vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When i log onto my Equifax report on www.equifax.com, they have missing information. All data listed is as if we are in the year XXXX. My current accounts opened since XXXX to this date are not listed. I have called in and was advised they could see my report to it's entirety. Myself no creditors can, as they are reporting information from XXXX and XXXX only. This has caused me to be denied credit for " insufficient credit history '' due to the fault of Equifax not reporting all of my credit history. On XXXX XXXX, the history from XXXX and XXXX is being reported to them and not all of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/2018 IDNotify ( experian ) contacted me because of a breach of data asking if I wanted complimentary security protection. I agreed. In XXXX experian contacted me for security protection to register for what I thought was extending the complimentary program I already had. Nowhere did it say i was going to be charged for a membership ... this is for a service I already had that they are baiting and switching for a fee!!!! When contact they said it was non refundable. I spoke to a supervisor who was totally unsympathetic. This is confusing to the public. I demand that they cease and desist confusing customers they already are doing the sale service for by operating under the guise of complimentary.. one is apparently ID Notify and the other is Experian Express . The supervisors name is XXXX. Please contact me with what recourse I have with this unethical practice under the jurisdiction of fair credit reporting. This must stop!!!

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 2019-12-03 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: Clarity Services
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: LEXISNEXIS
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX 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. 
B XXXX  XXXX XXXX  XXXX  ACC # XXXX******XXXX  XX/XX/XXXX 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 SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FactorTrust, Inc.
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: PA

Complaint narrative:
Transunion avoids an credit ran on XX/XX/18 with no wrong information as fraud was committed with XXXX/XXXX  XXXX  as me wrong DOB wrong Drivers LIc Number as well as Social Security # sends me some lame excuse about 2 years that has nothing to do with the issue of credit been ran on XX/XX/18 oin which is not me and why. There has been no other proof to why or nothing by Transunion to clear up the mess to why DOB, Soc sec, Drivers lic does not belong to me or my correct information. Transunion avoids to provide the right information to justify none of the information belongs to me.

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 2019-12-03 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: FL

Complaint narrative:
It's not my account. i never had this credit card, never applied for 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 non-monetary relief
Consumer complaint received 2019-12-03 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: NV

Complaint narrative:
this letters were sent most importantly due to the erroneous reporting to the 3 credits bureaus and put the highly negative impact on my personal credit report. 
1 ) XX/XX/2019 XXXX XXXX XXXX {$720.00} 2 ) XXXX XXXX XXXX {$710.00} 3 ) XXXX XXXX  {$750.00} 4 ) XXXX  XXXX   XXXX {$1600.00}

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 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I am requesting that the CFPB please inquire into the matter of Debt Collection Harassment committed by Hayt, Hayt, & And Landau for their client(s) XXXX   And XXXX XXXX  XXXX. I have asked them to provide me with proof (validation) of an alleged debt and in retaliation, they have gone ahead and filed a lawsuit when under the Fair Debt Collections Practices Act they are supposed to cease all collection efforts while they validate the debt. Furthermore, they have failed to update the credit bureaus to show “Consumer Disputes.” The list goes on with the unfair and harassing tactics they have used on me. 

This entire thing is really stressing me out and I don’t know why I must spend so many countless hours trying to correct these companies' mistakes. 

I’m requesting an investigation/inquiry into this matter.

I do not want any telephone calls from XXXX  or their debt collectors of ANY KIND and if I do I will consider it harassment.

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 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I have two accounts in collections with Wakefield and associates. Both accounts are old. Wakefield and associates has reported both accounts as new to the credit reporting agency and dropped my credit score by almost 30 points. I monitor my credit closely and receive a notice today that there were two new account was added. This is re-aging and illegal. I called the creditor and they are denying it. It clearly shows on my credit report is a new collection account and this is not the first time they have done it. It has happened at least three times over the last year. Each time it drops my credit score which I am trying desperately to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
It's not my account. i never had this credit card, never applied for 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 2019-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I went to XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX, CA XXXX to shop for a car and also sell my call. 

They offered me {$10000.00} for my XXXX XXXX XXXX, and accepted the offer. They were going to pay the amount due to the Bank ( {$6100.00} ), which they did, and pay me back the difference, which I have not received as of today. 

I leased a car with them ( XXXX ), I paid a down payment of {$500.00}, and agreed to monthly payments of {$360.00}, including GAP insurance and wear and tear. 

I have been reaching out to the person that we made the agreement with ( XXXX and XXXX ), and they had been telling me that they were going to reach out to me, but took several weeks to do so. 

I received a call today from XXXX ( XX/XX/XXXX ) to let me know that they were not sending me a check, and I stated that was not the agreement. Then he said that he was going to reach out to the sales manager ( XXXX ), which I never spoke to before and did not even talk to him when I was in the dealership. 

I want to resolve this and get the money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This company just called me at work XX/XX/XXXX about a " debt '' from XXXX saying. A very rude guy told me if I dont pay them {$460.00} they will be sending someone out to sue me. I asked him several times to lose his aggressive tone or I will be hanging up. When I asked him for some sort of verification of the debt he said they are not able to supply that to me without submitting a judgement against me. I told them that if that is what they need to do then go ahead. I will be doing my own research about this so called debt. He then said he will send me something if I make a payment arrangement first. I said ummm no I am not giving you any money without a verification. i said I will call the credit company myself and get to the bottom of this. He was very rude and aggressive and said that they no longer have the case and will not know what I am talking about and it is pointless to even call them. I need to settle and speak with them only. I said I would like to hear it from them and see what happens. If you need to send me to court in the mean time than I understand but I am not handing over any money until then. I then asked him to stop calling me work and gave him my cell. They then insisted to speak to my boss and said Im tired of arguing with you so let me talk to your boss so they can find out when I get paid and how much I make! I told them he was not in and unless they have a court order to deduct wages it is pointless to speak to him and if they call me again at work I will file a harassment complaint. They then said they will contact my boss on his personal cell. I said do what you got to do and then I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am requesting that the CFPB please inquire into the matter of Debt Collection Harassment committed by XXXX, XXXX, & And XXXX for their client ( s ) CitiBank And XXXX XXXX XXXX. I have asked them to provide me with proof XXXX validation ) of an alleged debt and in retaliation, they have gone ahead and filed a lawsuit when under the Fair Debt Collections Practices Act they are supposed to cease all collection efforts while they validate the debt. Furthermore, they have failed to update the credit bureaus to show Consumer Disputes. The list goes on with the unfair and harassing tactics they have used on me. 

This entire thing is really stressing me out and I dont know why I must spend so many countless hours trying to correct these companies ' mistakes. 

Im requesting an investigation/inquiry into this matter. 

I do not want any telephone calls from CitiBank or their debt collectors of ANY KIND and if I do I will consider it harassment.

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 2019-12-03 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:
I have tried to unfreeze my credit report from Experian. I sent all the required information to Experian XXXX Texas office on XX/XX/2019. I have called several times and only get a robot never a real person. I need my credit to purchase an RV. This is very frustrating! 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 non-monetary relief
Consumer complaint received 2019-12-03 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: NC

Complaint narrative:
Transunion continues to display innacurrate employer ( XXXX XXXX ) on credit 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 non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a case : Complaint Number XXXX-XXXX. I have 3 letters from US Bank in response of that case. The letters indicate phone numbers I have to call to solve this dispute and 2 of them are not the department that I supposed to call. I have been transferred to different departments, all of them asking my account number, name, social security number, date of birth, case number ( issued by the Bank ) which I provided all to all of the agents I spoke with and none of them were able to solve this dispute. 
I feel that US Bank failed again to solve a problem that they caused to me. Again I was in the phone for over 1 hour and this entity showed that is not welling to solve this problem.

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 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
I had a company Tek report on all three of my credit reports a collection debt that is not mine for the company XXXX XXXX in XXXX Texas. I contacted both companies to get the original contract that was supposedly signed by me and has my social security on it and I have yet to receive anything from them. I did some research and have proof that this account belongs to someone else similar name different social. But they are trying to attach it to me. This account was also proven to be fraud with XXXX XXXX who has the original information who we had to deal with this situation before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : 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 2019-12-03 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: WA

Complaint narrative:
I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to XXXX  on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. Experian 's online portal for uploading supporting documents won't work and XXXX   's online dispute function is completely broken. I need this record removed by all 3 bureaus.

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 2019-12-03 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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : 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 non-monetary relief