vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I am a victim of identity theft. My information was used to open an account with XXXX XXXX XXXX XXXX. I only became aware of this after they placed the account for collection with Sunrise Credit Services. I contacted Sunrise Credit Services and advised them that this account is a direct result of identity theft. 
As of today, more than 30 days later, this account still appears on my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I received a bill from XXXX XXXX of debt when I did not visit their office and this was after a data breach in which a class action was won against them. I called them to complain that this bill was wrong but the person on the phone insisted that I will pay the money. I asked her to send me the result of the medical test that they are billing me for and I will pay the bill. They could not provide any tests or results. I have always had health insurance that pays for all my laboratory tests. They just sent my information to the credit Collection dept,  which in turn reported me to XXXX which placed a derogatory statement that decreased my scores. I humbly request that you use your good office to correct this anomaly. Thank you in anticipation for your favorable response. 
Your 's Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had tried to make a payment and the bank have declined and suspended my account, they are refusing to close my account and send me my funds They are trying to send me to branch where there was covid problems

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C.Tech Collections, Inc.
State: CA

Complaint narrative:
I received collections letter from c.tech Dated XX/XX/XXXX C.tech Collections.inc XXXX XXXX   XXXX, XXXX. XXXX, NY XXXX Creditor name XXXX XXXX Acct # XXXX Amount {$110.00} Tell # XXXX XXXX XXXX or XXXX XXXX XXXX Contact : XXXX XXXX/ collection division They said I didnt pay Dr fee from XXXX ( date of service not noted ). I had XXXX  under insurance. ( XXXX or XXXX ) I moved to California in XX/XX/XXXX. 

The bill doesnt say when but when I Talked with the acct rep and asked 1. what the bill was for?

2. and why do I see this bill 4 years later? 

She said they tried to contact me but had couldnt find my address. 

I changed my address legally, with Dmv and post office XXXX XXXX. I have a copy Of that. 

I am XXXX years old and I believe it is hard to remember I did or didnt pay. But I believe I would have paid my billS before I moved. 

At any rate they should have told me within the month, or a year, and not 4 years Later.. 

Please look in to it, I dont want to affect my credit and honestly this bill an familiar. Please look in to it and resolve Thank you XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
On XX/XX/2020, I received a notice from Sequium Asset Solutions that they were collecting a debt I owed to XXXX ( see attached ). I do not recognize the debt or believe that I owe anything to XXXX or Sequium, so I sent a validation letter ( attached ) asking for additional information about the debt. I sent the letter to the address provided on their letter asking that they stop collection efforts until they provide me information proving that I owe the debt they are trying to collect. 

I did not receive any of the information I requested in my validation letter. I did, however, receive calls from Sequium attempting to collect the debt on XX/XX/XXXX and XX/XX/XXXX ( see attached phone records, relevant calls are highlighted ). On both occasions, I answered the call and explained that I sent a validation letter and I need further information about the debt before I was willing to discuss payment. I further advised that further attempts to collect the debt are in violation of the Fair Debt Collection Practices Act, at least until they can provide the requested information. On both occasions, the person I spoke to advised me that if I have questions about the debt, I will need to contact XXXX XXXX billing department and that they do not have to provide billing information since they are collecting on XXXX XXXX  behalf. 

