vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: SC

Complaint narrative:
XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX who provided a loan of more than XXXX XXXX  to purchase a car, file 2 police reports one in XXXX and another one in XXXX were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXX credit department as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from XXXX letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly XXXX doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that XXXX employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like 10 hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.

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 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer UPPING XXXX XXXX XXXX my employer is XXXX 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my report. XXXX is reporting Employer as XXXXXXXX XXXX. They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit 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 non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi solicited me by snail mail to open a " XXXX '' XXXX  Checking Account and fund it within 20 days. Before the 20 day deadline Citi closed my new checking account without my permission and without first contacting me. XX/XX/22 spoke to XXXX other Citi reps in XXXX XXXX and both hung up on me explaining " we need to end this call ''. XX/XX/22 called Citi again and spoke to a supervisor in New Accounts Servicing ( named XXXX with ID # XXXX ). He promised NOT to hang up on me, verified me, and then hung up on me. XX/XX/22 received a letter dated XX/XX/22 from Citi Fraud Dept saying they've closed my new checking account and I can contact them at the same number on the back of my ATM card-the very same number where where they repeatedly hung up on me!! Outrageous behavior. I'm a current long-time Citi credit card holder.

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 2022-07-26 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: MO

Complaint narrative:
Experian has a sign my file to a agent called XXXX XXXX this guy have blocked my disputes from disputing items, and reaching other agents to get real and honest help. Experian and XXXX XXXX has stored personal information where I can only see it if am disputing, on the credit report. On my experian site it shows inaccurate information but Experian has shown me inaccurate information knowingly its more to my credit report which to me is fraud to steal my identity or to make it look like my dispute is inaccurate but its not am being target by XXXX XXXX knowingly using deceptive tactics to undermine my credibility and give lenders the wrong impression. Experian and XXXX XXXX keeping old information and using as refurbished as new. Experian and XXXX XXXX has added to my Experian Credit Report under my social without my authorization address XXXX XXXX XXXX XXXX this address is a copy of my real address I wonder where Experian and XXXX XXXX get this also IU have proof its on my credit report I will send. Experian and XXXX XXXX has willfully noncompliance with the law and knowingly use deceptive tactics on my credit report to undermine my credibility and give lenders the wrong impression. Experian and XXXX XXXX on my request more than 4 times, again, have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Over and Over I ask and sent letters requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have proof with high light documents showing my complaint. Also I have proof that XXXX XXXX has contacted my banks and accounts that was not inside any disputes that I made.

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 2022-07-26 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: MI

Complaint narrative:
Employment Info : Self Employeed XXXX XXXX XXXX XXXX. This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On the phone with customer service, lady didn't understand the question I was asking. 

Q : " what interest rate am I being charged '' I asked for supervisor, she put me on hold. Supervisor got on phone and also didn't understand the question, quoted me the incorrect rate. I clarified the question, she got mad and put me on hold. Came back on the line to tell me she was having system trouble, I believe this was a lie, puts me back on hold, without allowing me to speak or ask additional questions. 

XXXX XXXX, claimed she was a supervisor but couldn't tell me what my interest rate was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
Im writing to share a serious concern regarding our familys interaction with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter. 

Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX XXXX XX/XX/XXXX. 
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost. 
XXXX XXXX XXXX has communicated that this claim has been paid in full. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has been unable to identify the payment. As such, weve been contacted by the XXXX XXXX billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process. 
-To trace the payment, XXXX has communicated to XXXX XXXX XXXX XXXX XXXX must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to XXXX XXXX, the response has been, Thats not my job. 

Neither XXXX, in its role as the healthcare coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and XXXX XXXX, the payee. 

Weve worked diligently to resolve this matter with XXXX XXXX but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable. 

XXXX XXXX is currently requesting payment of {$380000.00}. Please note that there have been several iterations from XXXX XXXX requesting different amounts. 

Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and XXXX XXXX [ the payee ], and is not equal to the amount in the collection 's notice. 

2. The collections notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
This company hasnt verified or validated any contract with me or this company CREDIT CONTROL CORP. I have no alliance or knowledge of this company which seems to be a third party agency that I didnt authorize of any of my medical info including bills etc which is protected by HIPPA this company is misleading CFPB and contradicts their last response. They havent verified anything in regards of this debt or disclosed any contracts with them directly and for its perjury. I challenge this company to disclosed any signed documents/agreements with me and this company to the CFPB and myself. If they dont I will seek legal litigation and will be compensated damages for violating my rights. This never even updated the status as an dispute with the bureaus before which is illegal and i have evidence. They need to stop reporting debt to the bureaus remove reports cease and desist. I WILL NOT SHARE COMMUNICATE or AGREE TO ANYTHING with this company that I have no contracts with. I will take legal actions if they keep using antics and committing perjury

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
Hello, ERC and XXXX XXXX are illegally attempting to collect a debt that does not belong to me. 

I received a debt collection notice from ERC on XX/XX/XXXX. I was confused as to why I received this letter, but I opened it because it was addressed to me. 

I opened the letter to discover that I somehow owe a debt to XXXX XXXX in the amount of {$340.00}. I had never done business with XXXX XXXX in my life, ever! 

Confused, I decided to contact ERC, the debt collectors. They never answered their phone. After contacting them through email and explaining the mistaken collection, they told me I needed to contact XXXX 

I contacted XXXX XXXX  on XX/XX/XXXX to get to the bottom of this. I was able to speak with someone, and after sharing with them the information on the notice which had the account number on it, they were able to see who the account belonged to as well as a starting date for service. 

The XXXX XXXX representative informed me that the account was made in XXXX, XXXX. They could not locate my information anywhere even after providing my social security number. The woman on the phone literally stated they have no record of me as a customer. I suspect the name on the account was from the previous owner of the home of which I became the owner of in XX/XX/XXXX. I suspect this because they had my current address on file and relayed that the account was created in XXXX of XXXX, but provided no name. I was also XXXX XXXX XXXX in XXXX living with my parents. 

After relaying these facts to the representative, she directed me to fill out an identity theft form provided through XXXX 's fraud portal on their website. I filled out the forms and provided the necessary documents to the best of my ability. They required Proof of residency from the past 8 years. In addition to providing my living history, I provided proof of purchase of my current home from XXXX, XXXX. 

After I submitted all the required information I received an email from XXXX on XX/XX/XXXX stating I need to provide proof of residency from XX/XX/XXXX. To my knowledge, I can not provide this proof because it does not exist. I was a minor at that time and can not provide proof of residency from 20 years ago because I was a XXXX, in school, with no bills, job or identification. 

After receiving this response I decided to submit a complaint to the CFPB. 

I also notified ERC of this problem and they put the collection notice on hold until this gets sorted out. 

I'm at a loss and I don't know what else to do. Please help me. I have attached all the documents I sent to XXXX XXXX  for your review as well as their email response and the collection notice from ERC. I will be more than happy to cooperate with you in order to resolve this issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation