vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, US SM BUS ADMIN ODA, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. US DEPT ED XXXX {$4800.00} US DEPT ED XXXX {$5300.00} US DEPT ED XXXX {$5000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$880.00} XXXX  XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$2700.00} XXXX  XXXX {$3000.00} XXXX XXXX {$8200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00} XXXX   XXXX {$1000.00} US DEPT ED XXXX {$4800.00}

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. US DEPT ED XXXX {$4800.00} US DEPT ED XXXX {$5300.00} US DEPT ED XXXX {$5000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$880.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$2700.00} XXXX XXXX {$3000.00} XXXX XXXX {$8200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00} XXXX   XXXX {$1000.00} US DEPT ED XXXX {$4800.00}

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX  XXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want this to reach the eye of the Capital One Corporate Office Vice President in charge of Customer Relations. 
I have ( had ) 2 Credit Cards with Capital One Bank for several years. I have never been delinquent in my payments and currently carry a {$0.00} balance on both cards. I have had Authorized Users, including my wife and child for many years. a few months back, I used the Capital One online service to add some Authorized Users to each of the Accounts. I noticed that they had not reported for over 2 months, so I called to inquire. To my dismay, I was automatically sent to their Fraud Dept. I was told that they needed the Signed SS Cards and the Front and Back of each Authorized User 's Driver License. I have provided ALL but one SS Card but submitted a W2 in lieu ( This compliance with Capital One 's policy to provide these many documented proof should serve as good faith and I should not have my cards remain closed. ) I then called back to confirm receipt. At that point, I was told that the accounts have been permanently CLOSED. No reason was given. I called back several times to get a reasonable explanation and to get the cards reopened because of a possible mistake. I was subsequently told that my accounts were closed due to returned payments on this or other related accounts. That is in fact NOT TRUE. I have NEVER had been delinquent with this company, nor do I have delinquencies with any other account, related or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AZ

Complaint narrative:
Equifax has not completed their investigation and I have not received the results 1. The following account is not mine XXXX XXXX   XXXX Please remove it from my credit report. Reported in XX/XX/2020 2. The following account is not mine USBK COURT Reported in XX/XX/2020 Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4.The following account is not mine XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5.The following account has never been late XXXX   XXXX XX/XX/2020 reported Please remove late history from my credit report XX/XX/2020 6.The following account is not mine reported XX/XX/2020 XXXX XXXXXXXX XXXX  XXXX please remove it from my credit report. 
7. The following account is not mine XXXX XXXX XXXXThe following account is not mine.Please remove it from my credit report. Reported XX/XX/2020 8. The following account is not mine Reported XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 Please remove it from my credit report. 
9. The following account is not mine reported XX/XX/2020 XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXXXXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent XXXX XXXX numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my XXXX XXXX credit report ( all 3 bureau reports )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TX

Complaint narrative:
I have sent XXXX XXXX numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my XXXX XXXX credit report ( all 3 bureau reports )

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 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have Midland Credit Management trying to further ruin me with there aggressive collection tactics and complete disregard for the physical, emotional, and psychological toll I am enduring. 

The nature of my complaint involved a very aggressive debt collector named " midland credit management '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX XXXX account. However a second complaint will be filed with regards to my other account with them. 

In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. 

Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt Midland Funding bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the XXXX Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. 

However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a penny out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX  profile so you can see. 

I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been having trouble making a mortgage payment over the phone. I have been trying to reach someone by phone with no success. Whenever I call I am told by an automated system that my account manager is not available. I have left messages for the account manager with no call back. I am unable to talk to a supervisor or manager since the system does not allow. I have called the sales department and have stayed on the phone with a sales rep for over an hour to no avail. I am worried that this may lead to additional charges for late payments or other actions for none payment.

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 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I realized on XX/XX/2020 my credit report had a collection from Waypoint Resource Group in the amount of {$1200.00} that I was unaware of. On XX/XX/2020 I certified mailed a verification of debt letter, which arrived to them on XX/XX/2020 and they have yet to respond to my debt validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We need to get a prepaid credit card or reloadable card for our son who is XXXX but is living with another family member due to playing hockey. PNC does not offer either for him because he's XXXX. When I tried to sign up for " XXXX '', PNC does not allow bank transfers to this card. 
I have never had a bank be so difficult to work with ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX AR XXXX {$980.00}

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX XXXX XXXX {$980.00}

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 2020-08-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have tried to have my information updated on my credit report as it is listed incorrectly. I have contacted Equifax several times regarding this and they have failed to correct it. I sent a letter to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each to no avail and I considered sending another letter because as of XX/XX/XXXX they still have not corrected my DOB but I decided to file a complaint instead. You will find all of the letters I sent to them attached along with my driver 's license which I also sent to them for legal proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE & WEINER COMPANY PLACED A COLLECTION ON MY CREDIT REPORT FOR SOMETHING THAT I DON'T HAVE ANY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have an excellent XXXX score - XXXX as reported by XXXX XXXX XXXX XXXX. The Downloaded credit report from XXXX does not match with the refusal reasons provided by Wells Fargo. 

* Serious Delinquency >> No such information on a credit report by XXXX * Lack of recent installment loan. 
>> I do not have a need for a loan and this is not a loan application * Too little time has passed since bank cards were opened.

>> I have 2 cards, one was opened in XX/XX/XXXX and the other in XX/XX/XXXX. 
* Account has late payments or negative records within 1year of  opening. 
>> I always pay in full and no such late payment info in my record. 

Since each card refusal ( hard credit check ) has a negative impact on my credit history, I want a detail review and explanation on the refusal. The refusal summary and credit report DO NOT MATCH.

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 2020-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
Company has not contacted me for over 2 years regarding this debt. They called from an unknown number threatening to send police and contact my supervisor at work to find my location. Proceeded to contact family members and ask if I live there and stating they would send police to verify if I didn't contact them. I called as soon as I could. They proceeded to put me on a payment plan that is above my means currently but I agreed so they would not continue to harass me or my family. They did not give their name or any information other than the phone number and case number. I do not have anything in writing to confirm the payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I mistakenly transferred the amount of {$750.00} to the wrong person who would not refund the transaction. I contacted CashApp support on XX/XX/2020 by disputing the transaction because I was unable to reach a representative by phone. I then received a generated response saying that if it was a peer-peer transaction they unfortunately could not resolve. I reached out through XXXX  on XX/XX/2020 as well and was messaged by their team who said that they could report the account, but could not retrieve my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I disputed with all 3 credit bureaus via certified mail, article numbers availible upon request. Source Receivables also received a validation request after identifying this alledged debt on my credit reports. 
This debt appears on my credit report as Account # '' 1 XXXX '' with alledged amount owed {$2100.00}. 
This company has violated my rights under the FDCPA and FCRA .I also mailed via certified mail return receipt requested, article number availible upon request. I received mail from source receivables that provided partial validation.The documents received is not validation under Federal Law in accord with the FCRA section 809. Additionallythe documentation has nothing to do with me. 
I have enough problems, a recent diagnosis regarding a debilitating illness and unemployment. 
I plead with CFPB to assist me in this matter and stop this company from ruining my credit regarding this alledged debt that is not mine.I want this information removed from all 3 of my credit reports immediately. I  appreciate the time and effort in advance regarding the involvement of the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation