vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XX/XX/XXXXbecause in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support XX/XX/XXXX. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with XX/XX/XXXXI cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
This company over the years have destroyed my credit on purpose, if i get a defrement they report to the credit bural i have been late for 120 plus days or more. and thats not true as i am on a deferment plan. they lied to the credit agency. how can you put late payments on me when i have a deferment. they been harming me for years, they fixed it before on both loans and now have it down again as late payments many of them. stop this and take those late payments off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: AZ

Complaint narrative:
XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX , AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: AZ

Complaint narrative:
XXXX XXXX, XXXX # XXXX, DOXXXX, Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX  XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX XXXX AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

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 2022-02-04 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: AZ

Complaint narrative:
I opened a dispute with Experian for my XXXX XXXX XXXX XXXX  account ( late XX/XX/2022 ). During the dispute investigation, the creditor was not honest and decided not to change or correct my account balance to reflect paid in full. Because, my account balance was Paid In Full before and during the dispute investigation. After reviewing the Experian dispute results dated XX/XX/2022, I called the creditor and they refused to accurately update my credit report. And the creditor rep told me to contact Experian to clear this matter up. So, I immediately called Experian and they said ; I can try to upload documentation proof for the dispute or mail the proof to their XXXX XXXX XXXX which would take several weeks to process ). I tried uploading the documentation and it was not accepting my numerous submissions.

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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. XXXX XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX i called chase and informed them tht a deposit was made on my account two checks for XXXX each that i didnt deposit i also informed them that someone attempted to take XXXX out of the account because of an alert i received. They immediately turned my debit card off i was told to go in and see a banker with my social security card and ID which i did it was friday XXXX XXXX. i waited until XXXX XXXX called again i wastd the banker didnt put my information into the system to go back which i did in XX/XX/XXXX, the banker put my information into the system this time as a verification i sid all that continued calling only to be told my account was being closed no explanation i reported the fraud went in to verify my identity and was punished for it like a criminal no explanation my online was cut off they talked to me very nasty and short i dont want a negative mark on my name especially when i did the right thing i didnt withdraw any money i reported it and nothing was done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The following ( Equifax ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services has sent me over ten emails and mail stating that i owe them and i dont even know who this company is. I sent them a cease and desist asking them to vaidate the debt pursuant to 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
EXPERIAN broke the law. As you can see in both documents attached I was denied for XXXX XXXX credit cards I applied for. Both denial letters stated that they denied me because the credit utilization on account that were furnished by EXPERIAN were too high. Pursuant to the XXXX, Credit Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Key word ASSUME. Because EXPERIAN assumed the role and reported information I never gave expressed written consent to be furnished on my credit report and file, I was denied credit that is my birthright to receive, violating XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXX and XXXX XXXX 's denials have caused my life much emotional, mental and financial stress. EXPERIAN has violated my rights as a federally protected consumer under 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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express exposed my XXXX credit score by printing it in my monthly credit card statement with neither my request nor permission. AMEX did so as they informed me they were raising my APR by six points despite my never having been late on a payment and always having paid above the minimum required. I believe it is a legal violation to print my XXXX credit score on a document and then send that document through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am in the process of purchasing a home, I was informed of a collection amount of {$91.00} through XXXX XXXX which is not a company I have ever had an account with. I called XXXX XXXX and they confirmed that my information is not associated with any account previous or current. I then called XXXX to get the collection agency contact information. I called CCS collection on XX/XX/2022 to ask them if I pay this debt ( which has been confirmed to not be mine ) if they would send me a deletion letter. I was told that yes, if I pay this amount in full, I would receive a deletion letter confirming that it would be removed from my account. I still paid this debt that did not belong to me, in order to be able to quickly proceed with moving forward with purchasing my home with the understanding that it would be removed from my report. I have not received a deletion letter, and CCS collection is not responding to my requests for the letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, Experian allowed a fraudulent hard credit pull ( for a mortgage ) during an active credit freeze. The Experian website does not allow credit inquiries to be disputed online. The website asks the customers to call XXXX. However, the automated phone system does not allow an option for this particular issue, nor does it offer to connect me to a representative or leave a call back request. There is no published email address to handle specific consumer credit report issues. I have found no way to contact the company at all regarding this very concerning issue. 

There should be no credit inquiries at all on my report during a freeze. I've verified that a freeze was already in place on Experian for me. 

I've confirmed credit report freeze with all three agencies as well as placed an initial fraud alert on my SSN.

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NY

Complaint narrative:
This XXXX/SYNOVUS XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX/SYNOVUS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: NY

Complaint narrative:
This XXXX/XXXX  XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following ( Experian ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting XXXXm reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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