vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. The 5 inquires are XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/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 2017-10-01 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:
On XXXX XXXX XXXX I discovered Enhanced Recovery Corp ( XXXX XXXX ) had been re-inserted into my credit file. I 'm aware that the credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item, I did not receive any such notification. This item should be delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I viewed my credit reports 60 days ago. There is a paid charge off account for {$7800.00} from a company called XXXX XXXX XXXX. I do n't remember having an account with a XXXX XXXX XXXX, and have not sent them a dime, let alone {$7800.00}. So I googled XXXX XXXX XXXX address, I sent them a certified letter letter on XX/XX/XXXX it was delivered XX/XX/XXXX. In the letter I requested copies of the original signed dated contract, with my signature, to show proof I have an account with them. I gave them 30 days from receipt of the letter to send the requested documentation. They have not sent me anything. I want this erroneous account removed from my credit report. What I read in the Fair Credit Reporting Act, the alleged creditor had 30 days to send the requested documents, if they ca n't or do n't, then this is considered an unverified account and must be deleted from my credit reports. It has been over 30 days and XXXX XXXX XXXX has not sent me any documents, as proof that they have the right to place this alleged account on my credit reports. Please make XXXX XXXX XXXX removed this erroneous account from my credit report. The account number listed is 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 2017-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BB&T CORPORATION
State: TN

Complaint narrative:
Company contacted distant relative relating information about the debt owed. Told said relative who they were and why they wanted to locate me. Have requested no contact with 3rd parties previously.

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 2017-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been getting the run around from Transunion regarding an inquiry. I recently checked my credit file and noticed an inquiry from Transunion that I did not endorse. When I called Transunion I was told it was for an apartment complex in the state of Virginia. I live, reside and am currently in an apartment lease in California. I never attempted to get an apartment in another state, I never even considered moving. When I told Transunion this is not accurate they were not helpful and told me to just wait the 2 years until it falls off. This is an issue for me because I have an unauthorized inquiry on my credit file that should not be there. Also I was not notified in writing per Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me.

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 2017-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, i was told that my account was closed. The reason is that i do n't have utility bill to prove my address is active. Chase closed my account. Until now, nearly a month, i did n't receive the reset of my money. It is very terrible experience. i do n't know when can i get my money back. It is a big amount of money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: CA

Complaint narrative:
I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the XXXX inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/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 2017-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I entered the Transunion credit reporting site to freeze my credit account due to the recent XXXX debacle. I did a search on the site for " credit freeze '' and received a link to accomplish that. 
I completely filled out the form provided and gave them my credit card info assuming there was a fee for the service. A few minutes later I received a confirmation email that stated I had signed up for the Transunion credit monitoring and I would be charged XXXX per month for this service. 
I immediately called the customer service number. I initially talked to a person with a heavy XXXX accent who claimed to be in Minnesota. He indicated that there were several people experiencing the same problem I had and gave me a billing no. and a freeze no. to call. 
I called the billing number and explained what happened. The rep indicated the service would be cancelled and I would not be billed. She provided a confirmation number XXXX. She also had a foreign accent and refused to state what country she was located in. 
On XX/XX/XXXX my XXXX account was charged {$19.00} for the service. I have since protested the charge to XXXX. 
Transunion is practicing fraudulent and deceptive actions to defraud consumers. 
Extremely worrisome is their practice of outsourcing their customer service to foreign nationals, further placing consumer information in jeopardy to make more profit. 
My wife XXXX XXXX XXXX also had this same experience on XX/XX/XXXX and is also protesting the XXXX charge to her XXXX account.

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 monetary relief
Consumer complaint received 2017-10-01 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:
I am a victim of identity theft and there is currently a collection account being reported to my Transunion report for a debt I did not create. 

It is under the name " XXXX XXXX XXXX XXXX '' for the amount of {$1300.00}. The account number is # XXXX. 

I mailed a dispute to Transunion on XXXX XXXX XXXX and to this date, I have not heard back on my investigation request. Transunion is refusing to delete this account from my report despite the fact that I mailed them a copy of a police report I filed with my local XXXX XXXX Sheriff 's office. 

Transunion needs to delete or block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. 

This collection company, XXXX XXXX XXXX, has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Transunion is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Transunion is held accountable to the full letter of the law if they do not honor my request.

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 2017-10-01 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: VA

Complaint narrative:
Asked both XXXX equifax and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within 24 hours and after 72hours no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. 
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. 
My dispute with XXXX was denied. The collection was determined valid, and updated immediately. 
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care.
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied.
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency.
Its incomprehensible that XXXX refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. 
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by XXXX bad faith conduct and violation of my consumer rights. 
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by XXXX to validate the inauthenticity.. why? 
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did XXXX obtain to validate an illegal collection. 
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? 
i need XXXX to explain their investigation and determination of validity. 
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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:
I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
There is a debt on my credit report from Midland Funding LLC. This debt was purchased from XXXX XXXX. The amount of the debt is for {$920.00}. This debt appears on the XXXX, XXXX and XXXX credit reports and has been reporting since XXXX XXXX. I have disputed this debt with all three credit reporting agencies with no progress. I have contacted Midland Funding LLC several times because according to their website I qualify for a hardship that is outlined on their online Consumer Bill of Rights, which states : Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify active duty servicemembers and stop collections from those servicemembers. 
We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

When calling Midland Funding LLC I 'm told each time by a customer service agent that no such program exists, after I explain that this does exist and it is on their website I 'm then transferred to a consumer care representative who then asks me what makes me think that I qualify for this program. I then explain my illness which is XXXX XXXX and that my income is only XXXX XXXX XXXX. I 'm then told that I need to contact someone named XXXX XXXX XXXX, who is an XXXX that works for Midland Funding LLC and work out everything with her office. I then explain to the CSR that the hardship is through Midland Funding LLC and that Midland Funding LLC is the business that is reporting this to the three credit bureaus. Then on every call I 've made I go back and forth with a CSR that I will not be calling any other office other then Midland Funding LLC because that office is not the entity that is reporting to the credit bureaus or the company that is offering the hardship. Midland Funding LLC then states that they will send an email to XXXX XXXX XXXX stating what I had stated to Midland Funding LLC and then I can call back in 7-10 business days to find out the results. I call Midland Funding LLC back in the 7-10 business days and then the process starts all over again, with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01 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: OH

Complaint narrative:
To Whom It May Concern : My credit report has address I discovered that are not mine on it and it contained some errors pertaining to the following my individual personal information. I am demanding that you promptly update and delete addresses that I never resided and may possibly be relatives address. These please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. 

My name is : XXXX XXXX XXXX, File Number XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX OH My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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, XXXX, OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct. 
There is account I do not recognize from a XXXX XXXX XXXX # XXXX this is a error please delete!

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 2017-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Never lived at XXXX XXXX. X wife lives there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: VA

Complaint narrative:
Asked both transunion XXXX and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated

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 2017-10-01 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: VA

Complaint narrative:
Asked both XXXX XXXX and Experian to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated

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