vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2019 Experian deleted 2 Public Records ( Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 Experian turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my Experian Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

I am requesting the same request, from XXXX as well. XXXX  did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my XXXX  Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

XXXX has removed both of the Public Records ( Bankruptcies ), from my XXXX   Credit Report, due to inaccuracies. Thank you XXXX. 

Experian and XXXX has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.

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 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Westwood Legal
State: MI

Complaint narrative:
They called me in regards to an extremely old debt. They were very rude & aggressive & told me they were going to place a freeze on my bank accounts & garnish my wages in the amount of a XXXX figure even though the actual bill is around XXXX. I dont know if this company is legit but they had all of my information, including my full social security number. They called me on Wednesday XX/XX/19 from phone number XXXX but Im the voicemail, requested that I call back at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit report from XXXX shows one name and two active Bank of America credit cards that are unknown to me. 

XXXX says the information were reported to them by BOA and I need to contact BOA for clarification. 

BOA says they do not find the information shown on my credit report in their system and I need to work it out with 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 2019-06-20 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: TekCollect Inc.
State: NH

Complaint narrative:
Original creditor was XXXX XXXX XXXX XXXX. I was renting and filled the 50 gallon tank assigned to my apartment just prior to moving out. I was expecting a credit based on the amount of oil left in the tank upon my departure, but instead my account, with amount due alleged to be {$700.00} to Tek Collect Inc., on XX/XX/2018. I have called said creditor multiple times to attempt to remedy the situation. The last call I made in mid XXXX where I was informed that XXXX had stopped the collections process and said delinquency has dropped off of two credit reporting agencies, however XXXX still reports it as in collections and I am unsure how to proceed in correcting this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Were it not for the colossal failure of data security at Equifax or its inexplicably legal business model of furnishing an enormous trove of personal information without consent, I would not have had to place a security freeze on my credit report in the first place. When I initially placed the freeze over a year ago, the process to unlock the freeze with Equifax was more straightforward. I was given a 10-digit pin that would allow me to lift the freeze should I ever be inclined to apply for credit.

Now Equifax has phased-out this old process in favor of a new product called Lock and Alert, which nullified the PIN I was originally given to lift the freeze. Instead, I was directed to take their ID quiz whose questions had nothing to do with any credit history, public record or tradeline I have ever held. To my amusement, I failed this quiz, because no option applied to me for any question it generated. I actually work for a credit card company in their fraud prevention department, which makes this all terribly ironic, but I've used a similar product with our own customers, and I feel this gives me special credence to say that this product is utter garbage. These ID quizzes frequently fail legitimate customers and perpetrators of fraud often pass, because they know how the questions are generated based on the info in the CBR. 

So the next step is a passcode letter, mailed to my address where I've lived for a couple years now. Upon receipt of the letter, I went back to the website and entered the code, only to be given a message that this request can not be processed at this time, and to call in. I did not call, as I do not wish to speak with some XXXX who will certainly be unable to help me. This is now a weeks-long saga of trying to create an account -- not even to lift the freeze at this time, just to have the ability to lift it if I need to. 

I'm not surprised that Equifax has made this process so difficult. They can provide all their talking points about keeping my information safe, but I know better. Their business model depends on selling access to reports and information to creditors. Security freezes put too much control back into the hands of consumers, so it's in Equifax 's interest to put up roadblocks to enroll in this account, especially given that it's free. It's not a subscription-based service like their overpriced, junk credit monitoring products that rely on scare tactics, and in reality do nothing to prevent credit applications from being instantly approved online. Instead, Equifax only stands to lose by allowing more control to consumers over access to their reports. A security freeze is the only true way to secure your information, but it runs afoul of their business. I think they know this all too well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I live in XXXX, NC and I bought a car in XXXX XXXX, SC for a new, 2019 XXXX XXXX XXXX. There are a few problems that I have had with this financial contract/ agreement. I financed the car through American Honda Financial. 

The first problem is that I had was the car being repossessed. I struggled to find if the law of SC or the law of NC applied to this contract. The contract said that SC state law was applicable but the finance company said differently. I was not issued a Right to Cure at anytime during the contract, but I also asked the repossession company to leave the car and they told me no. I have been told that this was a possible breach of peace in both states. The car was repossessed on XX/XX/2019. 