I have continued to receive calls from Sequium Asset Solutions,  most recently on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached cell phone call logs ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$260.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a fraudulent activity on my Experian credit report. I'm unable to dispute it because Experian website is not allowing me to log in and their phone number does not provide human service or any automated way of disputing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$260.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had wrote a previous complaint ID # XXXX and I am supplying you this CPA Letter showing you XXXX XXXX so you could send me the remaining balance of {$22000.00} via check that is rightfully owed to me. I also included a Schedule C form displaying how my taxes are filed I sent this via email to XXXX This is a loan from the government that I have to pay back and these crooks are unlawfully trying to take my money. I will not do business with Chase ever again in my life. I will file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Prior to XX/XX/XXXX @ XXXX I had called NETCREDIT one other time asking to do a settlement for $ XXXX and my bal is {$4100.00}. I only borrowed $ XXXX & I was on auto draft for {$92.00} a mo. I paid on auto draft for 7mo and in XXXX of XXXX I called in to reschedule my draft date because of some other bills due and I wasn't going to have the money to pay them. So when I asked what was the new balance I was told I owe {$4100.00}!!!! I was IN DISBELIEF AND SHOCKED! I asked why!!?? Because I've paid on time for 7mos straight, the rep said I have a daily interest rate of 6.?? % ( I can't remember the exact amount but I know it's over 6 % )!!!!! I said I was NEVER TOLD THAT I WAS ONLY TOLD THE APR IS 59.XX %! I SAID I'LL NEVER PAY THIS OFF BECAUSE I'M PAID BI-WEEKLY NOT DAILY! I have never had a loan w/a daily interest rate!!! I DIDN'T HAVE KNOWLEDGE SO I DIDN'T ASK AND THEY DIDN'T TELL!!!!!!! I took out the loan to pay off 2 credit cards & other bills to get out of debt but I've dug myself so deep I can't get out of this one. So when I called in XXXX of this year to try to settle I was told " THE SYSTEM MAKES THE DECISION WHEN THE ACCT WILL STOP ACCUREING AND CLOSE OUT THE ACCT ''! I said what! that doesn't make any sense as a large corporation THEY should be able to tell me when I'm EXPECTED to go to a collection agency and or when I can expect to go to court for this money. This company doesn't call you at all they just email you monthly & I FIND THAT VERY STRANGE!!!! I GOT THE LOAN XX/XX/XXXX AND I stopped paying in XX/XX/XXXX & they haven't called not ONCE! I have blocked them from emailing me so why don't you call because they KNOW THEIR ARE PREDATORY LENDING!!!!!! I'm going to seek legal counsel and or let it stay on my credit report for 7yrs and or wait for them to hopefully turn me over to the collection or take me to court to explain WHO THEY REALLY ARE. THE OTHER NAME THEY'RE UNDER IS : NC Financial Solutions of Georgia, LLC, d/b/a

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is all a farce ... You have to pay to obtain the actual score ... I could not even access one of the major three credit reporting agencies because I did not know what address or telephone number they had on their file. Meanwhile these credit reporting companies expect you to correct their information. One did not even have my correct birth year - they had me being 20 years older - and then they expect me to provide documentation to prove my corrections. 

My credit score went down 40 points in the past 2 months ... because I have no debt. We are in the middle of a pandemic ... people are unemployed and can not pay their rent ... and I made the conscious decision to pay off all of my debts and live within my means and the credit rating agencies penalize me. 

And what does CFPB do ... nothing ... This government agency is as much a fraud as everything else. No wonder fewer and fewer people trust the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
The dates are too many of them but they have repeatedly call on both my cellphone and my home phone and now my second wife phone ( which is is not at all involved with the debt ). And this needs to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
To my understanding, when I signed up for an Apple Card in an Apple store, Apple automatically setup the account to be both paperless and to go to the email that is my AppleID. I don't use this email as anything but my Apple ID. That said, I payed off my account for that original purchase of an ipad in late 2019. Then sometime  before XXXX the Apple Card became the default card for itunes/app store payments - it's unclear to me how - maybe automatically when the previous credit card expired? This lead to two unaccounted for app purchases for {$13.00} ( likely my 6yo daughter ) in XXXX not being realized until XXXX. While the Apple Card is supposed to be managed in the mobile device, I got no notifications or warnings or physical mail or phone calls. Only the emails to an email address I don't monitor and don't recall choosing for the account. By then I had two late payments reported and my FICO score dropped 109 points. It's also too late to dispute the app purchases and charges. So I called Apple and they forgave the interest on the 13.72 but said they could not do anything about the late payment reports. The refunded interest  charges were {$0.00}, {$0.00}, {$0.00} and {$0.00}. I'm no lawyer, but it seems to me that two late payment reports on less than {$15.00}, with questionable and lazy business practices to make sure I'm aware as a customer, and get me with two late payment reports and a resulting credit drop of 109 points seems unfair, unwarranted, and  frankly far too punitive. I can obviously handle losing {$13.00} for the apps, but to impact my credit score to that degree and my ability to get a loan to buy a house with enough room to handle two parents  and XXXXyo all working and schooling from home, while parenting another XXXXyo child, in the middle of a pandemic. I'm upset.

Company response to consumer: Closed with explanation