vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: PA

Complaint narrative:
Recently I contacted XXXX XXXX because of the corona virus, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from XXXX XXXX. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the corona virus. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : Equifax ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that XXXX does not discriminate and my credit score is not my Fico score. I guess she thinks I'm stupid. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. XXXX of which is due to the corona virus. I guess she believes that I purposely went to XXXX, contracted the XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX female.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I received a letter from ARS in XXXX about a medical bill of {$290.00}. I responded to them within the 30 period asking for Validation of this alleged debt I have no knowledge of and they sent a letter stating they validated it with the original owner but according to the FDCPA they have to validate the debt to me if I requested it within the 30 days of the letter. I sent another letter responding to the second letter and they still failed to comply with my first letter asking for name and address of original owner also a breakdown of procedures they claim I had done and if they legally were assigned or owned the debt and there license to collect in my state. I just received another letter today stating the same thing from the second letter that they validated it with the original owner! Thats not good enough!

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 2020-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i HAVE TRIED TWO TIMES AND NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
XX/XX/2020 balance credit called my parent and spoke to them regarding my account and how much I owed. Totaling XXXX and then they proceeded to give them a settlement amount of XXXX. I was not aware of any of this or of a settlement amount. They have not spoken with me and this parent is not on the account nor has anything to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is at least my second complaint filed for the same exact reason. My Social Security is Direct Deposited to my checking account. When I try to make purchases of XXXX cents, {$100.00} or {$500.00} my transactions are cancelled. I get a text message only 50 percent of the time asking for authorization, but when I retry the transaction its still denied. Ive missed out on almost everything I wanted to buy for over a year as though I have insufficient funds or the card isnt mine. Bank of America doesnt let me spend money when I want to because they are protecting me from fraud even if its only XXXX. I just cant explain what its like to watch everyone around you buy nice things and have to sound like you are lying about being able to get bank account to work ( instead of having money ), or be in line in a crowded store having to go though this embarrassment. I should always be able to access my account, especially after sms authorization, anytime of day and anywhere visa can be used.

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 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am having a problem with a debt collection company which I have previously disputed but which has not assisted me nor provided the documentation to sufficiently verify debt to me. The company is Midland Funding and while they mark account meets FCRA requirements they have actually not met the requirement because they have never responded to my inquiries. I am asking this organization to help mediate this matter and provide the oversight that Midland Funding so obviously lacks. 
The account held by them in unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i HAVE TRIED TWO TIMES AND NOTHING

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 2020-03-31 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 HAVE TRIED TWO TIMES AND NOTHING

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 2020-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Due to COVID-19 my servicer Mr. Cooper is only giving forebearance as an option. All major banks and services have allowed to pause payments. 

Theyre also charging interest and will report to credit bureaus. I did not choose this company, my bank was XXXX until a few months ago. 

Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TX

Complaint narrative:
ftc violations

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 2020-03-31 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: TX

Complaint narrative:
ftc violations

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 2020-03-31 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: TX

Complaint narrative:
ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX extoriton scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT. 

contacting creditors and posting incorrect purchase dates on debts bought. 
refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved. 

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.

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 2020-03-31 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: CA

Complaint narrative:
I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, AND XX/XX/XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATVE PROCESS AS XXXX  AND XXXX HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE. 

SHEETS FROM XXXX  REPORTS FROM XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THE SHEETS SHOWING THE DELETIONS PROCEED EACH OF THE INITIAL PAGE OF EACH DATED 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 2020-03-31 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: NE

Complaint narrative:
I have reported discrepancies with the credit bureau Equifax over four times, for over an year. Equifax continues to report the information has been verified. One account in particular that I have been asking to be removed is an account listed as XXXX XXXX XXXX. I have reported this account in at least four disputes. Equifax sent the following Dispute Confirmation Numbers, on the following dates : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX. 
Equifax continues to tell me this account is verified. I asked for " Method of Verification '', Equifax will not respond or provide documentation. I called the Creditors, XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that they had no documentation on me of the account that is listed on my credit report, due to it being transferred to a collection. If XXXX XXXX XXXX  can not verify their account to me, the person they claim was the account holder, how does Equifax continue to verify the account and allow it to remain on my credit report. 

I have also been disputing the account " XXXX XXXX ''. Equifax continues to state this account is verified as well. I got in contact with the company " XXXX XXXX '' company as well. " XXXX XXXX '' provided a letter that they could not provide with documentation or proof of this account, but sent a payment history. A payment history is not proof of an account or a contract. If XXXX XXXX can not provide documentation, again, to the person they are claiming owns an account, how is Equifax verifying this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XX/XX/XXXX -Opened mail and noticed I received a Chase Freedom card with my name on the account. Called Chase Card ( XXXX ) XXXX and was on hold for 3 hours. Finally when rep came on the phone I told him I wanted to submit a claim for a fraudulent card being opened with my information and asked to speak to the Fraud Department. The customer service rep asked, Why dont I just keep the card? I told him, Because its fraud! I never applied for it! Waited 48 more minute and line got disconnected during the transfer to Fraud Department. 

-Went to XXXX and noticed a hard inquiry listed as : JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX -Registered my name and husband 's name to stop prescreened credit offers on XXXX -Came to CFPB website to submit a complaint XX/XX/XXXX Send a certified letter to Chase Freedom Card about the fraudulent opening of credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 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: NV

Complaint narrative:
There is a BK that isn't mine, and there are some accounts that aren't mine. Please remove them immediately.

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 2020-03-31 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:
There is a BK that isn't mine, and there are some accounts that aren't mine. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: AZ

Complaint narrative:
I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX XXXX  scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT.

contacting creditors and posting incorrect purchase dates on debts bought.

refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved.

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX extoriton scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT.

contacting creditors and posting incorrect purchase dates on debts bought.

refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved.

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.

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 2020-03-31 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: LA

Complaint narrative:
I contacted Equifax, XXXX, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as XXXX XXXX Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. XXXX  stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to XXXX XXXX. I never received anything from the bureaus or XXXX XXXX. Today XXXX   alerted me that XXXX XXXX added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: LA

Complaint narrative:
I contacted XXXX, Experian, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as XXXX XXXX Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. Experian stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to XXXX XXXX. I never received anything from the bureaus or XXXX XXXX. Today Experian alerted me that XXXX XXXX added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.

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