vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 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: OH

Complaint narrative:
I recently conducted a review of my Equifax credit report, and I noticed that their agency showed Nine ( 9 ) credit inquiries that I find to be problematic which may be due to a breach of their system. 

The first inquiry in question was apparently made by XXXX - XXXX XXXX XX/XX/XXXX. XXXX XXXX from XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 
Along with ACCOUNT XXXX XXXX ( NOT MY ACCOUNT ) I have no recollection of doing any business with the listed. 

I contacted Equifax and asked them to take action to get this inquiry and Account removed from their records and to erase any record of the inquiry. They told me they CAN NOT. 
Which has prompted me to Complaint here and prepare to file a lawsuit? 

Please investigate/Remove these inquiries and Accounts at your earliest possible convenience or I will go forward with my lawsuit. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Coast to Coast Financial Solutions, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX COAST TO COAST FINANCIAL Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COAST TO COAST FINANCIAL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One started new policy which did not allow me to sign to account when overseas ( without any notification ). First time I was in XXXX and customer service had me change password which allowed me to sign on. Second time when in XXXX this did not work and I was frozen from using my account when overseas. Again I was never notified of this policy change on a " no foreign transaction credit card '. When in XXXX I made a 2nd purchase on XXXX and the merchant said he never received payment. I called credit card voice and no charge had been made. This forced me to pay by cash. I also then immediately canceled the credit card with over {$200.00} in points and sold {$100000.00} of Capital One XXXX XXXX that I owned at 4.2 % rateimb. When back in the states I saw that the merchant was paid late. PLEASE NOTE that the Company on the Bill was not XXXX but was XXXX and that the phone number provided was A NON WORKING NUMBER. I filed a complaint with an email from the merchant of how he could reimburse the credit. I told him to wait for the Capital One response. Move forward I have CANCELED the card and back overseas in XXXX and I get an email saying I have a Late Payment. At no time was I emailed saying I had an outstanding payment. What happened was I was mailed a letter saying that they did not have a cash receipt and credited my CANCELED Account the payment. PLEASE NOTE that I have a XXXX Credit Rating and pay my bills early. There was no way to sign on to A CANCELED ACCOUNT. I payed the bill with A LATE PAYMENT. Back in the state I called and wanted A WORKING Number for the merchant and wanted to know how they contacted them? They said they could not provide a Working Number only the one that was not in service or disconnected. I then said since I do not have an account and was not notified by email about a payment the should reimburse the late fee at a minimum. They said they could not send a check by mail but could credit my CANCELED Account. PLEASE NOTE Capital One is nothing but computer and a Call Center which are usually overseas. They preyed on this purchase and need to admit their mistakes on not notifying me about " Policy Changes '' which affected my foreign business. Also Please Note that I now get a statement that I have a {$2.00} credtit on my canceled account. This an AI Computer Service with NO INTELLIGENCE on the customer or the mistakes that are being made. I also want to know how the credit card company INVESTIGATED thev charge that I filed a complaint on? I am paying for a service and believe that did not investigate or contact XXXX via XXXX. This is all unacceptable and they need to start answeing immediately. Thank You CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I tried to fix an abusive and incorrect information that XXXX and Bank of America is reporting the account ending in xxxxxxxxxxxx XXXX as Charge-off. Debt included in or discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. The limnit was XXXX, and highest balance was {$11000.00}. 
On XXXX  I can see that : Balance {$11000.00} Credit Limit {$7500.00} Available Credit $ XXXX ( How is possible to have negative availability when my dept wast discharged through Bankruptcy Chapter  XXXX by Court of Law on XXXX, XXXX? I never heard about that some/ or an institution to be above Law? 

The XXXX updated my report with the above account on XX/XX/XXXX as Charge-off. In my humble opinion I believe that are they trying to overrule a Federal Law and to reinstall an account that was closed many years ago and included in Bankruptcy. 

My Info Regarding Bankruptcy : US BKPT CT CA XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT CA XXXX XXXX  Contact Info of : BANK OF AMERICA XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I believe the above account was closed back in XXXX-XXXX and for sure the dept was included and discharged through Bankruptcy and any dept was dissolved and approved by Court of Law back on XXXX. By Law I owe {$0.00} to anyone and nothing negative should be reported as negative on my credit report. 

It's impossible that to have bad debt and to be placed for collection and updated on XX/XX/XXXX with a past due amount of {$11000.00} when the amount should be {$0.00}!

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX   Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my credit report I discovered several fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Just tried to open an online savings account with XXXX ( XXXX ) XXXX ; my application was rejected based on my " frozen '' credit info at Experian and XXXX. Experian and XXXX are both full of XXXX -- I permanently unfroze my credit at all 3 credit agencies in XX/XX/2019 after a long, drawn-out verification process imposed by 2 of the 3 agencies, and unfrozen credit was confirmed by my mortgage lender in early XX/XX/2019. 

I have NOT requested my credit be frozen since it was unfrozen in Spring, 2019. XXXX XXXX insists that Experian and XXXX reports show that my credit is still frozen, and that they are powerless to change anything supplied by those two credit bureaus.

I am requesting that 1 ) my credit be unfrozen permanently, and 2 ) that my name, credit info, and all material information relating to my identity be removed completely and entirely from XXXX and Experian 's databases and that I never have my otherwise happy, productive and credit-free life interfered with again by them or their interests. Thank you, God. Amen.

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 2019-10-24 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: NJ

Complaint narrative:
I filed multiple complaints Against a fraudulent inquiry on my credit profile issued by XXXX XXXX, after doing my research I have identified that a third party known as Equifax Mortgage Services pulled my credit report for the company in question XXXX XXXX. 

I never authorize any type of inquiry or had any type of business with XXXX XXXX for me and of employment, Insurance, financing, or any mortgage loans. 

As I stated in previous complaints I am not aware of how this company have information about me or my email address to contact me. 

I respectfully request that XXXX XXXX provide or display in this CFPB platform the proper documentation that Ive giving consent to impact my credit profile. 

If XXXX XXXX can not produce such documentation baring my wet signature then this inquiry must be removed immediately. 

I have disputed this inquiry also with XXXX and they have stated this inquiry is factually sound, so I am demanding XXXX  request the documentation necessary to show proof of their statements from this finisher of negative information to my credit profile with a fraudulent inquiry I did not authorize. 

Unfortunately I will be forced to engage in litigation in the State of New Jersey courts against XXXX XXXX for illegally checking my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK
State: MA

Complaint narrative:
Im trying to get a deferment or forbearance with Discover Student Loans. They provided my with phone numbers that disconnect every time I call them. I have been calling 3-4 times a day since XXXX. When emailed customer service for help, they consistently tell me to call the numbers provided even though I repeatedly tell them I always get disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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:
Experian is will fully in-complaint to my request to remove items being reported on my credit report due to identity theft

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 2019-10-24 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:
Hello, I had this problem before literally about 7 years ago. I provided Experian proof of payments of medical bills and even spoke to collection agency. And they refused to take these things off of my credit report. 

Once again I have been fighting to clear my credit for 3 months now. An Experian refuses to remove anything. They have been doing this to me for the last 10 years holding errors and incorrect information on my account that is not mine or that should have been removed. I have been disputing for the last 3 months. Nothing has changed and no response from them either. 

I will need to have these errors removed off my account or I will have to seek legal action. 

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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notification that my Discover credit card was declined. I logged into my account and saw a fraudulent charge. I called Discover, who closed the account and issued a new card. What I didn't realize until later that night was that Discover lowered my Credit Limit to XXXX from XXXX and I was now Over limit! I called to find out why and the rep said that my account was reviewed and lowered. He had no explanation. 
I have a perfect payment history with Discover, and all my cards, and always pay more than the minimum payment. This lowered limit coincidentally coincides with my XXXX birthday.I feel that my limit was lowered due to my age and that I'm female. This lowered limit has caused a drop in my credit score by 65 points!!!! 
I reached out to Discovers Executive Offices and spoke to XXXX (? ) who took my complaint. There was no reason to drop my limit, and now my other credit cards will follow suit. This is an unfair practice to do to someone who is planning to retire in three years!!!! I don't have the luxury of rebuilding that a younger person has and worked very hard to maintain a GOOD credit score for my future. Discover needs to be investigated for age discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have asked them repeatedly to stop calling and to correspond with me through mail. Was told I owed a debt and I had to pay it, and it's not their fault I can't my my bills on time. Was asked how much I make a month because there's no reason I can't pay them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Insight Management Partners, LLC
State: AZ

Complaint narrative:
This company has repeatedly called and left messages for someone THAT IS NOT ME. 

They called XX/XX/2019 at XXXX. 

And then XX/XX/2019 at XXXX! 

I already explained to them that this number DOES NOT belong to the person they are trying to reach and they continue to call, leave very threatening sounding voicemails, and at inappropriate times. 

Their voicemail states that I should contact them or have my legal representation contact them, and that " it is in my best interest to do so very soon '' -- but said like it's a threat to whoever they're looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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:
XXXX is will fully in-complaint to my request to remove items being reported on my credit report due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
To start with, in 2012, I opened a checking account with Wells Fargo and when my debit card came in the mail a credit card came as well. However, I do not recall authorizing Wells Fargo to issue me a credit card nor do I recall signing for one. Thus, although I admit to using the card, because I did not sign for the card, then I should not be legally held to the contract. Not to mention, a class action lawsuit was filed against Wells Fargo for opening unauthorized accounts. Lastly, the credit limit for the credit card was {$600.00}. Yet, Wells Fargo has charged the card off for {$990.00}. Given these points, I am asking for Wells Fargo to provide me with ( 1 ) proof of contract bearing my signature and ( 2 ) full accounting for the amount claimed to be owed using generally accepted accounting principals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have successfully been able to remove this fraudulent account from XXXX and XXXX, however Experian has yet to remove this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation