vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX year old son and I initially contacted Equifax XX/XX/XXXX about placing a security freeze for him. After some back and forth and no substantive response from Equifax, we called again XX/XX/XXXX and were told that it's not possible to create a security freeze because he is over XXXX years old and does not have a credit file. We were told that once he has credit, then they can place a security freeze. 

I told Equifax that XXXX  and XXXX  were able to place a security freeze by creating a credit file for my son and then placing the freeze. XXXX is the only company that won't do this. Equifax indicated they are in compliance with regulations. 

My complaint is that there is no way to fully protect my son 's credit if Equifax won't freeze his credit. I question if they are in compliance with regulations. If Equifax is in compliance, they should protect consumers like the other companies do. Especially since they were involved in one of the largest data breaches ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I recently reviewed my XXXX profile and found a hard inquiry from a " non-account '' holding creditor named Credit Acceptance and XXXX XXXX XXXX on XX/XX/2018. 
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company. 
I wrote a letter to dispute the inquiry and requested proof from XXXX & Credit Acceptance of authorization by me or delete from my XXXX credit profile immediately! This hard inquiry is suppressing my credit score. 
I have attached images of the letter I sent XX/XX/2018

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 2019-01-04 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - XXXXXXXX - XXXXXXXX  - XXXX and XXXXXXXX XXXX - XXXX and Equifax XXXX - XXXXThese accounts are a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - ExperianXXXX  - ExperianXXXX - XXXX and ExperianXXXX XXXX - Experian and XXXX XXXX  - XXXXThese accounts are a result of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I have sent two validation letters to bull city financial solutions asking them to remove this collection from my credit file because this debt is not mine I also asked if they could provide a original contact bearing my signature which they have not done all they sent me was a final bill which is not proof of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  - Balance {$10000.00} ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX XXXX  - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( XXXX and XXXX  ) XXXX XXXX - {$3500.00} ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: NY

Complaint narrative:
I have submitted several claims to TransUnion over the course of the last 18 months. Most recently, I have filed a claim online, but when I go to upload the supporting documents, I get an error message stating the site is having 'technical difficulties '. 

These technical difficulties on the TransUnion website have been going on for over one year. It is obvious that this is intentional on TransUnion 's part. I am not able to log into the website to see any information on my account or report, and when I call, I am transferred to a rep in XXXX who is reading from a script trying to sell me services and not fix my dispute.They also ask me to mail in my documentation instead of submitting it online, which I have done, and they have either lost or claimed it was not received, so they close my dispute without settling it. I started the process each time through XXXX, and it comes to a dead stop once it goes to TransUnion. 

The turnaround time for claims is well over 30 days, and I have gotten several emails telling me the dispute has been resolved but I get no information and I am unable to access the information on their website because of 'technical difficulties '. I have attached the supporting documentation for my latest dispute, # XXXX. 

Some action should be taken against TransUnion, as they are holding Americans hostage with their unethical tactics. Credit reporting agencies should be held accountable for their inability to perform standard services. They wield too much power when their performance is subpar.

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 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
inaccurate information showing on the 3 major credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sears/CBNA of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  and XXXX   credit reports concerning a new account with Sears. He then received a bill from Sears/CBNA concerning that account. A formal dispute of that account was mailed to Sears/CBNA ( twice ) the first was XX/XX/2018, the second was XX/XX/2018. While the fraudulent related inquiry was removed the account is still being reported as of this date. A confirmation of this was received from XXXX  credit bureau showing that Sears/CBNA is listing this account as legitimate after they have been notified twice of the fraudulent nature of the account. This action is a violation of the FDCPA and the FCRA and my clients federal consumer rights.

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 2019-01-04 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$10000.00} ( XXXX, XXXX TransUnion ) XXXX XXXX XXXX XXXX - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( TransUnion and XXXX ) XXXX XXXX - {$3500.00} ( 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 2019-01-04 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, NW XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$10000.00} ( Experian, XXXX, XXXX ) XXXX XXXX XXXX XXXX - Balance {$13000.00} ( Experian ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( Experian ) Childsupport - {$7300.00} ( XXXX   and Experian ) XXXX XXXX - {$3500.00} ( Experian )

