vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing because Equifax continues to break the FCRA. Obviously, this company feels they are above the law. After several dispute results saying the Chapter XXXX bankruptcy was " verified '' by XXXX - which is a flat out lie. So either they have not done an investigation or they just lie and send out form letters. I have enclosed a letter and proof from XXXX no bankruptcy is being reported in XXXX ; yet, Equifax continues to claim they are verifying the information through XXXX. Additionally, I also enclosed a letter from the court which states they have not provided any information to " any '' credit reporting agency. I would also like to report that XXXX  and XXXX  deleted the bankruptcy from my credit report, so how is Equifax verifying this public record? The FCRA states third parties can not be used to verify anything and all data provided must come from the furnisher of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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:
On XX/XX/XXXX : I checked my Equifax credit report and found there was a hard inquiry from a company I did not recognize for an inquiry I did not authorize or ask for. This was from " XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX '' The hard inquiry was made on XX/XX/XXXX. 

I made a dispute with Equifax. About this inquiry. 

On XX/XX/XXXX : I received a letter from Equifax saying this hard inquiry was valid, and to contact the company to figure out why. So I did some XXXX  and found out that this company is a scam. Many XXXX  reviews say that this same thing has happened to them and that Equifax can not remove the hard inquiry. 

On XX/XX/XXXX. 
I tried to call them several times including The company will not answer. They do have a website and have no other way to contact them. I can not find them or get an answer to why this is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
Both my wife and myself have problems with our security freezes on Equifax. We can never do it online and have to call every time. What is worse is that when my wife tried to lift her freeze on XX/XX/2020 she was not able to. When they asked her various questions they insisted that she has a mortgage in her name, she does not have a mortgage in her name at this time and has not for at least 2 or 3 years. They then wanted either a faxed copy or a mailed copy of both her driver 's license and social security card. Since we do not have a fax this is an unreasonable request and there is no way anyone in their right mind would mail this information where it can easily be stolen. We have had these ongoing problems with Equifax for several years now. We do not have these problems with XXXX   or XXXX. It is making it impossible to get credit in many cases. We also have problems pulling our free credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I can not identify the following information appearing on my credit report : XXXX XXXX XXXX Type of Industry : Other Collection Agencies Account Number : XXXX Address:XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone Number : ( undefined ) undefined

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX  XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
MANDARICH law has filed a law suit against me on behalf of XXXX who stated they are collecting for XXXX card ending in XXXX which was charged off back in XX/XX/2014 ... and I believe is out of statute of limitations. I contacted XXXX who stated they are NOT trying to collect on this account and to contact XXXX. XXXX started settlement negotiations when law suit was dropped off at my house and handed to my minor child ... 
I contacted MANDARICH law whom I told that serving a minor child of mine was not a good service, and they told me to ignore the summons because they would serve me again. This never happened and last week I received their request for judgement be entered in my name and filed with the court .... This is taking advantage of my lack of legal knowledge. Intentionally telling me NOT to respond to the suit ... NOT providing me with details and NOT answering to my request to validate and prove the account should be punishable by law ... this is not a fair consumer treatment ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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 pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: SC

Complaint narrative:
We have been trying to temporarily lift a credit freeze on our Experian credit report. I have tried online with both my info and my husband 's info and we are unable to get through to lift it. They gave us a pin number years go but we no longer have that. When we request a new pin, they are unable to comply. When I try to reach anyone by phone - I end up in a never ending automated loop that always leads me to the online website. When I try to do it online, I get an error message to call the toll free number and the circle begins again. Finally, they request that I send them a copy of social security card, license and utlity bill or bank statement to : Experian Credit Freeze. ARE YOU KIDDING ME? Why not just put, " everything you need to steal my identity '' on the front of the envelope? They don't return the copy by mail ( I'm assuming because they realize that it is unsafe ) so why do they require me to send it that way? There is NO fax, NO online address, NO chat option and NO person by phone. I am finally forced to comply with their request but I feel that this is unacceptable, irresponsible and unethical. Experian is purposely putting my confidential information at risk. They shouldn't be allowed to profit from serving consumers unless they are available to actually serve the consumer. I am not attaching any of the information I sent because it is confidential.

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 2020-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
In early 2019 I had an issue with a sore hip and pinched nerve in my lower back. I had numerous Dr visits, tests etc within the XXXX XXXX XXXX in the XXXX are of Wisconsin. Two days prior to leaving on a vacation, I had a XXXX XXXX in my XXXX and due to the quick scheduling my insurance company had not yet approved the procedure prior to me having it. I paid for the procedure in full on the day of service. A week or so later my insurance company approved the procedure and issued a payment. I never received a refund of the payment I made to them. Subsequently I had some additional Dr visits and XXXX XXXX  appointments. I made copay payments at the time of each service. 

I later received a notice from a collection agency ( Americollect Inc of XXXX WI ) that I owed {$200.00}. I called the billing office at the hospital requesting a complete accounting of charges and payments for 2019 and never was provided them. I made this request 4 separate times each time being promised that the records would be sent. The final time I was told that they can't provide the information because the account was turned over to collections. 

