vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against NCB Management regarding their flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2024, I submitted a request for validation of a debt that appeared on my credit report, please see enclosed. 
Despite the considerable duration of time since my request, to date, NCB Management has failed to provide any form of validation for the debt in question. 
Furthermore, in direct contravention of the FDCPA, on XX/XX/XXXX I received correspondence from NCB Management attempting to collect the alleged debt, see enclosure. 
According to Section 809 ( b ) of the FDCPA, " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' It is abundantly clear that NCB Management 's actions are not only in violation of federal law but are also causing undue harm and distress to myself. I demand immediate cessation of all collection activity related to the aforementioned debt until such time as proper validation has been provided, in accordance with the FDCPA. 
Failure to comply with this demand will leave me with no recourse but to take legal action against NCB Management for their continued violation of my rights under the FDCPA. Additionally, I request that the disputed account be promptly removed from my credit file since NCB Management obviously can not provide the required validation. 
I urge you to take appropriate action to ensure compliance with federal law. Furthermore, I requested also that the three credit agencies investigate this matter and take any necessary enforcement actions against NCB Management to ensure they are held accountable for their unlawful practices. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and your cooperation in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-12 00:00:00
Product: Credit reporting 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 am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
SOS Group- XXXX XXXX called me to ask why I disputed the collection and I said because I have explained and confirmed with a VA representative on the phone with an SOS group that I, the patient, is not responsible for the debt. XXXX said she can't confirm I'm not responsible so I asked her the confirmation from the VA rep on the call with us said it clearly. She denied it happened and said she will continue to refile the collection. 
XX/XX/2024 XXXX XXXX Told me my collection with them is not her problem. Said I was yelling ( i XXXX XXXX XXXX XXXX can not yell ) I kept asking her to not speak over me so I could explain the process the VA has taken to try to resolve this issue. XXXX told me I need to take a manners class and said she would not help me or call me back. 
XXXX XXXX called me and told me I was a liar when I told him I spoke in a 3-way call with a VA rep and an SOS group rep. I told him I also had a 3-way call with the VA and the hospital and he kept telling me I was lying that the collections does not speak to the hospital. I tried to correct him saying I had calls between the VA and Sos and then the hospital and Va. he continued to tell me he will keep refilling the collection. The debt is not his problem. He continued to call me a liar. I asked to send him the receipt and authorization of payment and he said he doesn't want it. It's not his problem and he will keep denying the dispute to credit companies. I told him I appreciate his time and thank you for speaking to me and he said " well i don't appreciate you at all. '' And hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
I called the number listed on the letter I received the person told me to call back when I could get online. When I called back they refused to take my call and I am still unable to get online or access my account in anyway. Also they refused to take my concern about lost debit card. They played games with me that were abusive to my XXXX XXXX. They kept paraphrasing me in a sarcastic tone and in an abusive manner. They discussed my account without me ever identifying myself. I recorded the call as per local law and informed them I was recording it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting 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:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Certain accounts listed are erroneous, causing me considerable unease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX  XXXX || Account number : 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX  XXXX || Account number : XXXX - XXXX XXXX XXXX || Account number : 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX  XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Have no contract with them never signed anything with this company making liable for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I ask XXXX and Equifax please review the address and phone number associated with XXXX credit card account is not mine. I dont recognize nor have have I ever lived at the address associated with the XXXX credit card account. This account was fraudulently opened without my knowledge. XXXX has done a thorough investigation and acknowledged that the XXXX credit account was fraudulently opened and XXXX has removed it from my credit record. Please help me and do the same as XXXX did. Its been frustrating for years of disputes with XXXX and Equifax and has gone nowhere. Because of this credit remark, I have been turned down by apartment rental agencies, I cant find a decent place to live. I have been denied by loan companies and car rental companies. I have filed multiple police reports with local police department and online police reports. I have sent both credit bureaus all my documents including all my police reports and consumer finance complaint reports. I dont know what else I could do to help my situation. Please understand and help me remove the XXXX credit card from my credit record. Thank you for your time and your understanding, have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I ask Experian and XXXX please review the address and phone number associated with XXXX credit card account is not mine. I dont recognize nor have have I ever lived at the address associated with the XXXX credit card account. This account was fraudulently opened without my knowledge. XXXX has done a thorough investigation and acknowledged that the XXXX credit account was fraudulently opened and XXXX has removed it from my credit record. Please help me and do the same as XXXX did. Its been frustrating for years of disputes with Experian and XXXX and has gone nowhere. Because of this credit remark, I have been turned down by apartment rental agencies, I cant find a decent place to live. I have been denied by loan companies and car rental companies. I have filed multiple police reports with local police department and online police reports. I have sent both credit bureaus all my documents including all my police reports and consumer finance complaint reports. I dont know what else I could do to help my situation. Please understand and help me remove the XXXX credit card from my credit record. Thank you for your time and your understanding, have a wonderful day.

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 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ensuring timely payments has been my priority with this account, ensuring no instances of overdue payments. I'm puzzled by the late payment remarks appearing on my accounts, and I believe they should be corrected according to 15 USC 1666b - Billing Error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There were accounts in my credit reports that were not mine or were opened due to credit fraud. I disputed with Credit bureaus, XXXX, XXXX, and Transunion and they were corrected. However, without notifying me XXXX XXXX  XXXX fraudulent accounts were added back to my credit report. I provided the identity theft report and police report already. Both XXXX XXXX  XXXX accounts do not even show account numbers and balances are different from all three credit bureaus. I was not notified that XXXX XXXX  XXXX accounts were going to be placed back on my credit report and because of it, I lost an opportunity for a job. 

I searched online and this is a violation. I was not notified prior or provided a reason or explanation. 

Please remove again XXXX XXXX  XXXX XXXX accounts ASAP. I spend a lot of money and time on disputes already, I do not want to spend more time to get it removed/corrected and then you add back the fraudulent account again.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were accounts in my credit reports that were not mine or were opened due to credit fraud. I disputed with Credit bureaus, XXXX, Equifax, and XXXX and they were corrected. However, without notifying me XXXX XXXX  XXXX fraudulent accounts were added back to my credit report. I provided the identity theft report and police report already. Both XXXX XXXX  XXXX accounts do not even show account numbers and balances are different from all three credit bureaus. I was not notified that XXXX XXXX XXXX accounts were going to be placed back on my credit report and because of it, I lost an opportunity for a job. 

I searched online and this is a violation. I was not notified prior or provided a reason or explanation. 

Please remove again XXXX XXXX  XXXX XXXX accounts ASAP. I spend a lot of money and time on disputes already, I do not want to spend more time to get it removed/corrected and then you add back the fraudulent account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There were accounts in my credit reports that were not mine or were opened due to credit fraud. I disputed with Credit bureaus, Experian, XXXX, and XXXX and they were corrected. However, without notifying me XXXX XXXX  XXXX fraudulent accounts were added back to my credit report. I provided the identity theft report and police report already. Both XXXX XXXX  XXXX accounts do not even show account numbers and balances are different from all three credit bureaus. I was not notified that XXXX XXXX  XXXX accounts were going to be placed back on my credit report and because of it, I lost an opportunity for a job. 

I searched online and this is a violation. I was not notified prior or provided a reason or explanation. 

Please remove again XXXX XXXX  XXXX XXXX accounts ASAP. I spend a lot of money and time on disputes already, I do not want to spend more time to get it removed/corrected and then you add back the fraudulent account again.

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