file another request, which I did and I have a letter stating that my student loans are deferred until XX/XX/XXXX. I also asked them if they could change the late payment status on my credit report. THEY told me to file a dispute with all 3 credit bureaus and that Nelnet would not challenge the dispute. I filed a dispute with all 3 credit bureaus and in XX/XX/XXXX Nelnet refused to change the late payment status. I called them about it and they told me that, internally, they are only allowed to change credit reporting for " natural '' disasters and that the federal government only declared the coronavirus pandemic a disaster, not a " natural '' disaster. I believe that this is an absolutely ridiculous technicality that is entirely the fault of Nelnet, but as of now, it will have a devastating affect on my credit and my life for the next 7-10 years.

Company response to consumer: Closed with explanation