vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I attempted twice to get my free annual credit report from Equifax, XXXX and XXXX on Sunday, XXXX XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: NY

Complaint narrative:
my name is XXXX XXXX my social security number is XXXX my date of birth XXXX/XXXX/XXXX. my complaint is that equifax credit address pobox XXXX XXXX ga XXXX, the office of consumer affairs at equifax keeps giving me a hard time. in disputing my negitive information thats fraud on my credit report also i stated to the office of consumer affairs that i would like the security freeze to be premently remove off my credit report, every time i call the XXXX XXXX number to speak to a equifax representive to do a dispute i give them my confirmation number XXXX then when they access my report they tell me that they have to transfer me to the office of consumer affairs every time i get connected to the office of consumer affairs executive title XXXX XXXX ofr XXXX XXXX or XXXX XXXX keep telling me that they need a ssa form from the social security administration verifiy my social securtiy number, i dont understand why there asking me to do this in order to removed the security freeze off my report or do a dispute. i ve delt with XXXX XXXX from the excutive office of consumer affair back in XXXX when i did a dispute i send in a verification lettter from the social security adminstration verify my social XXXX and a copy of my birth certificate. and they have it on file along with my drivers license copy and utility bill. over the years i call equifax to do disputes i never had a problem until know, the issue is they keep refusing to remove the security freeze from my file is also refusing to do my disputes, until they recieved the ssa form, i told them several times that the social security adminstation no longer gives the letters anymore they told me to just send in equifax a copy of my social security card. also equifax block my file from on line acces, which means that i cant do any on line dispute, example go to equifax .com click on line dispute put in my confirmation number XXXX then my personal infor then sumimit, it will tell you they cant process my dispute on live, and the reson for that is the office of consumer affairs put a dummy profile in the system so when i put in my information it wont match, they have a different data base what they do is put my social security number in the system, but changr the address and date of birth and address in differently showing a different address and birth day. so ithat i cant access my account on line and block me out also from buy credit monorting sore wath from equifax. if you try to access my report through equifax .com youll see what i mean. also i wont like you to take action againt equifax for violating my constutional rights, i have a mortage pending and i need acess to my credt report. i can be reach at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: OH

Complaint narrative:
I was going over my report and found XXXX XXXX # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed an account on my credit report as ... " no contract " account unknown and requested verification of Debt. Experian took the debt off my credit report and has now recently put this collections item back on and credit score dropped 10 points

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 2017-09-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for an auto loan and was rejected by one loan company and given a higher interest by another, which pointed out I have a collection item on my credit so my credit is not excellent and I could not get financing at top tier. I pulled my credit reports and I had a collection account reported by XXXX XXXX XXXX ( XXXX ) for the amount of {$1700.00}. I sent a letter to XXXX on XX/XX/XXXX asking them to verify the debt. I also disputed the collection  with XXXX and XXXX. XXXX confirmed/verified the collection with them so no changes were made by either of the bureaus. Meanwhile, XXXX has failed to send the debt verification as required by law and to seize collection activities. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that they are in process of obtaining the documentation, which I have requested, and that they will forward such as soon as they obtain it. As of today, XX/XX/XXXX, they continue to report the collection to the credit bureaus and they have failed to provide any debt validation proof. As a result of their placed collection without validation I had obtained an auto loan at not best terms as their alleged debt bring my credit enough points to get into second tier financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I attempted twice to get my free annual credit report from XXXX, Transunion and XXXX on Sunday, XXXX XXXX from the XXXX government approved site XXXX. Both times I received a notice that I was unable to get a copy of this 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
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I attempted twice to get my free annual credit report from XXXX, XXXX and Experian on Sunday, XX/XX/XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this 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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX at around XXXX PST, I tried to request my annual free credit report for Experian, I got this error message, '' XXXX XXXX XXXXXXXX We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXXt XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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
Consumer complaint received 2017-09-11 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: CA

