vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It all started because I received an alert from Experian about the dark web and some of my information. It really put a damper on a very special event because I could not access my account on-line to check on the problem and there was no phone number provided. 

Today, XX/XX/XXXX, beginning at XXXX XXXX. I attempted to contact Experian due to inability to access my account on-line ; including much time to research for a " contact a human '' number. Every phone number relating to Experian has had me give private/pertinent information for access but then only responds that I must go " on-line '' to resolve any issue. I have proof of over 13 placed calls from me to them.

I found through research that if I called a certain number and responded with " 2 '' ( as if I were a business and not an individual ) I would be put through to a human. 

Finally, at XXXX I spoke with XXXX. XXXX confirmed my account information and informed me my account was not active because I needed a pin which I would receive 5-10 mins. upon completion of the phone call. She refused to let me have the pin while on the phone so that I could be sure it would work. 

At XXXX after over an hour of waiting I attempted the same phone number again and was not given a human option. The phone number/tree I had used to contact XXXX now gave only information telling me to go " on-line '' to solve my issue ... .which was never addressed ... and which I can not do because they never sent the pin. 

When I called again attempting to cancel my account I am very surprised to find out that I no longer exist in Experian 's system. This, despite the fact that I was charged by them on XX/XX/XXXX for their services. ( I have since cancelled the charge card as " lost or stolen '' as suggested by my bank as the only option I have to prevent another charge by them. ) I am at this point seriously concerned that Experian, after such nefarious and dissembling customer service, might actually cause me harm. Aside from the 20+ times I had to enter my social security number how can I trust a company that treats a customer this way? Especially with my private financial information? Please help.

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 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I have sent the debt collector us collections west proof that the debt that are trying to collect is not mine and was opened fraudulently in my name due to identity theft. I have sent them the police report by XXXX police department, identity theft report filed with the federal trade commission and they are asking for a detailed report from the police which does not exist. I have talked to the supervisor in charge of the financial crimes department at XXXX police and was told there is no follow up and case was not assigned to a detective. They need to stop collecting this debt as it is not mine. My credit is also frozen with all 3 major credit bureaus due to the identity theft that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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:
I HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED XXXX, XXXX AND EQUIFAX TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED XXXX, EXPIERAN AND XXXX  TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have created a consolidation of credit reporting agencies through XXXX and noticed that my address is wrong. I have tried to contact the credit reporting agencies for resolution of a bad address. XXXX  and XXXX  were very responsive and I was able to verify that my address with them in one phone call. However, with Experian I have run into nothing but roadblocks. Because 2 of the 3 reporting agencies were correct I concluded that Experian had to be the one with wrong address for me. I live in Virginia and the address listed is from Georgia. I tried to create a complaint online and and when I pressed continue, I got an " OOPS, we're sorry! '' And an " Call us toll-free at XXXX '' I tried calling and all I got was Freeze press 1 and Fraud press 2. I did not want to freeze so I pressed fraud and it said to press 1 to freeze. Frustrating!!! All I want to do is to talk to someone to check my address!! 

XXXX 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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMCB - AUTO FINANCE This item is outdated and keeps appearing on my credit score. I've disputed this item many times. I need this item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 reviewed my credit report and I noticed that XXXX XXXX was reporting. I have never signed a contract with XXXX XXXX. If there is a contract in place, then someone at the Dealership forged my signature. I never purchased any vehicle from XXXX. Please assist me in getting this account removed from my credit file. This account is showing on all 3 of my credit files.

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 2020-03-04 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:
I reviewed my credit report and I noticed that XXXX XXXX was reporting. I have never signed a contract with XXXX XXXX. If there is a contract in place, then someone at the Dealership forged my signature. I never purchased any vehicle from XXXX. Please assist me in getting this account removed from my credit file. This account is showing on all 3 of my credit files.

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 2020-03-04 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-03-04 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: IN

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-03-04 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: GA

Complaint narrative:
I've sent numerous requests to Experian requesting the name and date of the person that validated information being disputed. They have yet to provide the information and these accounts must be removed from my credit file. In addition another letter was sent disputing numerous inquiries in which I did not authorize. Again, Experian has ignored my request to remove the items. Experian has allowed accounts to be placed on my report that are not mine. According to the law Experian is required to remove the accounts and DO NOT re-insert.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: CA

Complaint narrative:
Requested my CLUE report in XX/XX/2020 as I am entitled to see it once yearly. I was sent a letter in the mail with a web address and pin number to access that report. Upon trying to access the report on XX/XX/2020, I was denied entry to view the report even though the pin was not expired. I then called the help phone number provided and was placed in an automated system that did not work. I attempted to obtain a live agent but was not able to reach one. 
Due to this, I am not being provided my CLUE report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was travelling in XXXX during XX/XX/2019 and got my wallet, my credit cards, debit card, drivers license and my phone stolen on XX/XX/2019. I called Chase immediately after i discover my items were stolen ( within 2 hours of the theft ) and explained the situation. The representative told me there were several charges made on my credit card and debit already. I told them that i did not authorized those charges and my wallet was stolen. The representative reassured me that i won't be responsible for those charged and my card was cancelled and a new card was issued. I also asked them what else i need to do to protect myself, and they told me i was doing the right think to call them. 

About a week ago i received a letter from chase notifying me that they determined that i was responsible for those charges after their investigation. i called back immediately as i do not understand how such decision was made. i was told that they had obtain evidence from the merchants that i was responsible for those charges and ask me to provide evidence that i did not make those charges. This is really frustrating as i called Chase right away and was assured that i won't be responsible. Now three months later when i returned from XXXX and impossible for me to produce any corroborating evidence of the theft, they now tell me that i'm responsible?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been denied credit from the following XXXX XXXX for a credit card. The main reason is that Equifax stated that I had a credit score that ranged from 250 to high off 900. The XXXX that they are reporting is totally wrong. I have never had a score below 750

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was shopping for a mortgage and requested a hard inquiry on XX/XX/XXXX. As a result, my Transunion score dropped by 3 pts. The following day, I had another inquiry ( XX/XX/XXXX ), but it did not affect my score. 

On XX/XX/XXXX, my score rose back up by 3 pts. due to credit line increase -- bringing it back up to XXXX. However, after I pulled my final inquiry on XX/XX/XXXX, the XXXX score went back down by 3 points from Transunion and by 2 points XXXX. 

I was told by Transunion that I have 14 days to shop for a mortgage and that it will be counted as one ( see link below ) : https : //www.transunion.com/blog/credit-advice/how-rate-shopping-can-impact-your-credit-score Nevertheless, it did, in fact, affect my score and both credit bureaus were unwilling to correct this.

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 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX as XXXX XXXX of a XXXX XXXX I was reach out by text message by a unknown customer who requested service I received a cashier check for the amount of {$1900.00} the amount exceeded my charge for service. 
customer explain via text message why the amount of why was too much when my charges were only {$150.00}, he wanted me to paid a moving company he contracted I deposit the check on my app as always without no concern a day after the money reflected in my balance, up to this moment I had no issues. customer reach out to me and ask to deposit the balance XXXX to mover to this email XXXX with the name of XXXX to a XXXX account. On XX/XX/XXXX I sent the money since the amount reflected in my bank of America XXXX account, two days later I checked my balance and for my surprise bank of America deducted my balance tremendously in  shocked I call them right away to check what was going on, they couldn't explain right away, went to a nearest bank with the original check cashier check, they still couldn't tell me, only thing they were able to say was contact the person who sent you the check of course I did, person was also shocked and say will go to his bank. couple days later I get in the mail the deposit letter from the bank that the check is altered/fictitious. they were openimg an investigation but they weren't helping to get my money back even I provided them with the information XXXX XXXX XXXX address phone number XXXX XXXX XXXX XXXX NJ XXXX PHONE ( XXXX ) XXXX THEY STILL DID NOT DO ANYTHING. On XX/XX/XXXX I get a letter from bank of America stating they were closing the claim. I even made a police report DC # XXXX how can they not be able to help me, I been a loyal customer for over 10 years. and all I got was we cant do nothing cant help 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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Department of Defense has a charge off on my Experian file ( acct. prefix XXXX Dollar amount {$2000.00} ). This was a bonus payable if I remained in service for a period of time. I left prior to that time period in XX/XX/XXXX. The DOD placed the item as a COLLECTION on my file in XX/XX/XXXX.

They did not comply with the FCRA obsolescence guidelines to remove it in XX/XX/XXXX. In XX/XX/XXXX, they changed the status from a collection to " charged off '' and moved the obsolescence date to XX/XX/XXXX based on that action. This means that a collection that actually started in XX/XX/XXXX, would remain on my file for FIFTEEN YEARS. 

I disputed this with Experian, XXXX XXXX and XXXX. XXXX XXXX and XXXX properly removed the item. Experian did not. This is a clear violation of the FCRA Section 605 ( a ) ( 4 ) and clarified in Section 605 ( c ) ( 1 ) with regard to the seven year period.

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 2020-03-04 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:
I have contacted Experian regarding XXXX XXXX XXXX. They said that the company said that these were legitimate charges so they stay. I have never been to an emergency room or a doctor that I didn't have medical insurance with a small deductible! There is a new one that has shown up that was opened in XXXX of 2020 and I seriously have not been to a hospital in years! I I do not understand how they are just putting these on my credit. 
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 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
There was a medical collection placed on my report from ARS Account Resolution. When trying to verify the debt and ask for a letter to be sent to me so I can settle it through my insurance company, I was hung up on. I called back and was hung up on again.

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 2020-03-04 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: AZ

Complaint narrative:
I submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX I disputed these on XX/XX/XXXX and a 2nd time on 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 2020-03-04 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am XXXX  XXXX  Military deployed or assign XXXX  for most of the past decade. 
I am a homeowner in New York, my Home of Record. In XXXX that property was damaged by flooding by Hurricane Sandy. My Mortgage was with XXXX XXXX   but was serviced by PHI Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX Phone XXXX XXXX XXXX. Continues to report negative information on my name to the credit bureau years after the Mortgage company was transferred to the current mortgage company.

Company response to consumer: Closed with explanation