vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My complaint is with Experian IdentityWorks credit monitoring and fraud detection services. 
On XX/XX/XXXX, I recieved a letter from XXXX XXXX alerting me to a data security incident they experieced that may have given access to my personal information with XXXX XXXX as well as linked bank accounts. XXXX XXXX arranged with Experian IndentyWorks credit monitoring and fraud detection services for me for 24 months. I was instructed to go to www.experianworks.com/credt and register with Experain to begin this service. 
I was unable to complete the registration as Experian sis not recognize my Social Security Number ( SSN ), I called Experialn customer service and explained my problem - a representative was assigned to assist me ; It was during this " process '' I put a stop to the " interview ''. 
After providing my SSN to the Experain Rep. he proceeded to ask for more personel information to be used to help Experian identify me. I had provided my SSN, date of Birth and home address - when I was asked for the city my nearest sibling lives, and then to identify whether I recognized a vehicle registration number from a list of them the Representative recited - I asked why must I provide Experian these key pieces of personal information to register for their service? It was then the Experian Representative stopped talking - I asked if he were still on the line - no answer - after some minutes of silence I hung up. I attempted to call back but found I was once again faced with the Experian IVR system requesting my SS number, date of birth and home address. Once again I provided this information and waited on the phone for an experian customer service representative to take my call - after a very long time waiting I hung up. 
From this experience I have to ask how safe is it for me to provide a company my personal information in such detail to a .com business?

Should Experain be " hacked '' the personal information Experian has obtained about me provides someone, who gains access to this information, all the personal information they would need to steel my identity and more. This is the reason for my complaint. It is unreasonable for a non government business to have in its possession this level of personal information - and it is unreasonable that people in need of protection services to have to surrender ALL of their personal information to obtain this service. 
I have left a message with XXXX XXXX requesting someone get back too me as I do not intend to " register '' with Experian under the conditions Experian demands in order to have their " services ''.

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 2020-08-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is practicing an unfair and rigged teeter-totter with a consumers score. If I one uses some of their available credit, they decrease their score by leaps and bounds but when I payments are made to decrease % utilization by paying off the debt and increasing again the credit available they only increase my peoples score by a fraction of what they take away based on the same amount. Just recently, they took 39 ( -39 ) points off my score when I paid off XXXX dollars of my total debt. This is the total opposite of what they should do and normally do. Every month or week they change and invent new scams to decrease the score and then bring it back up very slowly to keep people in the same range. This is the biggest scam to consumers that I have ever seen and should be stopped. It is a fraud being done to millions of consumers without any protection from the government. They run this scam wildly and cheat millions of people causing them to pay higher rates and to suffer many unjust consequences that come from low credit scores. I have been paying all my bills for years, but I have never been able to reach a normal level of credit higher than 600 because they purposely keep maneuvering the algorithm to keep people stuck in the same place. Have Equifax restore my score and have the cognizant government agency for this company and the other credit reporting agencies to analyze their practice as I truly believe they are flawed and skewed against the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Every time Portfolio Recovery Assoc LLC calls me they tell me a different balance amount XXXX XXXXXXXX dollars more than I owe. I have gone through this with them many times with several different callers all of which speak broken English and just try to harass me into making a payment. The last letter states my balance as : {$1800.00} and offers me a reduced balance amount if paid in full by XX/XX/20. 
I am XXXX years old, living only on my Social Security check each month since XXXX due to pandemic not working my part time retail job due to XXXX concerns about XXXX They are wrong about my balance. Debt has reached statute of limitations in Illinois also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
Following my credit report I have seen a few accounts which never seen before. 
I do not recognize these accounts and requiring to remove them from credit report, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. Please remove all of these accounts from credit report as soon as you can.

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 2020-08-03 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: FL

Complaint narrative:
Following my credit report I have seen a few accounts which never seen before. 
I do not recognize these accounts and requiring to remove them from credit report, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. Please remove all of these accounts from credit report as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently sent letters on XX/XX/XXXX to to the credit bureaus and they are disregarding a regular consumer dispute. I have sent letters to them prior to this due to this matter that needs to be resolved immediately. The inaccuracies has taken a toll on my life and to not be getting a response is beyond crazy to me. There are laws that they must abide by. 

Today is XX/XX/XXXX and i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get in contact with them and get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently sent letters on XX/XX/XXXX to to the credit bureaus and they are disregarding a regular consumer dispute. I have sent letters to them prior to this due to this matter that needs to be resolved immediately. The inaccuracies has taken a toll on my life and to not be getting a response is beyond crazy to me. There are laws that they must abide by. 

Today is XX/XX/XXXX and i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get in contact with them and get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
We have an ongoing dispute open with XXXX XXXX XXXX XXXX, Lease # XXXX, regarding services that have not been properly rendered as per agreed upon in the contract. We have tried to communicate directly with XXXX XXXX to remedy the problem, and we have made a payment in good faith, but XXXX, XXXX has been unresponsive in remedying the trouble we have had concerning the Solar panels installed on our home. Please be advised that we would like to solve this issue as soon as possible with XXXX, XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTIFICATION OF DELINQUENT ACCOUNT CREDITOR : XXXX XXXX XXXX XXXX Lease # XXXX Reference # XXXX Past Due Amount {$1100.00} The above-mentioned matter has been referred to this office. This communication is from a debt collector attempting to collect a debt ; all information obtained will be used for that purpose. 



Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice that the debt or any portion of it is disputed, this office will obtain and mail you a copy of the verification of debt or a copy of the judgment against you. If requested by you in writing within thirty days of receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 



All payments must be drawn payable to 'Kehoe Financial Group ' and sent to the address at the top of this letter. 



The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I made a purchase of 4 cans of XXXX spray through XXXX. It directed me to a website. After my purchase I received the information from Paypal that I had paid {$20.00}. The transaction ID XXXX ... Purchase date XX/XX/2020 Payment to : XXXX Invoice ID : XXXX Merchant Transaction ID : XXXX Item XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ID number : XXXX Says this transaction will appear on my statement as PAYPAL XXXX XXXX Now the phone number they supplied is disconnected. Email : XXXX Phone Number:XXXX Paypal allows scam artist all the time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 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 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 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I used the company cash app to pay for a pay of shoes from an online retailer the retailer stopped responding to me & blocked me and so I requested a Payment cancellation/refund via cash app this has been going on since XXXX, it was obviously a scam but cash app collects certain information such as email / bank card info and phone number in order to use the service I have made them aware of the fraudulent transaction and provided evidence they will do nothing they are allowing scammers to use their service with no consequence or accountability and therefore are complicit in the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out to Equifax about correcting my name. I first sent them a letter on XX/XX/2020 ( certificated mail number XXXX ) and again on XX/XX/2020. Equifax had several variation of the name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. Now my name is XXXX XXXX XXXX XXXX. There is no number 6 in my name. Because XXXX is such a common XXXX name, there are several of negative items on my account that are not mine. I have tried disputing it with them and asked them to verify it. But Equifax is refusing to correct update my name and remove the items. All my letters/requests were notarized for proof and submitted with an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
This company has failed to provide the proper validation of this account per the FDCPA. Also this company has failed to show that they are able to legally collect debts in my state. I have requested the said information from this company and they have failed to comply. This is my final attempt to handle this company independently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX. 

I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX. I do not remember working with XXXX XXXX. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is  showing an accurate depiction of my creditworthiness. 

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 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 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
TERMS : Free Checking Bundle Bonus : Get {$300.00} when you open a Free Checking account with {$50.00} minimum opening deposit and open a Savings account. Earn {$300.00} when you open a Free Checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening, ( 2 ) Enroll in eStatements, ( 3 ) Open a new savings account. 

Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met. 

- XX/XX/2020 : Opened 'Free Checking Bundle ' through First Citizens Bank website per the direct link provided via direct communication with the offer code and according to the terms of the promotion. {$1000.00} deposit to each of 'Free Checking '  account and 'e.Savings ' account. 

- XX/XX/2020 : Enrolled in eStatements. 

- XX/XX/XXXX - XX/XX/XXXX : Completed 10 debit card transactions within 90 days of account opening. 

- XX/XX/2020 : 120 days after all qualifiers have been met - {$300.00} has NOT been credited to the account.

Company response to consumer: Closed with explanation