vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: LEXISNEXIS
State: OH

Complaint narrative:
Ive requested multiple times for a secuity freeze including C L U E report. Company only wants to give me a partial security freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: SC

Complaint narrative:
I have several inquiries on my account that were not me. This started on XX/XX/2018. There are some as of last month

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 2019-07-20 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: Resurgent Capital Services L.P.
State: WY

Complaint narrative:
I checked my credit report to see an LVNV FUNDING LLC reporting inaccurately for XXXX XXXX My XXXX XXXX account is current and open, not delinquent and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
I checked my credit report to see an XXXX XXXX XXXX reporting inaccurately for XXXX XXXX. My XXXX XXXX account is current and open, not delinquent and in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
I checked my credit report to see an XXXX XXXX XXXX reporting inaccurately for XXXX XXXX. My XXXX XXXX account is current and open, not delinquent and in collections.

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 2019-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: WY

Complaint narrative:
I checked my credit report on XX/XX/XXXX to see TWO accounts with FOUR trade lines for Choice Recovery for XXXX XXXX   XXXX that are invalid. I have never received any correspondence about any of the accounts listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act.  I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. 
XXXX - XX/XX/XXXX - {$400.00} XXXX - XX/XX/XXXX - {$520.00} Reporting this is a HIPAA violation as I did not sign any HIPAA release with XXXX XXXX XXXX to have my information transferred to another agency. Once XXXX XXXX XXXX sold the accounts, they are no longer valid to collect on as all responsibility on my part was absolved with the violation of my HIPPA & privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, Transunion or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service center on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving 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 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with Equifax, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service XXXX on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: SC

Complaint narrative:
I have several inquiries on my account that were not me. This started on XX/XX/2018. There are some as of last month

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 2019-07-20 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: SC

Complaint narrative:
I have several inquiries on my account that were not me. This started on XX/XX/2018. There are some as of last month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Resurgent /Lvnv Funding LLC , to XXXX , XXXX and XXXX. I discovered on 20 Errors on Each report. Which indicates that Resurgent /Lvnv Funding LLC broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Resurgent /Lvnv Funding LLC . via Certified US Mail, inquiring about the loans reported to my credit .They responded XX/XX/2019 with two different letters verifying the debt but also saying they were responsible for the debt.. They need to be held accountable for breaking the laws

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WY

Complaint narrative:
I checked my credit report on XX/XX/XXXX to see an account for PORTFOLIO RECOV ASSOC for XXXX XXXX XXXX XXXX XXXX. that is invalid. I have never received any correspondence about any of the account listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act. I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. XXXX - XX/XX/XXXX - {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: ND

Complaint narrative:
The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX., $ XXXX,XX/XX/XXXX and  XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, I contacted Transunion to make aware to them that I was a victim in there inquiry issue and Transunion Customer Service would not cooperate with removing the inquires from my Credit Report. this is what brings me to your website. could a representative please look into this situition for me as Its quite upsetting to have to deal with. thank you for your time Have a great weekend

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 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
I checked my credit report on XX/XX/XXXX to see an account for XXXX  XXXX XXXX for CAPITAL ONE BANK USA N.A. that is invalid. I have never received any correspondence about any of the account listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act. I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. XXXX - XX/XX/XXXX - {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: ND

Complaint narrative:
The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: ND

Complaint narrative:
The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/XXXX. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 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: NC

Complaint narrative:
Equifax announced a cybersecurity incident one of the largest in history about unauthorized data access that occurred from mid XX/XX/XXXX to XX/XX/XXXX. The data breach was discovered by Equifax on XX/XX/XXXX. My data during that time frame from mid XX/XX/XXXX to XX/XX/XXXX was part of that breach. This put me at great risk and should not have happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I defaulted on a {$1000.00} XXXX XXXX credit card in XX/XX/XXXX ( over 12 years ago ). The debt does not show on my credit report. It was discharged. A company called portfolio recovery associates LLC somehow got my number in XXXX. They have called me from various numbers approximately 1500 times in 3 years. They claim the debt is {$4000.00}. 
Even tho the debt is discharged and doesn't show on any of my credit reports they continue to call and say the debt is " collectable ''. I've also received letters from them over & over concerning this. I've actually considered changing my phone number ( which I've had for 8 years ) because of the constant harrassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I defaulted on a {XXXX} wells Fargo credit card in XX/XX/XXXX XXXX over XXXX years ago ). The debt does not show on my credit report. It was XXXX. A company called XXXX XXXX XXXX XXXX somehow got my number in XXXX. They have called me from various numbers approximately XXXX times in XXXX years. They claim the debt is {XXXX}. 
Even tho the debt is XXXX and doesn't show on any of my credit reports they continue to call and say the debt is " collectable ''. I've also received letters from them over & over concerning this. I've actually considered changing my phone number ( which I've had for XXXX   years ) because of the constant harrassment

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 2019-07-20 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: MD

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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 — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
Applied for an auto loan and was declined because of a credit score from SageStream LLC with XXXX XXXX. Never heard of SageStream before this and their credit score is almost 200 points lower than XXXX. Who is this company that they can have such an influence in credit approval? The reasons for their decline aside from the credit score are ludicrous. Limited history for consumer at address and phone-have had this address for 5 years same phone number for 25 years, too few revolving accounts, too few bankcard accounts - have banked with same banks for 10 years and have their bank cards. This unknown company should not have the authority to make such credit determinations on anyone. Following research performed it appears that they are a scam consumer credit reporting company and banks using them for said determination appear to be scamming the consumer to inflate rates of interest and cash output. Research also shows that SageStream LLC is involved in numerous consumer lawsuits complaints like this and that complaints likewise have been issued against SageStream with XXXX XXXX XXXX  and FTC which I likewise will be doing myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
FRAUD SECOND ACCOUNT AT WELLS FARGO!!!! OPENED XXXX XXXX XXXX # XXXX as per attached credit report from XXXX credit agency PAYMENTS NOt DEDUCTED FROM MY BALANCE of # XXXX ACCOUNT OPENED XXXX XXXX FOR my XXXX XXXX. 
I have emailed wells Fargo board of communications attention XXXX numerous times. 
I have called XXXX at Wfds XXXX # customer service numerous times. I have sent a certified letter to .XXXX XXXX in California . 
I need the details of how this second fraud account recorded on my credit occurred and details of payments to the # XXXX account and the hard inquiry XXXX XXXX XXXX asap. Wells Fargo denied via their XXXX letter that thiis happened appeal to the cfpb to place sanction against Wells Fargo for false information.

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