vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
2 time 's on credit report, should be 1 time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: CA

Complaint narrative:
XXXX and Equifax are reporting wrong type of BK # XXXX on my credit report ... Back in 2009 I did file for chapter XXXX which was discharged and statute of limitations for this type of BK is 7 years. This BK aka public record should not be on my credit report because 1 ) it is a chapter XXXX not a XXXX 2 ) it has been 10 years since filing date, both XXXX  and Equifax have different dates both of which are incorrect. 

3 ) I attempted to dispute this with XXXX  over the phone - agent was very rude and refused to take my information keep directing me to their website which would not let me access my own report. When asked for supervisor I was put on hold for 28 minutes after which my call got disconnected on purpose. I then wrote two letters with no response from XXXX  .... I called today they claim not to have any record of me sending the dispute but I do have a copy of the certified mail sent to them on XX/XX/XXXX and XX/XX/XXXX. 

Equifax website is non responsive and does not allow for disputes to be filed, I disputed over the phone mailed and faxed in supporting documentation with them returning saying that creditor - the court has verified the accuracy. I contacted the court who stated they do NOT report or verify with bureaus. 
I contacted XXXX XXXX now, who stated they do NOT have public record reported on my credit file to any of the bureaus at all.. then who are they verifying this info with then.. this is a lie after lie and a violation of F.C.R.A I prepared my complaint to FTC as well as Attorney Generals office if this BK is not removed from my credit report immediately and accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My husband and I were in our yard talking when we were approached by XXXX XXXX ( a worker from XXXX XXXX ) on XX/XX/XXXX. She began to ask if we were interested in having an alarm system set-up. When we inquired about the price she told us how expensive it was and we informed her that we couldn't afford to pay those prices. We then thanked her for stopping by and she asked if she could get our phone number and email address and told us to think about it over night and she would call in the morning just to be sure we didn't want the service. She contacted my husband and he told her that we were NOT interested and that was the last we heard of her. 

On XX/XX/XXXX I pulled my ( Equifax ) credit report and there was AND STILL IS a hard inquiry on my report. I tried contacting her with the number on the business card she left but she never answered my calls. I also tried disputing it with the credit bureau but it's still on my credit report as of XX/XX/XXXX. I have no idea how they were able to obtain my credit report since I NEVER gave her any of my personal information other than my name and email address. They used completely unethical business practices and obtained an unauthorized credit check that was never requested by myself nor my husband. I have no idea why they would even attempt to run my credit when they were told we were not interested in their service. Companies who practice unethical and unprofessional business practices such as this must be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NV

Complaint narrative:
I worked as a XXXX XXXX for nearly 40 years. On XX/XX/2016 I was injured in XXXX, Illinois while I was performing my duties, I was treated at XXXX XXXX in XXXX, Illinois, and at XXXX XXXX Hospital in XXXX, Illinois. 
I was placed on XXXX with The Office of Workers Compensation, Department of Labor. I am still covered under Workers Compensation as my injuries are XXXX, I have a XXXX XXXX. I have XXXX XXXX  codes associated with my injury which are supposed to be used correctly for any and all billings. 
I have received numerous requests for payment, and bill collection notices in the past two years. I am now receiving repeated calls from debt collection agencies in Illinois and now Nevada. I am being harassed for payment of medical bills which are covered under The U.S. Department of Labor, Office of Workers Compensation Program. 
XXXX XXXX, XXXX, IL. XXXX has been contacting me for payments of {$210.00}, {$1500.00}, {$1700.00}, and amounts in excess of {$6000.00}. XXXX XXXX and XXXX XXXX XXXX has forwarded a non-payment status to both XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL. XXXX. Phone XXXX. Grant & Weber , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX. Phone XXXX extension XXXX. 
In each and every instance I have informed both XXXX XXXX XXXX XXXX XXXX XXXX, that I am a XXXX XXXX covered under the Department of Labor OWCP, and that OWCP is fully and completely responsible for any and all payment for services of my injury and XXXX XXXX. 
I have faxed documents as such to XXXX XXXX and XXXX XXXX XXXX. I have called and explained to both that I am not responsible for bills owed by the Dept. of Labor, My injury is fully compensated and it is illegal to attempt to collect payment directly from me, the injured XXXX XXXX. I have made numerous attempts along with OWCP to resolve any and all issues regarding any billing, yet I continue to be harassed. I am at the limit of my tolerance, I do not wish to be harassed further!

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 2019-03-07 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX PARK XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: NC

Complaint narrative:
I recently received a copy of my credit report where Ive noticed an account I previously disputed still reminds in my credit with comments if reinvestigatuin however the investigation has been ongoing for a year now and the bureau refuses to delete the account which clearly hasnt been verified and validated in addition the bureau has failed to provide proof of verification or validation within the required 30 days The account in question on with XXXX XXXX XXXX XXXX and the proof is attached of the credit report Also the bureau shows several account with no account details, payments, last date of activity this is unlawful and the accounts should be deleted ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
This is a follow up to case # XXXX as the concern is still not resolved. 

My request was misinterpreted. I did not request a list of the periods that did " not '' qualify and why. First, I specifically asked for reconsideration of the payments made in XX/XX/XXXX and XX/XX/XXXX due to the new law signed into Congress as I had described in my complaint. Additionally, I'm not sure why you are saying I was in deferment for one month back in XX/XX/XXXX. I had never to my knowledge been informed of this nor did I request a deferment. Please explain. Lastly, I'm asking for the official letter, as originally requested, showing the total number of qualifying payments I've made toward PSLF, which still hasn't been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX ) $ ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
I sent you a complaint against STATE FARM BANK. Yes, you may say this is a duplicate. I have tried call them to discuss the issues. I have been on hold for over 30 minutes after recoding said 6 minute wait. 

I don't I don't have {$340.00} past due. I don't have this amount due as payment. 

They need to credit the FRAUD charges and re-evaluate amount due. There is a new charge for XXXX {$17.00} I told them when XXXX was removed not to allow auto bill from this company. They did allow this creditor XXXX called them again to credit this back. They charged two different card for this one charge. This card should have never been charged XXXX explained that to you in 2018 If not I won't pay another dime and will file CHAPTER??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bushwood Capital Group, Inc.
State: KS

Complaint narrative:
I received several calls from Bushwood Capital Group at my place of employment. They first called the office that I worked at 8 years ago and as I still work for the same company, they were provided my most recent work phone number. They have called multiple times with the most recent being XX/XX/19 at XXXX CST. They are claiming that I owe {$100.00} to the Colorado Department of Transportation. They told me if I give them my card number, they will stop calling. They told me that they will continue to call every 48 hours until it is taken care of. I ran a credit report today and show no record of what they claim I owe nor does it show the creditor that they claim that I owe. When I have tried to call the number back, it goes to a voicemail that says a name of XXXX XXXX? which is different than the person that is identifying himself as supposedly XXXX XXXX. 

As my credit report is clean, I find it hard to believe that 8 years later, this is the first I am hearing about a so called debt. This is why I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Midwest Recovery Systems
State: TX

Complaint narrative:
I have taken a major drop in my credit score because od this fraudulent account. I have never had an account with this company or agreed to any contractual agreement to repay A debt. On my credit report it says the original creditor was A place called XXXX  XXXX XXXX. When I contact XXXX  XXXX XXXX they inform me this was an online loan taken out back in XXXX and the debt has been sold to this company. This is A FDCPA violation! This company is reporting inaccurate FRAUD information on me report with A open date XX/XX/XXXX! I have informed the original creditor this is A fraudulent account as I have never had a loan taken out with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( 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 2019-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Fair Financial Corp.
State: CA

Complaint narrative:
Hello, I contracted with a company named " Fair '' to acquire a short term lease to acquire a car to use for work.

I should have realized not to do business with this company after they ran separate hard credit checks inquiries simply because the car I wanted ( and they promised was ready ) was unavailable and I needed to get a different car.

I picked up the car, which was misrepresented by the company in the ad, with pertinent damage the exterior and interior with major stains on the cloth interior. The payments were automatically billed against a credit card, however after a few weeks, FAIR began billing each of my two cards {$220.00} per week even after I unsaved my credit card information. 

Attempting to contact them, in the month of XX/XX/2018, I was required to wait 45 minutes for a human representative who would put me on hold again for a supervisor, who were always conveniently " Not available ''.

When I attempted to return the car, the company did not show up & on the agreed upon date and did not call. Fair continued to bill me after my pickup date because the car " did not get returned ''. I have a copy of a signed document showing the car was picked up on the XX/XX/XXXXhowever, a bill on the XXXX. Yet the Fair representative picking up the car insisted I was not allowed to have a copy of the pickup receipt, which I found incredibly inappropriate. However I was so desperate to end their overbilling, I was afraid of giving them any more reasons to say " The car wasnt pick up yet '' and continue to overbill instead of acknowledge their failure to use vendors who do not give out receipts. 

I was overbilled to the sum of {$1100.00} over the 3 months I was using the car for work, and I received threatening form letters however I can not for the life of me get a supervisor on the phone to actually fix their mistake. 

I have sent multiple emails and attempted to call their office but I have gone ignored once the person insists its going to a supervisor, but the issue is clear : there isn't anyone with the necessary authority who is available to their customers, after they sign on the dotted line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter XXXX filing that has discharged since XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter XXXX and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter 7 filing that has discharged since  XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter 7 and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 7.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter XXXX filing that has discharged since XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter XXXX and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 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 2019-03-07 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  ( Original Creditor : XXXX XXXX XXXX  ) $ ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX ( Original Creditor : 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