Complaint narrative:
Equifax security breach has me worried for my family and I. I would like the company to protect my identity. I am not worried just like the 143 million other people who are on the same boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I 've applied for a JP Morgan card with a banker in a branch, then again via telephone and now am submitting a formal complaint via the CFPB - XXXX has not processed my application and claims that there is no record of my previous applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: Seterus, Inc.
State: CA

Complaint narrative:
The property I owed located on XXXX XXXX XXXX XXXX XXXX, IL was sold on a short sale on XX/XX/XXXX The creditor, Seterus, continues to report the account as past due onXX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as ofXX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/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 2017-09-11 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: CA

Complaint narrative:
In XX/XX/XXXX, I got the statement for Pell-Grant over payment from XXXX XXXX XXXX XXXX.
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down 50 points IN XX/XX/XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and XXXX XXXX XXXX XXXX at all until XX/XX/XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XX/XX/XXXX ). 
When I got my statement from XXXX XXXX XXXX XXXX, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XX/XX/XXXX. This issue reported at XX/XX/XXXX from XXXX XXXX XXXX XXXX. I do n't  understand why. I did n't get any letter, email, statement or bill before XX/XX/XXXX. Simply I got the statement in XX/XX/XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XX/XX/XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XX/XX/XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XX/XX/XXXX Now I am in extremely hard time. Please help 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 2017-09-11 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: CA

Complaint narrative:
In XXXX XXXX, I got the statement for XXXX over payment from US Department of Education. 
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down XXXX points IN XXXX XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and US Department of Education at all until XXXX XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XXXX ). 
When I got my statement from US Department of Education, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XXXX XXXX XXXX. This issue reported at XXXX/XXXX/XXXX from US Department of Education. I do n't understand why. I did n't get any letter, email, statement or bill before XXXX XXXX. Simply I got the statement in XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XXXX XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XXXX Now I am in extremely hard time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CA

Complaint narrative:
Equifax Credit information hack. The company did not inform the affected users by any method instead waited for the news to break. Temporary website to check if you are affected is shady and seems haphazardly put together. This effects my whole life if my SSN is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CA

Complaint narrative:
The property I owed located on XXXX XXXX XXXX in XXXX, IL was sold on a short sale on XXXX. The creditor, XXXX, continues to report the account as past due on XX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as of XX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/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 2017-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Co {$2500.00} dollars for a shelf corp see attach Was scammed and want Wells fargo to close this fraud account and refund my money Account money was tranfered to XXXX fargo account number XXXX routing number 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 2017-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Late payments that should not be on my credit do to me receiving government benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: FL

Complaint narrative:
Equifax breech. Their PR website for checking if you were effected by the data breech returns random results. My SSN is on some black market now because of Equifax, who I never choose to do business with, it 's required cause Banks and credit run the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX loss of Personally Identifiable Information ( PII ) through a cyber security breach as reported by the Company in XXXX XXXX, although by their own investigation, information theft occurred over a period of three months ( XXXX XXXX XXXX. Equifax never notified me personally that my information was included in the data that was stolen from their safekeeping. I am a Military XXXX and currently an XXXX XXXX working for an XXXX XXXX in XXXX XXXX and my unit provided us the method to confirm on an individual basis the loss of our PII by Equifax. I want it documented that I checked my status using Equifax provided web site and received a positive result, which indicates loss of personal information through by their negligence, and the fact that they delayed announcing the data loss after their investigation ended in XXXX until first week of XXXX, which provided up to 90 days for someone to use my personal information to conduct identify theft related activity should be a crime. Equifax initially established a web site where affected consumers could log in and enroll in credit monitoring but had to indemnify Equifax from future arbitration or civil actions. Their current web page now specifically excludes THIS breach that put 143 million Americans information into the hands of people that have no business having it. There must have been significant pushback by angry individuals for them to specifically address this single topic on their web page. This Equifax breach is now the third time I have been part of a larger group of people that have had their personal information exposed without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CA

Complaint narrative:
According to Equifax I may have been impacted by the recent breach. This is unacceptable - mistakes happen, but the loss of almost half of America 's personal information is a disaster. Equifax needs to be punished.

Company response to consumer: Closed with explanation