vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the late payments and collection were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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:
Hey I have been a Victim of Identity theft to where someone at my old address got a hold of a pre approval letter and somehow my ssn and tried to apply for a credit card. I opt out but the bureaus wont delete this obsolete information from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: IN

Complaint narrative:
We recieved a letter in the mail that we owe a unpaid bill for a toll on the XXXX XXXX on XXXX on XX/XX/2021. We were not even in XXXX on that date and we have bank charges showing that we were in XXXX XXXX  on that date. Tried to call the company resolve the situation and they hung up on us. When researching this company on the Internet there were a lot of people complaining about the same problem we are experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I received an email on Wed, XX/XX/XXXX at XXXX XXXX  stating that I have applied for and been approved for an Aspire Mastercard Credit Card from The XXXX XXXX XXXX. I tried to contact them, but they kept requesting my SSN, which I do not want to provide since I do not know this company and they contacted me first. 

I waited in hopes that this was just a single fraudulent email, but on Fri, XX/XX/XXXX at XXXX XXXX  I received an email that I successfully activated my card. This raised my concern so I called them again and they said that they did not have a record of me being on an account without me providing a SSN. 

Today, Tue XX/XX/XXXX at XXXX XXXX  I received an email about a $ XXXX purchase on " my '' new credit card. I would like to end this harassment and potential fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.

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 2021-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I am a public service worker, having been in the field since XXXX. I had my loans serviced through Pennsylvania Higher Education Assistance Agency ( PHEAA ) for a majority of the time when I first learned I was eligible for the Public Service Loan Forgiveness Program in XXXX. This was after not being told or encouraged to join through that servicer, who also had many loans tagged incorrectly, thus not reflecting the correct eligibility. I have recently re-certified my eligibility, but find PHEAA through FedLoan Servicing, only reflects roughly have the qualified years, telling me that there were forbearance they placed on my accounts when I would have been eligible for $ XXXX  monthly payments prior to and immediately following my marriage in XXXX. They have mismanaged my account that I have spent over 4 years trying to fix, with them now properly certifying my eligible years, but not that of eligible payments that they consider.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.

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 2021-09-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 

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

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

3. Identity Theft XXXX  XXXX  Account Number : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 

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

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

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

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

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

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

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
CREDITOR IS NOT ORIGINAL ACCOUNT GRANTOR, DISPUTED TWICE BEFORE ASKING FOR ORIGINAL RELATIONSHIP DOCUMENTS BEARING THE CORRECT GPS LOCATION DATA VALIDATING THE DEBT WAS LEGALLY OBTAINED. I RECEIVED NO COMPLIANCE, I THAN ASKED CREDITOR TO PROVIDE ME WITH THE METHOD OF VERIFICATION USED TO INVESTIGATE THIS CLEARLY INACCURATE DISPUTE? ALL I ASKED FOR WAS THE ( CONSUMER CONTRACT BEARING MY WET SIGNATURE ) TO VALIDATE THIS ALLEGED DEBT BELONGS TO ME AND I STILL HAVE NOT RECEIVED ANY COMPLIANCE WITH THIS COLLECTOR. Please have collector provide ORIGINAL DOCUMENTS AND statements stating the debt belongs to me, the debt was sold, or the debt was purchased. FDCPA legal time frame STATES YOU MUST inform me WITH A NOTICE ( 5 days ) OF YOUR ORINGINAL PURCHASE DATE, ABOUT THE PURCHASE OF THE DEBT. Please provide original relation documents betwen original creditor or remove this from my account for it is a violation of the FDCPA to try to collect on debt that you not verify as correct or true, If you claim to have verified this account and claim to have sent the formal notice of obtaining the debt than please send original copies of documents sent or remove this my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I fell behind and submitted a application for mortgage assistance due to burial fees of my mother passing away XXXX XXXX I completed the application and its still in review for 3 months now and i submitted all documents and finished all my paperwork through XXXX which assisted me as well with the application. Its in the underwriting stage but its taking a toll on my credit and it also is taking a very long time for repayment or any assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account USAA Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been 45 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately This account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
I, XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my credit profile that need be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a victim of identify theft there are invalid inquiries on my report. 

US SM BUS ADMIN XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX 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 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 2021-09-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As a victim of identify theft there are invalid inquiries on my report.

US SM BUS ADMIN XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: PA

Complaint narrative:
The following accounts are listed on my credit report do not belong to me. I've asked creditors to provide me proof that these accounts are mines and got no response. Also no one has sent me anything with my signature for these debts. The accounts listed below are fraud and need to be removed immediately! 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX I AM NOT A CREDIT REPAIR COMPANY

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 2021-09-21 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: PA

Complaint narrative:
The following accounts are listed on my credit report do not belong to me. I've asked creditors to provide me proof that these accounts are mines and got no response. Also no one has sent me anything with my signature for these debts. The accounts listed below are fraud and need to be removed immediately! 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX I AM NOT A CREDIT REPAIR COMPANY

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 2021-09-21 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: PA

Complaint narrative:
I XXXX XXXX am submitting this complaint myself and there are no third parties involved. XXXX, XXXX and Experian are in violation 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance Transactions that are not initiated by the consumer ( 1 ) In General a consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of the subsection ( a ) ( 3 ) in connection with any credit or insurance that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( b ) ( i ) the transaction consists of a firm offer of credit or insurance ( 3 ) Information regarding Inquiries Except as provided in section 1681g ( a ) ( 5 ) of this tittle, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer. I the natural consumer never authorizes or initiated .This shows pursuing to 15 U.S. Code 1681e - Compliance procedures Experian, XXXX and XXXX XXXX in violation of section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The following accounts are listed on my credit report do not belong to me. I've asked creditors to provide me proof that these accounts are mines and got no response. Also no one has sent me anything with my signature for these debts. The accounts listed below are fraud and need to be removed immediately! 

XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX I AM NOT A CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RAB, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I contacted ecommissions about a letter that was sent to a 3rd party a present employer referencing an account still in dispute for non-payment by XXXX XXXX  XXXX XXXX. 

The director of defaulted accounts Ms XXXX XXXX was unproductive and unprofessional. Ms. XXXX was very argumentative, belligerent, and disrespectful. She was unable to answer my questions referencing the threatening letters received. XXXX invaded my privacy and harassed me for the last time is what I said. 

Further, Ms. XXXX XXXX the director of default advised that I obtain a lawyer regarding the monies in dispute because the file in question was referred to their attorney for payment. RAB, Inc is not an attorney office and awaiting figures for settlement or a payment plan. MsXXXX XXXX state the loan is personal but its a commercial debt. I do not own any shares in XXXX XXXX XXXX XXXX or the title company I am seeking damages for the threats, invasion of privacy, violating for greed, breach of peace, and XXXX attempt to diminish my name with new broker of record. 

The harassment started when XXXX could not get in contact with XXXX XXXX XXXX broker XXXX XXXX XXXX the owner and broker of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS XXXX XXXX XXXX, XXXX, CA XXXX AWA has reported a delinquent account to all major credit reporting agencies ; I have no knowledge of this dept. or of who AWA Collections is, I have attempted to obtain information about reported dept. from AWA to no avail. The reported collections amount is {$4100.00}. I feel this is totally unacceptable and may be the victim of identity theft. I need help with this.

Company response to consumer: Closed with explanation