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 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I moved to XXXX from XXXX XXXX in XXXX of XXXX, in which I signed a lease at the XXXX XXXX beginning XX/XX/XXXX. In XXXX of XXXX after only living there a few months my father fell very ill in XXXX  and I had to pack up my things and move back to XXXX. Within 3 weeks, he died on XX/XX/XXXX. I communicated effectively to my property management company with what was going on and they comforted me that everything was fine and they could find someone to sublet my property for the remainder of my lease. Just a few weeks following, I had a reported collection on my credit report for the remainder of the lease due and an eviction notice which I was not even aware of until an old neighbor and friend found it on my door. At the time as a recent graduate with mounting XXXX  student loans and minimal active credit this completed wrecked any progress I've made. Fast forward to today, they have now filed a judgement in my name despite serving me with any paperwork, any calls to try and make a payment plan or any authorization that this would be escalated further. I have hired credit repair services, sent letters, tried to call and nobody can even seem to produce my original documentation. I was naive to believe that they would have helped me in a time of crisis. This is now effecting my personal credit as well as my business as I can not finance equipment for my practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
My wife and I are trying to obtain a mortgage and several medical collections showed up on our credit reports damaging our credit scores. All the debts were paid on the companies payment website using my mother-in- laws credit card and confirmation # 's and e-mails were recieved on her email.The Collection Company is : XXXX , XXXX , XXXX and XXXX XXXX located in XXXX XXXX NY . After waiting several weeks for these to be removed from credit bureaus we called on my wife 's account and requested that they send updates to bureaus. A week later they all showed removed and her credit score improved. Mine however were not, so several weeks later I called and they found no proof of payment and said it was still owed.I was on my way to work ( night shift ) so gave them permission to speak with my mother in law as she had the confirmation # and acct #. She spend over 1 1/2 hours trying to get issue resolved with no positive outcome. The rep thought maybe the payment was applied to a different account so she took my mother-in-laws information and was to have a supervisor call her the next morning ( today ). She did a lot more digging into the situation and thinks she had found something that might help track the money. She called back and they refused to even look up anything because she was not the client. The supervisor did get her return call info but refused to call her back because of this. We called call again this morning and they would not speak to me because my mother in law was in the background and the rep could hear her giving advice. They hung up on me. I called back and ended up repaying again using my mother-in-laws credit card. She will have to dispute the original charge to get credit. They need to improve their accounting practices and customer service skills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: GA

Complaint narrative:
I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( Experian, XXXX, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 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: NJ

Complaint narrative:
Transunion deducted points off my report, because of a dispute that was granted, every time I win a dispute because they have so many inaccuracies on my credit report they will go in and take away substantial amounts of points, I just won a dispute on XX/XX/XXXX and on XX/XX/XXXX they went in and took 58 points away for no reason and the time before that they took away 88 points because Inwon a  dispute, please have then restore my points, it is against the law for transunion to continue to deduct points away from consumers just because they win a dispute.

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 2019-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Student Loans where taken out in my name by my ex-wife University of XXXX  and XXXX XXXX XXXX which in my divorce I won the case and she was told to pay back all of her student loans then she file for XXXX and they end up putting the loans back in my name which I have sent in information about fraud activities the information that they sent me was not even my name wasn't spelled incorrectly my date of birth  always wrong so if you could help me with this I would truly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
This complaint is a follow up to complaint ID XXXX-XXXX. Mr. Cooper asked for an extension to respond to the above mentioned complaint. The expected a response by today, XX/XX/XXXX. This is in response to an error they made to an agreement we reached on XX/XX/XXXX to take my house out of foreclosure and reinstate my previously agreed to modification. 

I have been making my monthly payments on time since the almost $ 38k settlement agreement. I called Mr. Cooper today to inquire about ( 1 ) the complaint response status and ( 2 ) to make my agreed upon XX/XX/XXXX payment. 

I was informed that ( 1 ) no response has been submitted yet, ( 2 ) the account has been placed back in foreclosure status, and ( 3 ) they refused to accept my XX/XX/XXXX payment.

This matter requires immediate attention. The actions of Mr. Cooper are unprofessional and reprehensible. This situation has caused me physical and mental damages, in addition to causing my breakup with my fianc over this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: UT

Complaint narrative:
On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX  XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: OH

Complaint narrative:
The issue was not resolved! I have looked at my XXXX XXXX report and the issue still remains! The XXXX mortgage account is showing " NEED ATTENTION '' as if the account is still open. All of the closed account under bankruptcy is showing for the ACCOUNT STATUS " DEROGATORY '' as if the account needs attention. Once bankruptcy is filed there should not be any other derogatory comment. The ACCOUNT STATUS should say CLOSED on all the accounts under bankruptcy not DEROGATORY! That is the LAW!!!! 
I am not going to go back and forth with TransUnion!

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