vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 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: PA

Complaint narrative:
I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I sent them the latter and they have not removed this unauthorized inquiries

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 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Lender Inc
State: GA

Complaint narrative:
The self lender account that was open on XXXX XX/XX/XXXX was open fraudulently I did not authorize this damaging account on my report or near did I apply for a installment loan with self lender because I wasn't aware of self lender at time I was not checking my credit report or I haven't had alerts enable to receive updates on my credit report so I was unaware what was going on with my credit report file I am 100 % sure that this account was opened by a mistake XXXX XXXX is a very very popular name or my Social Security could have been compromise on on a fake website And I am writing to assist with this credit report disputing process to get this damaging report off my credit file that stoping me from being financially stable at a early young age I disputed within 30 days haven't heard anything after 30 days with XXXX according to the Credit Reporting Act each and every credit bureau has 30 days to reply to your credit dispute inquiry if failed to do so employees of TransUnion failed to do their job that can result in lawsuits so I am requesting that this damaging fraudulent dispute be removed from my credit file To be specific 1 self lender account is currently open as of XXXX on my account that I am aware that I authorized. 

XXXX XXXX lender account is currently closed as of XXXX that I did not authorize and was not aware of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: OH

Complaint narrative:
The following unauthorized fraudulent accounts are not mines, My identity has been stolen, black webbed and has caused me alot of unknown Financial damage. Please be so kind and block these unauthorized fraudulent accounts. 

1 ] XXXX XXXX {$4700.00} 2 ] XXXX XXXX XXXX {$560.00} 3 ] XXXX XXXX XXXX XXXX {$310.00} 4 ] XXXX XXXX XXXX {$5200.00} 5 ] XXXX XXXX XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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 sent a certified letter on XX/XX/2019 disputing inquiries on my Experian credit report. It has been 3 weeks and still no dispute has been opened regarding the enquiries in 11 days it will have been 30 days since certified letter was mailed.

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 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I contacted collection agency IC System Inc., in XXXX XXXX, MN at ( XXXX ) XXXX in reference to a medical collection account for {$55.00} that was not mine, that they had reported to XXXX. I was told by a male representative that the account was in a different department and he immediately transferred me. A female representative rudely answered the phone without giving a name, stating how can I help you. I advised that I was calling about the account that had been on my credit file since 2014 to see if it could be removed. 

After looking up the account the representative accidentally confirmed that the original account was not mine as she was looking it up. The representative then advised that because the person responsible for the account refused to pay it in 2014, I was responsible because she believed it was my spouse. The representative then asked me if I knew the person who the bill belonged to and began asking me to give updated information for the person who the collection account belonged to. I informed to her that I was not affiliated with that account, did not receive service for that bill and was not responsible for it. I requested that ICS Systems remove the account because the representative was aware that it wasn't mine and she sarcastically told me that they don't remove information, only report it and to contact the Credit Bureaus to remove it.

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 2019-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
i see an additional hard inquiry from CoAf for Auto Loan. 
i purchased my vehicle from XXXX of XXXX and got the loan from the same Dealer, I was told that this will have 1 hard inquiry but it resulted into 2. 
Could you please help resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2018 I was involved in the natural disaster hurricane Michael. I had a XXXX XXXX  that was almost paid off and my insurance company paid the remaining balance. Being under Extreme stress of not having a vehicle I checked the box on the Trans Union app to investigate my lender as to whether or not they had closed out my account as a positive line of credit as which it should have been. Not knowing the guidelines that the lenders only have to abide by they only report once a month. So basically just because I wanted an inquiry as to why the account had not been closed yet Trans Union took it upon themselves to just completely delete the account since they found neither party of any foul play.

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 2019-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: TX

Complaint narrative:
Constantly calling saying I will regret not paying them and cussing me out and now that I dont answer to them they just keep calling everyday, I try to block the number because I feel harassed and they just call with another number cussing me out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my equifax report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named XXXX XXXX reported the exact same fake medical collection accounts - equifax would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with XXXX on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I have made a purchase product has being received the payment, bluebird consumer services held my money and declined me the funds that was in my prepaid card several times. I feel my right is being violated. I am reporting this unlawful action against me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Happened XX/XX/XXXX at XXXX and lasted for 28 minutes. Company name is XXXX XXXX They have my name as XXXX XXXX. 
I was called today with a message that I needed to call a number back because a civil claim was filed against me. I was at work but called the number right away. A woman answered and stated they have a claim against me for a debt I owe in the amount of {$2900.00} from Capital One. I asked her what the debt was. She proceeds to tell me. I asked her when the last activity on this account was and she tells me XX/XX/XXXX but was sent to collections in XXXX. I tell her you are past the statue of limitations on this and Im not paying. She tells me statue of limitations starts when the account gets turned over to collections. I told her she was wrong. I asked her to please send me something in writing for this account. She states they already did and tells me my address. I stated I did not receive it and please send another. She states she can not do this. The file is being sent for legal action and there is nothing they can do about it. If its not settled today they will garnish 25 % of my wages and my bank account. I tell her that I will call her back because I would like to call my attorney about this and find out about the statue of limitations. She tells me that if I hang up the phone they will proceed with legal actions. I then asked her why this is not on my credit report since Ive been checking it regularly and working on improving my credit. She gives me some song and dance about it transferring collection agencies. I tell her Im not paying anything on this today without verification of the account and without speaking to an attorney. She then transfers me to someone else saying they might have other options for me. A man gets on the phone and pretty much tells me the same thing. He then goes over my options for payment which included a one time payment, a 2,4,6, and 8 month plan. I tell him Im not paying it. Not without talking to someone and verification. I told him I would call back tomorrow after I did research. He states the debt is attached to my name, date of birth, and ssn number and legal action will go through I said fine go ahead and I will just show up for my court date and appeal this. He tells me that they dont need to have a court proceeding and a judge has already signed off on it. This is when I knew it was a complete scam. I told him fine go ahead and proceed with it. He hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Consumer Financial Services
State: FL

Complaint narrative:
In XX/XX/2018 I was involved in the natural disaster hurricane Michael. I had a XXXX XXXX  that was almost paid off and my insurance company paid the remaining balance. Being under Extreme stress of not having a vehicle I checked the box on the XXXX XXXX app to investigate my lender as to whether or not they had closed out my account as a positive line of credit as which it should have been. Not knowing the guidelines that the lenders only have to abide by they only report once a month. So basically just because I wanted an inquiry as to why the account had not been closed yet XXXX XXXX took it upon themselves to just completely delete the account since they found neither party of any foul play.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TX

Complaint narrative:
On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my XXXX report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named Commonwealth Financial reported the exact same fake medical collection accounts - XXXX  would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with Commonwealth on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Today,XX/XX/XXXX I tried to see my free credit report. I was charged 3xXXXX for their protection service that I never intended to join

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 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 Capital One placed a fraud restriction on my account ending in XXXX without providing me any warning. When I contacted Capital One I was told a XXXX block was placed on my account because I recently added 5 new authorized users. Capital One told me that my account would be frozen until i provided a picture of each of the newly added user 's license and social security card. I provided the requested information within a few days. When I called to see why my card was still frozen I was told that I would have to provide picture 's of government photo IDs and social security cards of every authorized user I ever added to my account from when it was opened over 4 years ago. Some of the users have previously been removed and I am no longer in contact with them and have no way of obtaining the documentation Capital One requires for these individuals. 

When adding an authorized user, Capital One does not even require a social security number, let alone a picture of the person 's ID and social security card, If they stated that such information would be required I would have made copies of the documents for each user when I added them. Now years later after 15 users have been added and some of them removed, Capital One refuses to remove a XXXX   restriction from my account because I can not provide them this information. I am able to provide the required documentation for every person that is a current authorized user, but I am not able to get in contact with the individuals that were removed as authorized users over 6 months ago. 

My Capital One card is my oldest credit account on file by 3 years, i have never beed late with a payment and the account has been paid in full every month for at least the last two years. If/when this account is closed by Capital One my credit score will be negatively affected by up to 75 points. I regularly use my personal credit score to run my business and purchase investment properties. This negative impact on my credit score could cost me hundreds of thousands of dollars over the next few years in higher mortgage, insurance, and auto loan rates, as well as the fact that I may even be denied some loans for lack of credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I had an old medical bill that has been paid directly to the original creditor. This debt is still showing on my credit report even after disputing it, and showing proof of payment. I would like you to investigate this or else I will sue the credit reporting agencies for Libel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have an inquiry on my report that was not authorized by me from the following company, XXXX XXXX XXXX. I disputed this fraudulent credit inquiry with Experian from XX/XX/2019 until the present and no action was taken. Please delete this unauthorized inquiry. I am compelled to demand that you provide communication exclusively through US Postal Mail. If this rational request can not be met, this is a clear indication of Experian and XXXXXXXX XXXX XXXX disregard for consumer protection statutes.

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 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
In or about XX/XX/2019 MIDWEST RECOVERY began reporting false claims against me without notice or ability to defend accounts by XXXX Hospital. I am not aware of this debt nor have I been given right to dispute the debt. I've written Midwest Recovery and Disputed reports made by this company to the three Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I have an inquiry on my report that was not authorized by me from the following company, ALLSTATE CREDIT BUREAU. I disputed this fraudulent credit inquiry with XXXX from XX/XX/2019 until the present and no action was taken. Please delete this unauthorized inquiry. I am compelled to demand that you provide communication exclusively through US Postal Mail. If this rational request can not be met, this is a clear indication of XXXX  and ALLSTATE CREDIT BUREAU disregard for consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: WI

Complaint narrative:
I had an old medical bill that has been paid directly to the original creditor. This debt is still showing on my credit report even after disputing it, and showing proof of payment. I would like you to investigate this or else I will sue the credit reporting agencies for Libel.

Company response to consumer: Closed with explanation