vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I have been receiving calls from Afni for years now about equipment that has been returned. I have disputed this on my credit reports and it keeps coming back. The last time I spoke to a representative she could not tell me any information about the debt just wanted my credit card information. They call 5 to 10 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. 

First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been XXXX for the past 13 years and I am currently an XXXX  at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my XXXX I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX  XXXX XXXX case manager, my police report. I Thank u in advanc for your time, consideration in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
2 months ago I filed a fraud complaint with American Express. Someone charged over {$3000.00} on my card ordering something from XXXX. To this day, neither American Express nor XXXX will disclose any information about this fraudulent charge. Basically claiming that they need to protect the criminals. 

My identity has been stolen and it only makes sense to get information to me so that the detective involved in this case can see if this is associated. American Express REFUSES to help me Thus they are part of the problem in letting criminals go free and leave me vaunerable to more fraud. This is so unfair and it almost seems like American Express is trying to cover something up. 

I asked for a phone number where the detective on the case could call to get involved, and they refused to provide any information. 

Clearly American Express has issues with XXXX. It's easier to just refund for fraudulent charges rather than actually try to find answers as to who is committing the crime. 

I starting using American Express assuming they might give me better service than Visa or Mastercard. Clearly I was wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing to request to put a security freeze on my credit report. I'm also opting out of XXXX, XXXX XXXX, Innovis reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to request to put a security freeze on my credit report. I'm also opting out of LexisNexis, XXXX XXXX, XXXX reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/2020, my husband and I contacted XXXX XXXX XXXX to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of 2020 as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our XXXX Account. Again, we called XXXX and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to XXXX requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that XXXX is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old XXXX that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. XXXX acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XX/XX/2020, my husband and I contacted XXXX XXXX XXXX to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of 2020 as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our XXXX Account. Again, we called XXXX and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to XXXX requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that XXXX is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old XXXX that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. XXXX acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.

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 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I kept on requesting a credit line increase on my Capital One XXXX card. I was continually getting declined stating {$5.00} balance to high. Requested another Capital One Card this time Quicksilver. Was approved & then sent feedback expressing my concerns about having to charge me $ XXXX yearly fees to open up a new card when all they had to do was grant me the credit line increase. The company went and restricted my new account and is preventing me from paying any additional payments on it. I feel being retaliated against because of mentioned unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA REC is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Conn's, Inc.
State: TX

Complaint narrative:
The account CONNS is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
IC SYSTEM INC at has been sending me collection notices in the amount of XXXX The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. 
this company does not have a contact with my signature.

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 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
This company continuously reports this account on my credit report without providing any documentation to back up this claim. They have only sent me an invoice. I have reached out to this company and the hospital and I haven't heard or received any documentation to prove that I owe this money. I've never went to this hospital and a claim was never filed with my insurance company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2021 I sent off 3 letters to XXXX, Transunion and XXXX  informing them that there were some forcible inaccuracies on my credit report and that I wanted them removed. It has been over 45 days and I have yet to receive even the slightest response. The FCRA states that the bureaus have a specific number of days in which to respond and we are well beyond that. I am considering litigation at this point as these inaccurate violations are abusive. Thank you. Please have them delete these erroneous items from my credit report as the laws state is their responsibility and my right.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2021 I sent off 3 letters to Equifax, XXXX  and XXXX  informing them that there were some forcible inaccuracies on my credit report and that I wanted them removed. It has been over 45 days and I have yet to receive even the slightest response. The FCRA states that the bureaus have a specific number of days in which to respond and we are well beyond that. I am considering litigation at this point as these inaccurate violations are abusive. Thank you. Please have them delete these erroneous items from my credit report as the laws state is their responsibility and my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Received a collection notice from I.C Systems , Inc. for the Creditor XXXX in the amount of {$350.00} on XXXX. I contacted XXXX directly instead of the collections Company to verify my concerns of fraud. I spoke to two customer service members and both verified my name and address were not in their system, and also verified they dont offer services in my area. The 24 digit Account number that was supposed to be my XXXX Account number was also verified fake as it started with an XXXX  and customer service said that normally in Wisconsin it will start with an XXXX. My initial thought was fraud due to the fact Ive never had a XXXX account. But this will surely fool lots of people the paper looks really professional and many will be scammed.

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 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
National Credit Adjusters at XXXX XXXX XXXX XXXX, XXXX, Ks XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been incarcerated for the past 13 years and I am currently an inmate at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my incarceration I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX XXXX XXXX  case manager, my police report. I Thank u in advanc for your time, consideration in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: PA

Complaint narrative:
I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Is reporting opened but its closed and revolving account XXXX  XXXX, XX/XX/XXXX balance unknown XXXX XXXX  XX/XX/XXXX is reporting open and revolving but is closed balance unknown XXXX XXXX XXXX XXXX XXXX XXXX is reporting opened and revolving but its closed balance unknown Inquiries : XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting delinquent.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted Experian since XX/XX/XXXX in regarding my credit report not updating since XXXX XXXX XXXX. The issue was never fixed. I contact Experian again and spoke with several reps a I was told it was my system however there system show My most update credit report as of XX/XX/XXXX. I asked to have a credit report mailed today XX/XX/XXXX at XXXX et and asked if the credit report will show an updated credit report. I was told the information will be dated for XX/XX/XXXX and a ticket was issued and the credit report will take 7-10 days from an supervisor at Experian. This is affecting me because I am not able to view my credit its also telling credits my account is frozen and I only have XXXX and XXXX frozen not Experian I was not offered any compensation due to this inconvenience. Just an sorry mam

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 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Spoke with the US Supervisor on XX/XX/2021, and asked them to remove the late from my account. Told them that I have proof it is inaccurate. They told me that they can not remove it unless the agency ( XXXX XXXX XXXX tells them to. They refused to correct the information for XXXX XXXX even though I explained I have proof that XXXX is not correct.

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 2021-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
This debt was paid off and is still reporting on my credit report. This was supposed to be deleted

Company response to consumer: Closed with explanation