vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Debt Collection Agency Name XXXX XXXXXXXX XXXX, Focus Receivables Management Issue Never received any written notices of an attempt to collect a debt or any explanation of my rights. 
Details In XXXX I applied for a mortgage loan. I was advised that there was a collections account in the amount of {$410.00} on my credit report. The credit agency listed was XXXX XXXX XXXX. It stated that it was for XXXX XXXX and it was added in XXXX of 2020. I had never received one letter or phone call regarding this debt, but it was added to my credit report. 
I found that it appeared on my XXXX and XXXX report. In XXXX I filed a dispute regarding this debt. The results came back stating the debt was verified by the collections agency. No additional information was provided, and I never received any calls or letters. The debt remained on my credit report. 
In XXXX I received a collections call. The collections representative stated that this was an attempt to collect a debt for XXXX XXXX. The same debt that has been my credit report since XXXX without one attempt to communicate with me by phone or in writing. I was very upset. I asked them why they lied to XXXX stating they verified a debt they never contacted me about. I also asked them why they were calling me for a debt they already placed on my credit report. The representative stated that she did not see that it was on my report. 
I proceeded to tell her that if they had contacted me, I would have told them that I dont owe anything to XXXX XXXX and I want a full explanation of this debt. She stated that should contact XXXX XXXX and have them reach out to me. I never heard from anyone. No calls and still not one written communication from a collections agency or XXXX XXXX, but the collections account was removed from my XXXX and XXXX report. 
Today, XX/XX/2020 I received a credit alert stating that this exact debt was added to my XXXX report on XX/XX/2020. It was added by a collections agency named Focus Receivables Management and states it was opened on XX/XX/2020. I still have not received one written communication from a collections agency and no explanation of the debt reported. I also have not received any additional calls from anyone except the one where they stated they would have XXXX XXXX contact me and never did. 
My rights have been violated on more than one occasion for the same matter. This should not be allowed and I am sure if youre doing it to me, youre doing it to others during an already trying time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: NY

Complaint narrative:
On XX/XX/2020, I sent a complaint for Experian because I am a victim of identity theft, along with FTC, a copy of my Social Security card and my NYS driver liscense, in return, Experian responded that I Need to send the same items that I already sent.

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 2020-09-07 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: AL

Complaint narrative:
I just pulled a copy of my credit report and noticed several fraudulent accounts on my reports.I have reached out to the bureaus several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I had made an initial complaint about cash app closing my account and not responding back to my emails. Cash app however replied to the complaint i made through consumer financial protection Bureau. In their ( cash app ) response it stated that ; 1.My cash app account was temporarily suspended 2. That it ( cash app ) held my funds ( {$7400.00} ) pending their investigation 3. That my account is closed after their investigation. 
Cash app however did not state how I am getting my funds that were held before their investigation in their response. Anytime I email cash app I get an email response from an agent called XXXX who is basically telling me that I will not be getting my funds and that I should move on. 
Cash app claims that my account violated their terms and condition. Under Cash app terms and conditions number 9, it state that " Any pending transactions at the time of termination, closure, or suspension of your Account will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, ( 1 ) may be made available for you to cash out in Squares discretion and subject to the other conditions in these Cash Terms, and ( 2 ) we may require you to link a new bank account that has not been associated with your Account to cash out such funds.. If an investigation is pending at the time of closure, we may hold your funds until resolution of the investigation. '' I understand at this point that my account is closed, I just want to know how I am getting my remaining funds of {$7400.00} unless the company Cash app intends to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: NY

Complaint narrative:
in response to Experian, I XXXX XXXX, am a victim of identity theft, I am not a third party or a credit fix it person.

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 2020-09-07 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: AL

Complaint narrative:
I recently obtained my credit report and noticed many fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of XXXX XXXX Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been going back and forth with Experian refusing to complete an investigation and provide me with all documents and sources pertaining to the investigation they simply just send generic responses stating updated. When calling into customer service theres no help at all please help me with this matter. Although Im not running from responsibilities being that Im a victim of identity theft Im trying to confirm this debt belongs to me and have asked for proof or Deletion. they chose to delete 3 accounts from XXXX XXXX XXXX but allowed the others to remain stating verified how is that even 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 2020-09-07 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: NY

Complaint narrative:
I SENT A COMPLAINT TO EXPERIAN THRU THE CFPB AND THERE RESPONSE IS THAT I DID NOT SUBMITT MY OWN COMPLAINT. ONCE AGAIN, I AM A VICTIM OF IDENTITY THEFT PLEASE SEE MY FTC REPORT AND MY SOCIAL SECURITY CARD AND DRIVE LISCENSE COPY

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 2020-09-07 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reached out to both Experian and the Original Debtor regarding the alleged debt owed. Both companies have failed to provide legal documentation at my request to validate the alleged debt. Ive been requesting this information since XXXX. Experian even added a late payment to the charge off account and now the account reflects 2 charge offs. How is the possible and/or legal?

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2020-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of 143 million Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: IL

Complaint narrative:
The credit bureaus are allowing XXXX XXXX  to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance

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 2020-09-07 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: AL

Complaint narrative:
I recently obtained my credit report and noticed many fraudulent accounts.

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 2020-09-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The following inquiries on my report is un known, un recognized and unauthorized. Therefore, I'm demanding the immediate removal of these fraudulent inquiries. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: NY

Complaint narrative:
I sent a complaint to Transunion thru the CFPB, that I am a victim of identity theft. 
Transunion responded that they verified fraudulent items. I would like to know how is it that a fraudulent account belonging to someone else can be verified, how and when

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 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I HAD 3 BANK ACCOUNTS WITH CITI BANK ( 1 CHECKING AND 2 SAVINGS ACCOUNTS ) FOR NO REASON AND WITH NO NOTICE THE BANK CHOSE TO CLOSE MY ACCOUNTS I WAS TOLD A CHECK FOR MY BALANCES IN ALL THREE ACCOUNTS WOULD BE ISSUED AND MAILED TO ME WITHIN 30 DAYS AND I HAVE RECEIVED NOTHING I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THE BANK IN REGARDS TO THIS ISSUE AND THEY REPEATEDLY DISCONNECT THE CALL WHEN I ASK FOR FURTHER INFORMATION THEY HAVE ALL MY MONEY I AM NOT ABLE TO PAY MY BILLS I JUST WANT MY BALANCE ISSUES TO ME AS PROMISED. THE TOTAL AMOUNT IS APPROXIMATELY {$14000.00} THEY ARE HOLDING OF MY MONEY I DO NOT HAVE SPECIFIC DETAILS BECAUSE THEY HAVE BLOCKED ME FROM VIEWING ANY INFORMATION ON MY ACCOUNTS

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 2020-09-07 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: NY

Complaint narrative:
as previously notified, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation