vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 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: GA

Complaint narrative:
For nearly 3-years, I have been trying to get Equifax to remove a collection item that the company has instructed them to do so. XXXX XXXX XXXX sent me a letter and requested that the credit bureaus delete this item from my report dated XX/XX/2017. 

Equifax has refused to acknowledge this additional information. Instead, the item remains over 2-years later. 

Equifax is in direct FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-25 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX B U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B XXXX XXXX XXXX XXXX XXXX  XXXX XXXX B N/A XXXX XXXX  XXXX XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX B DEPT OF ED/XXXX  XXXX B XXXX XXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-01-25 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX XXXXXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXXXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX XXXXXXXX U S DEPT OF ED/XXXX/XXXX XXXX XXXX   XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX  XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX XXXX U S DEPT OF ED/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX XXXX DEPT OF ED/XXXX XXXX XXXX  DPT ED/XXXX XXXX XXXX DPT ED/XXXX  XXXX DPT ED/XXXX XXXX XXXX  DPT ED/XXXX  XXXXXXXX XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-01-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX   XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX XXXX DEPT OF ED/XXXX  XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX  DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXXXXXX 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 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-01-25 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:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-01-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management reported to XXXX, XXXX, and XXXX  that I had an account with them that I opened on XX/XX/2019. This information is false because I did not open any credit card accounts in XX/XX/2019. 
I want Midland Credit Management to submit the following to me as proof that I opened this account on XX/XX/2019. 

The initial agreement between myself and the creditor. 
A transfer of debt ownership to a third-party collection agency. 
My payment history. 
The current account balance. 
Fees and penalties added to the account. 
The collection agency 's bonded right to pursue the debt in my state of residence. 

Afterwards I want Midland Credit Management to remove the information posted on my credit reports from the following credit reporting agencies. 

XXXX  XXXX XXXX In addition Midland Credit Management or it's subsidiaries are to no longer contact me about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have gone back and forth with Equifax so much over the last few years that it is absolutely ridiculous. They are reporting incorrect data on my credit report and refuse to remove it. I have gone back and for with the companies that supposedly have report these fraudulent accounts to Equifax and even after the companies themselves have written to Equifax to have the negative items removed, they still refuse to do so. Most recently, i filed a dispute with Equifax in XX/XX/2019. I guess they received it today because now i can not view my report or score on myequifax.com or my other credit monitoring site ( XXXX  XXXX ). When i log into my account, i get a message telling me to call customer service. After 3 failed calls and being on hold for hours, i finally get a rep who hangs up the phone in my face after verifying my identity. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
I opened and account with XXXX XXXX XXXX/ First Horizon Bank on XX/XX/2019. The promotional bonus on the advertising card stated that a {$400.00} bonus would be deposited into my checking account within six weeks after the account had been opened for 90 days. I have attached a picture of the advertising card as well as my communications with a representative from the bank. The representative acknowledged that I was due the {$400.00} bonus, but that I should wait until the end of this week to see if it is deposited. It has not been deposited, and we are going on eight weeks after the 90 day opening period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System reported to XXXX, XXXX, and XXXX  that I had an account with them that I opened on XX/XX/2019. This information is false because I did not open any credit card accounts in XX/XX/2019. 
I want Jefferson Capital System to submit the following to me as proof that I opened this account on XX/XX/2019. 

The initial agreement between myself and the creditor. 
A transfer of debt ownership to a third-party collection agency. 
My payment history. 
The current account balance. 
Fees and penalties added to the account. 
The collection agency 's bonded right to pursue the debt in my state of residence. 

Afterwards I want Jefferson Capital System to remove the information posted on my credit reports from the following credit reporting agencies. 

XXXX  XXXX  XXXX  In addition Jefferson Capital System or it's subsidiaries are not to contact me in any form about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
Collections account reported on my credit report that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NV

Complaint narrative:
A Fraud Alert was added to my Experian credit file without my consent, Experian has refused to remove this fraud alert after multiple requests. I am also unable to call Experian as the company has blocked my phone number since last year.

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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked equifax several times even sending them a fax as requested to shut down whatever MY Equifax is. I did not sign up for it, some one put a hold on my credit using thier service and has complete access to my information. The sent a letter by mail that there was nothing to cancel because i have no account. an emaili recieved today that had the following disclosure at the bottom " You are receiving this email because you have a myEquifax account. Please do not reply to this email. For help or support, contact the Equifax Consumer Care team at XXXX. Equifax Consumer Care is available between XXXX XXXX and XXXX  ( ET ), 7 days a week. Or, email us anytime at XXXX. 

They are intentionaly allowing someone to harrass me using my credit profile and refuse to shutit down.

Company response to consumer: Closed with explanation