The collection agency has also refused to provide the information I have requested. I don't know what else I can do. I have told them that I will pay it if they can provide a complete accounting as my records indicate that I have overpaid amounts owed and in fact due a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
1 ) I disputed XXXX 's {$600.00} bill in letters via a ) Sequium Asset Solutions LLC dated XX/XX/2019, answering their billing dated XX/XX/2019 ; & another collection agency b ) XXXX XXXXXXXX, XXXX dated XX/XX/2019, answering their billing dated XX/XX/2019. 
COMPLAINT : XXXX began porting over phone service XX/XX/2019 and completion date was delayed XX/XX/2019 because XXXX failed to assist me with unlocking the phone numbers associated with my PIN, which I could not remember causing a delay in porting services by XXXX. For that reason, XXXX knew I was cancelling service which was stated in a brief conversation with a female representative verifying service cycles that had just ended from XX/XX/2019 to XX/XX/2019, which I paid iao {$260.00} on XX/XX/2019. The new cycle began from XX/XX/2019 to XX/XX/2019. I also spoke with XXXX from XXXX just to verify that I no longer had service with them and owe nothing at that point, to which XXXX agreed. So, I was quite surprised to receive a XXXX bill via two different collection agencies. I would submit that nine days of service may be appropriate for billing by XXXX, which would be 9 days divided by {$260.00} being about {$29.00}. I then asked XXXX to investigate twice to which they sided with XXXX with no other explanation. I want to receive recordings of my calls to XXXX during the periods indicated above to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
XX/XX/XXXX I called Citibank North America ( CBNA ) to request a validation notification. I spoke with an CBNA employee & she informed me they can not send me any letters/notices about my debt account due to it being in the archives & closed. 

XX/XX/XXXX I called Citibank North America to speak with someone else about my debt. The CBNA employee said my account is in the archives & they do not have access to it therefore they can not send me a letter on my account debt. The CBNA employee also informed me my account is in the archives & closed at this time. 

XX/XX/XXXX I called Citibank North America for a second time this day. I request to speak to someone higher up. They denied my request. I asked to get a letter on my debt so can get it paid & off my credit report. The CBNA employee said my account is in archives & closed. They can not send me any kind of paperwork and any payment i make is voluntary. I asked the employee how do i get it off my credit because it is keeping me from getting a mortgage. The CBNA employee said i have to send a check but they can not send me any paperwork because my account is from XX/XX/XXXX and closed in the archives.

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 2020-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 we my wife received a welcome letter from Bank of America thanking her for opening both a savings account and checking account with them. She didn't do either. We received the letter on Monday XX/XX/XXXX, we immediately visited the closest BofA branch on Tuesday the XX/XX/XXXX. We talked to a banker who called the BofA Fraud department who only said they would look into it. The banker told us the only way to open an accout was to walk in to a branch with ID and Soc Sec number or valid ID. 

On XX/XX/XXXX we received a letter stating " We've completed our research on your claim listed above and determined you are not the person responsible for opening the account '' " At this time we consider your inquiry resolved and no further action is needed. '' This is not acceptable we want to file a police report with the copies of the ID used and or email address used. We met with the manager of the branch today and she contradicted the banker saying someone could in fact open up an account on line. We need to know how it was opened and what ID 's they used to open it. 

I have called the Bank of America Check Fraud department and they refuse to give us any information saying it would have to be subpoenaed. This is all wrong

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 2020-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
My wife at the time, in 2011 had a car financed through Santandor. We made made payments on time when we were together. We ended up getting separated and divorced. She kept the car but she missed 14 payments payments during this time. She finally paid the car off now the account says paid/closed on it. I signed the title completely to her. Can I get my name off this account and get it removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX has filed a law suit against me on behalf of Midland who stated they are collecting for XXXX  card ending in XXXX which was charged off back in 2014 ... and I believe is out of statute of limitations. I contacted XXXX  who stated they are NOT trying to collect on this account and to contact Midland. Midland started settlement negotiations when law suit was dropped off at my house and handed to my minor child ... I contacted XXXX XXXX whom I told that serving a minor child of mine was not a good service, and they told me to ignore the summons because they would serve me again. This never happened and last week I received their request for judgement be entered in my name and filed with the court .... This is taking advantage of my lack of legal knowledge. Intentionally telling me NOT to respond to the suit ... NOT providing me with details and NOT answering to my request to validate and prove the account should be punishable by law ... this is not a fair consumer treatment ... please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I lost my wallet in XXXX someone was using my ID I also went to XXXX  because they had bills in my name in debt in my name they have all the phone and use my name for XXXX XXXX  and other stuff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have been a great customer with Discover for years always paying on time. I was threatened in signing a document to obtain all my tax records with a third party affiliate of XXXX  to do this if I refused they would close my account a report it as fraud. They did that and reported it with my other creditors. Im an XXXX XXXX and cant get stressed this caused me to have to go to the hospital. I checked my credit report today and my credit has gone down 152 points. This is causing a great deal of stress and fear that I may have a XXXX XXXX. They have ruined my credit. Discovers corporate will not contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: AZ

Complaint narrative:
There are multiple fraudulent inquiries on my credit report that are 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 2020-03-09 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: FL

Complaint narrative:
I can not identify the following information appearing on my credit report : XXXX XXXX XXXX Type of Industry : Other Collection Agencies Account Number : XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone Number : ( undefined ) undefined

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY   CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation