vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to unfreeze my credit report at Equifax on XXXX XXXX, 2021. I was unable to access my frozen account even though I had an account when I froze it. Unable to retrieve password. Called Customer Support and they were no help even though company says call Customer Support to unfreeze an account. Equifax was completely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I JUST LOGIN FOR FIRST TIME DOWN PAGE AND SEE THERE IS UNAUTORIZED HARD INQUIRY LEFT BY XXXX XXXX, I DON'T HAVE ACCOUNT WITH THEM OR APPLY FOR CREDIT THROUGH

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 2021-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, i entered a consumer credit transaction with XXXX XXXX. The total amount of the transaction was for {$10000.00}. On XX/XX/XXXX, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. On XX/XX/XXXX XXXX received a letter from me asking to validate the debt and produce legal documentation that I am obligated to pay this debt. Their response was a letter stating that they confirmed the transaction history and that the information was current and accurate. Moving forward to XX/XX/XXXX, I sent them two documents. One being a debt validation letter and a cease and desist. These documents were sent via XXXX  on XX/XX/XXXX and was delivered to the company on XX/XX/XXXX at XXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: IL

Complaint narrative:
I disputed inaccurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On my Bloomingdales AMEX card I was charged {$620.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Bloomingdales AMEX card I was credited XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
This leaves one charge that is outstanding. 

For my Bloomingdale store account I was charged XX/XX/XXXX on my statement closing XX/XX/XXXX. 
I was also credited XX/XX/XXXX and XX/XX/XXXX The reason that it looks like there was an extra credit is because it was really my {$620.00} that I moved over from my AMEX card to my Bloomingdales store card for statement ending in XX/XX/XXXX. 

On XX/XX/XXXX Bloomingdales stated that my dispute on two charges were supposed to be credited to my account. They confirmed this with an official letter. 

Im not sure what all of these additional charges are for but I was supposed to be credited {$620.00} two times. It seems after all of the credits and charges Im still missing one credit of {$620.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Dear CFPD, My wife and I took out a mortgage on our home with Freedom Mortgage in XXXX to pay off student loans. Never once missed a payment. In late XXXX multiple notifications were sent to Freedom from the insurance company for renewal. Upon several unanswered replies, the insurance company canceled our policy. We have been able to get 10 notifications sent to Freedom trying to get them to renew the policy from the insurance company and the agent. I have emails from the Sr. V.P. of Freedom stating that they accept they were responsible for failing to make payment. 

We were uninsured for more than 12 months. We found out while we were making a claim for a frozen pipe burst under our house. Our insurance company stated we were canceled due to non-payment since XX/XX/XXXX. 

Our loss is greater than {$100000.00} and we are uninsured. We took out a policy and had to pay a premium price much higher than our old one due to the lapse in coverage. Freedom Mortgage has been on notice for 1 week and still have not acted to protect our home. This is 100 % their responsibility.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted XXXX XXXX to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because XXXX did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.

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 2021-01-12 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: OH

Complaint narrative:
I contacted XXXX XXXX to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because XXXX did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Since XX/XX/2020 to Present I have been dealing with fraud on my credit card. Goldman has changed my card number over 5 times and I still get hit with the transactions. I have spent hours on the phone with Apple card support, over the last few months trying to rectify the situation. Merchants are able to charge my new card number after Apple card support changes my card. Customer service and I have confirmed that Goldman is forwarding the transactions but are unable to stop it. There is a complaint in since XX/XX/2020 with no resolution. As of tonight I have been changed another fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX is not the creditor. There is NO dealer assignment and no contract that I signed between XXXX and me at any time. Truth in Lending Act 15 U.S.C. 1641 ( a ) provides a Federal cause of action by borrowers against creditors who fail to make the disclosures required by its provisions to assignee. There is no such document that I signed with XXXX. On the face of the contract, it should say " seller '' ( dealer ) assigns its interest in this contract to : XXXX. There is nothing. It should also say Assignment to : XXXX. It does not say anything., there is no such contract or assignment between XXXX and me. The dealer is leegally and contractually the creditor not XXXX on this sales contract. TMCC/TFS is to DELETE immediately this false entry from all my credit reports. These are violations of TILA, FCRA/FDCRA and many more. Deceptive business practices and consumer fraud.

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 2021-01-12 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: AZ

Complaint narrative:
XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX is not the creditor. There is NO dealer assignment and no contract that I signed between XXXX and me at any time. Truth in Lending Act 15 U.S.C. 1641 ( a ) provides a Federal cause of action by borrowers against creditors who fail to make the disclosures required by its provisions to assignee. There is no such document that I signed with XXXX. On the face of the contract, it should say " seller '' ( dealer ) assigns its interest in this contract to : XXXX. There is nothing. It should also say Assignment to : XXXX. It does not say anything., there is no such contract or assignment between XXXX and me. The dealer is leegally and contractually the creditor not XXXX on this sales contract. XXXX is to DELETE immediately this false entry from all my credit reports. These are violations of TILA, FCRA/FDCRA and many more. Deceptive business practices and consumer fraud.

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 2021-01-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Over the past 12-months I've been working with Experian Credit Reporting. Last year my credit score was XXXX. Four or five months ago Experian finally concluded I was correct in all of my disputed challenges. 
My new Credit Score ZOOMED upward to XXXX.

All disputed accounts were deleted from my Credit File. 
As we closed out 2020 I could finally rest. What took me nearly 18 months, I had successfully cleaned and polished my Credit History. 
XXXX negative credit, XXXX Collections, XXXX bankruptcies, XXXX negative Public Records. 
Now Experian is re-reporting certain items that are reappearing. My score is back down into the 630 levels. 
I have reached out to Experian, but not received a response. I don't get it. I worked so hard on this. I got vindicated. I realize that most all data is not looked at by Human Beings. Yet I hope at some point a human can look into my file and adjust data accordingly. 
Thank you, XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
on XX/XX/2021, I received a message from XXXX  that the company California Business Bureau, address XXXX XXXX XXXX XXXX, XXXX, CA XXXX, phone number ( XXXX ) XXXX, made an installment Loan Inquiry, hard inquiry. I didn't consent or allowed this company to make a request and I didn't request or summit any request for any type of loan. I believe this company is using my information illegally to obtain my personal information. I had spoken to this company about a collection account that I was not aware of. This company later made an installment loan inquiry. I am concern that the above company will continue to violate my privacy.

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 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/20, I called BBVA to dispute XXXX XXXX in XXXX {$200.00} or so. XXXX, I called BBVA to report I received {$150.00} from XXXX XXXX and they still owe me {$58.00}. I asked the BBVA fraud rep. what has BBVA done yet? He said they are checking on it. I asked did BBVA write XXXX a letter or call? He had no answer and said it could take up to 90 days. I told him that is rediculous. 
BBVA hasn't even contacted XXXX XXXX. This is consumer fraud by BBVA. I want my {$58.00} back now. There is no law banks get 90 days to do a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Io, Inc.
State: MD

Complaint narrative:
I XXXX XXXX XXXX XXXX am the original creditor, natural person and consumer and I have recently obtained a copy of my credit report and noticed an unauthorized account being reported. I did not give written consent for the unauthorized account to be reported against my consumer credit report which is a violation of my consumer privacy rights under 15 USC 1681 A. I have not entered into any agreement with REC MGM Systems and demanding a validation of this alleged debt by way of contract that gives REC MGM Systems grounds to collect a debt from me. To be clear a statement is not a contract. REC MGM Systems is also in violation of 15 USC 1692 E 2 ( A ) and is causing me grave distress and ruining ( 15 USC 1681 ) my reputation by continuing to report this alleged debt on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  XXXX Balance : {$100.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX XXXX : {$260.00} - Date of Last activity are showing different dates this is inconsistent and a violation please remove. 

XXXX XXXX Balance : {$3100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately XXXX  XXXX XXXX Balance : {$4300.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$7500.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$2800.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove.

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