vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX I attempted to use the XXXX XXXX to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as XXXX, address, XXXX, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for XXXX, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the TransUnion Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the XXXX XXXX breach, ( I confirmed by going to the XXXX breach Website and entering my SSN ), how am I to protect my private consumer information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: TX

Complaint narrative:
My personal identifying information may have been mishandled by Equifax during the Equifax leaks of XXXX to XXXX of 2017. Upon submitting an inquiry through their official website, Equifax was unable to deny mishandling my personal information or credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My social security number was compromised in the recent XXXX security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. Transunion was able to process my request over the phone. XXXX ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. XXXX was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised XXXX along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of Arizona then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of XXXX. This is seriously embarrassing and needs to be resolved.

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 2017-09-13 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: AZ

Complaint narrative:
My social security number was compromised in the recent Equifax security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. Equifax ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. XXXX was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of Arizona then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of Equifax. This is seriously embarrassing and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC
State: CA

Complaint narrative:
Summit receivables continues to contact my employer even asked to stop and when I spoke to them they wo n't verify what debt is about just threatened me that they will contact my employer so that I would be get embarrassed in my employment. I do n't believe I owe them. The company that keeps calling at my work place summit receivables with phone # XXXX her name XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
MACYS XXXX : XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification MACYS is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.

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 2017-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion 's page for credit freeze has been down or non-functional since the XXXX hack last week. There has been no response from the company. As of now, it is not possible to freeze credit with TransUnion. 

https : //freeze.transunion.com/index.jsp

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 2017-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying, in vain, over the course of a week, to place a freeze on my credit file at Transunion. Their website returns an error ________ We are unable to complete your request. 
What happened : Unfortunately, we are unable to process your request based on the information provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX. 
_________________ The phone number places the caller on hold indefinitely. ( I mean Forever! ) They have Never Answered this number. I have tried other numbers in their contact list but am referred back to the website. 

This company should NOT be allowed to store or report any private credit information, they are INcompetent!

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
on my credit report the same debt is shown twice, XXXX XXXX bank and XXXX XXXX XXXX shows the same debt, there for my credit score is being hit twice for the same debt, Equifax dispute system only has boxes for me to check to dispute a issue, this is not XXXX of those areas they allow a dispute, and they do not allow any me to add a written dispute about this with them, please help me correct my credit report XXXX XXXX had such a written system and removed XXXX XXXX bank the same day as i sent the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XX/XX/2017 both account 's

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hard pull from XXXX, XX/XX/XXXX all three reporting companies gave me a hard pull from XXXX, XXXX and XXXX had it removed as I have never tried to get an account with XXXX, Equifax has not removed this hard pull from my account! I need this fraudulant pull removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.

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 2017-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX : XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secured creditor with power of attorney general, and Executrix on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 
BANK OF AMERICA HOME LOANS, must herein provide a true and certified copy of the complete audit trail of said accounts. furthermore, in order for BANK OF AMERICA HOME LOANS to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please settle account immediately within the next XXXX 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 explanation
Consumer complaint received 2017-09-13 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: Clarity Services
State: MI

Complaint narrative:
Non compliance of FCRA and XXXX XXXX compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX 2017 I pulled a copy of my credit report and found a {$370.00} collections through Phoenix Recovery Group ( PRG ) for a debt through XXXX XXXX. I contacted the number on the credit report and was told that the debt was from a property I lived at. When asked, the PRG rep mentioned that he was unaware of what property or address. I requested validation of debt but did not get anything nor any phone calls regarding the debt. 
XXXX 2017 After no response from PRG I called several times and each time spoke with a PRG representative named XXXX. He assured me that he had a copy of the bill and persistent in requesting payment quickly. I again requested a copy of the bill and he would say that he would send to me. I left voicemail messages directly for XXXX with no call back. 
XXXX 2017 I called again and spoke with a PRG rep named XXXX who told me he saw XXXX notes and he did have a bill from XXXX XXXX XXXX and asked if I lived there. I told him I did but I never received any bills following my move. He explained that they were for a pet cleaning fee and utilities. I explained that I paid {$600.00} in pet fees to cover the cost and paid extra on my last month to cover the utilities and should not owe any debt but also did not get any bills. I then asked him what the total of the bill was and he said {$370.00}. I then asked him for specific charges. He mentioned the XXXX cleaning was {$150.00} and the utilities were {$50.00}. Before I could say anything else XXXX quickly added that he would work with me on the total. I again asked for a copy of the bill and that I would like to dispute with XXXX XXXX. XXXX days later I received a copy of a bill for {$200.00}. 
XXXX 2017 I contacted XXXX XXXX and left a voicemail message requesting a call back. I then received a letter from PRG with a copy of my lease stating that they deleted the interest and reduced the total amount owed. 

XXXX 2017 I called again and the phone continuously rang without an answer therefore. I went to the website of XXXX XXXX and sent a request for validation through the site email. I did not receive a call or email back, therefore I mailed a certified letter to Drought properties with a copy to XXXX XXXX XXXX requesting validation. I also called and spoke with XXXX at XXXX XXXX on a recorded line and was informed that the pet fees cover the cost of any damages and pet treatment, however is non-refundable. 
XXXX 2017 I received a letter signed by XXXX XXXX ( XXXX XXXX  of XXXX XXXX ) stating that they are unable to find me in their system and requesting my move in and move out dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently disputed information with Experian and they once again refuse to abide by the law. Section XXXX of the FCRA specifically states that I as a consumer have the right to ask for PHYSICAL PROOF to support their verification process and they REFUSE to give me the information that I am asking for. The following items are still be listed on my credit report and they simply send me a new report stating the creditor verified the information. They are liars, frauds and are breaking the law. I am demanding that physical proof be sent to me. The law does not state that I have to contact the original creditor, The credit bureau has to provide the information that I am asking for and they WILL NOT Do it. 

Experian is reporting the following information and refuses to send me Physical Proof to show the account is 100 % compliant with the law meaning it is 100 % verifiable, 100 % complete and 100 % accurate. 
I am also wanting to report a XXXX XXXX Violation as they are not supplying me with full complete line item information. 

XXXX. XXXX XXXX XXXX. Listed with partial account number XXXX and this is a medical collection which is VIOLATING XXXX as no release was signed by me. 
XXXX. XXXX XXXX Services Listed with a partial account number of XXXX They refuse to send me physical proof. The burden of proof is not on me it is on you EXPERIAN to provide physical documentation or remove it. 
XXXX. XXXX XXXX Listed with a partial account number of XXXX they say the account meets the requirements of the FCRA. IT DOES NOT. No physical proof has been supplied to me even when I request it. They are reporting erroneous and inaccurate information against me with this one. XXXX can not provide a signed contract so how can Experian Verify it, they cant!

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 2017-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
Lost {$160.00} from the transaction I sent needed it refunded to my fianc he gave me the money for this transfer and the company wo n't refund us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: IL

Complaint narrative:
My personal information was severely by Equifax and their security team, and was not informed about this directly until the report came out a month later, and I had to check online on my own accord to see if I was affected. I have had to place freezes on my account with Equifax, XXXX, and XXXX. However, I still have trouble getting through with Equifax 's system to place a freeze on my account with them, which is very counterproductive, especially with a company that just mishandled my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: OH

Complaint narrative:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation