vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: TX

Complaint narrative:
Was notified by Experian that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX EMERG MED SVCS OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any medical services provided to me since XXXX. I contacted Experian on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day ( XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked Experian how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. Experian once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both Experian and XXXX  have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any medical services provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with XXXX their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!

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 2020-05-14 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: TX

Complaint narrative:
Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any XXXX XXXX provided to me since XXXX. I contacted XXXX on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day XXXX XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and Equifax have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any XXXX XXXX provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with Equifax, their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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:
XXXX XXXX  LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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:
XXXX XXXX LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX  XXXX XXXX {$1100.00} I have enclosed a copy of the XXXX  XXXX XXXX Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

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 2020-05-14 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: CA

Complaint narrative:
There are fraudulent inquiries that I did not authorize appearing on my Equifax credit report that I request be removed immediately. I filed a police report, put a freeze on my Equifax report and a statement of fraud on my report and provided the police report and identity information to Equifax and they still have not removed the inquiries. I PREVIOUSLY FILED A COMPLAINT : XXXX Equifax 's response was that a dispute process was initiated and I would hear results in 30 days. No verification was actually done by Equifax as 3 days later they mailed a form letter stating that any creditor with my information and authorization has the right to run my credit. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! 

No action was taken by Equifax to investigate and delete the fraudulent inquiries. A police report was filed, a fraud alert place on my credit report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I decided to freeze my credit with all 3 bureaus after thieves broke into my USPS mailbox and stole all the USPS mail, some likely included my personal information. 
1 - No problems at all with XXXX  did it online very quickly after an identity check questionnaire. 
2 - Equifax, created an account, filled out the freeze form online, but repeatedly got the message that it could not be done online. No explanation, no identity questions other than social security number, DOB and address requested. 
3 - XXXX  same issue as Equifax - followed the online prompts and kept getting a " can not be done online '' message on repeat tries. No explanation, no identity questions other than social security number, DOB and address requested. 
Google search on this strange issue in 2020 's internet era shows other people who have had Equifax and XXXX give them a hard time freezing or unfreezing the credits. I wonder if these companies are not purposefully making it harder on the people to freeze or unfreeze since they can no longer make money off of this service? Which should be illegal. I hope this tactic by Equifax and XXXX  does not continue for long. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: CA

Complaint narrative:
There are fraudulent inquiries that I did not authorize appearing on my Transunion credit report that I request be removed immediately. I filed a police report, put a freeze on my Transunion report and a statement of fraud on my report and provided the police report and identity information to Transunion and there are new fraudulent inquiries appearing on my report. I PREVIOUSLY FILED A COMPLAINT : XXXX Transunion 's response was they had deleted the inquiries, which 2 are still remaining along with the new inquiries from other companies. Please delete these inquiries and follow the fraud alert I put on my report. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! A police report was filed, a fraud alert place on my credit report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have numerous disputes with usaa. I have 2 cards the biggest issue is with a XXXX charge. The original hold was for around {$180.00} in XXXX. They then allowed me to be charged 2600+ to my card with a limit of XXXX. Im now in the hole {$4500.00}. This is on 2 cards each with only {$1000.00} credit limit. As you can imagine this tanked my scores. Ive been trying to get them to dispute this XXXX charge and several others for months now. I can not get them to help me. I thought I was supposed to have some sort of protection as a user of credit cards. Usaa has taken every dispute and credit my account temporarily and then charged it back. The XXXX  charge should be the original hold no higher. The other charges I disputed were some fraudulent and some bad goods or services. Please get them to follow the law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Student Assistance
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I decided to freeze my credit with all 3 bureaus after thieves broke into my USPS mailbox and stole all the USPS mail, some likely included my personal information.

1 - No problems at all with XXXX, did it online very quickly after an identity check questionnaire.

2 - XXXX, created an account, filled out the freeze form online, but repeatedly got the message that it could not be done online. No explanation, no identity questions other than social security number, DOB and address requested.

3 - Experian, same issue as XXXX - followed the online prompts and kept getting a " can not be done online '' message on repeat tries. No explanation, no identity questions other than social security number, DOB and address requested. 
XXXX search on this strange issue in 2020 's internet era shows other people who have had XXXX and experian give them a hard time freezing or unfreezing the credits. I wonder if these companies are not purposefully making it harder on the people to freeze or unfreeze since they can no longer make money off of this service? Which should be illegal. I hope this tactic by XXXX and Experian does not continue for long. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One Quicksilver Card and was denied.I received the denial letter stating they couldn't retrieve my reports when I have three hard inquires from Capital One, one at each credit bureau XXXX XXXX XXXX XXXX. I tried contacting the application department but its been closed due to the pandemic. Im writing because honestly I have read all the requirements and meet every one from Capital Ones definition of excellent credit Ive never declared bankruptcy or defaulted on a loan ; I havent been more than 60 days late on any credit card, medical bill, or loan in the last year ; Ive had a loan or credit card for 3 years or more with a credit limit above {$5000.00}. To the disclosure that states I am not eligible for this offer if : My application is received after this offer expires, is incomplete, unreadable, and inaccurate or can not be verified. 
My address is not in one of the following locations : the 50 United States, Washington, D.C., or a U.S. military location.

My address is a correctional institution.

My monthly income ( my disclosed total annual income divided by 12 ) doesn't exceed my monthly rent/mortgage payment by at least {$420.00}. Or, Capital One otherwise determines that I am unable to make my monthly payments.

I am under 18 or do not have a valid Social Security Number or Individual Taxpayer Identification Number.

I have applied for a Capital One credit card 2 or more times in the last 30 days. 
I have 5 or more open credit card accounts with Capital One.

I have a past due Capital One credit card account.

I am over my credit line on a Capital One credit card.

I have had a Capital One credit card that charged off within the past year.

I have a non-discharged bankruptcy ( one that is still unresolved ).

I have met every requirement and spoke with a representative from the corporate office and stated that the error was system generated. My application was going to be resubmitted for a manual review and til this day haven't heard a word. I'm very experienced in credit history and an expert in reading credit reports. I only see this as a system error and hope it's nothing further then that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX  has attended to collect a debt that was a result of identity theft and has since reported it to a collection agency. This has resulted is severe damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regions bank has attended to collect a debt that was a result of identity theft and has since reported it to a collection agency. This has resulted is severe damage to my credit.

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 2020-05-14 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: FL

Complaint narrative:
The reason for my dispute is because of several unrecognized fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX 10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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