The second part of my issues is that the loan was done like a lease, with a balloon payment on it and a purchase option/ exchange option on the agreement. I attempted this prior to the car being taken because I was told by a local dealer that the car had a malfunctioning computer board. 

The third problem is, I called the financial company and was told that even though I made a payment arrangement, I was denied that and the car was repossessed. I was denied even speaking to the employee that made the payment agreement. They told me that I had to make the full purchase price of XXXX dollars to get the car back. I explained to them that I did not feel this was just because of the misleading purchase contract. I told them I was going to file bankruptcy and that it would be better for us both to work something out, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
They called me in regards to an extremely old debt. They were very rude & aggressive & told me they were going to place a freeze on my bank accounts & garnish my wages in the amount of a XXXX figure even though the actual bill is around XXXX. I dont know if this company is legit but they had all of my information, including my full social security number. They called me on Wednesday XX/XX/19 from phone number XXXX but Im the voicemail, requested that I call back at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/2013 I loaned a car, a XXXX XXXX XXXX XXXX, which I was set to pay off over a 72 months period. At the end of the 72 months period while I was preparing to make my final payment, the car dealership, Santander U.S.A, Notified me that they had extended my loan. I've been paying off the balance but it never truly goes down ; I was not in the position to confront this problem before but i refuse to let Santander U.S.A take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: LA

Complaint narrative:
I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from XXXX XXXX XXXX and the creditor is XXXX. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. 
When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for XXXX. I called XXXX and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call XXXX. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in XXXX. I need them to remove this from my record and not have this associated with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS XXXX-XXXX-XXXX DOB is XX/XX/XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: U.S. BANCORP
State: CA

Complaint narrative:
Around XX/XX/XXXX, I saw a suspicious charge made to my credit card. I called in and got new card mailed. I was waiting for that new card for a while, and I didn't get any phone call/ text/ email from the company. On XX/XX/XXXX, I was checking my account, and saw someone activated my new credit card and have been using it. So, I reported right away, cancelling that credit card. The next day, I called in again, and got a new card issued ( and this one I have with me now ). About {$2000.00} charges were made to that stolen card. And that card, I never received it. Then, I haven't heard from them for a while, so I called in again regarding the process, and the company told me that they send some letter regarding the dispute. Then, I found out that the claim that I made on 19 purchases from unknown party using the stolen credit card during the dates of XX/XX/XXXX - XX/XX/XXXX ( totaling {$870.00} ) were reversed on the XX/XX/XXXX. After I found out through the letter received end of XX/XX/XXXX, I saw that the reason that these claims were reversed was because they claimed that I somehow " benefited from the transaction by either receiving services and/or merchandise from the merchant '' from a stolen card. I called in for few weeks regarding these reversed charges, but I heard various reasons from the employees, like I may have another cardholder using it ( which I proved that it was not the case, as both cards ( I share with another person ) went missing together ) and fraud not being viable, since the other party activated knowing my personal information ( the lady explaining this weren't hearing my case at all, just arguing that this is my fault ). Last time I called in again regarding this reversed claims and tracking number of the previous credit card package, and the lady on the phone firmly said that the case is closed and don't have access. She just referred to another department to call in regarding the case, which I haven't got a call for few days.

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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019 XXXX deleted 2 Public Records (  Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 XXXX turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my  XXXX   Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

I am requesting the same request, from TransUnion as well. TransUnion did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my TransUnion  Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY!

XXXX  has removed both of the Public Records ( Bankruptcies ), from my XXXX Credit Report, due to inaccuracies. Thank you XXXX. 

XXXX  and TransUnion has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.

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 2019-06-20 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: FL

Complaint narrative:
EUQIFAX, XXXX AND XXXX IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS XXXX XXXX is XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: LA

Complaint narrative:
I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from Merchant XXXX XXXX and the creditor is TeleCheck. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. 
When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for Telecheck. I called Telecheck and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call TRS. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in Louisiana. I need them to remove this from my record and not have this associated with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NV

Complaint narrative:
I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report

Company response to consumer: Closed with non-monetary relief