vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/2019 I was instructed to contact Experian Credit Bureau by my mortgage lender and either update the fraud alert with my cell phone number XXXX or in the alternative have the fraud alert removed before we can close on my VA Mortgage. I have contacted Experian by Phone several times and they allege they cant validate my identity over the phone. I have uploaded a copy of my Drivers License, Social Security Card, Written request form, and a current utility billing statement to their website and also followed that up by mail. To date I have not been provided the relief requested and the Credit Report still has a fraud alert without my cell phone number attached. I want the alert updated to include my cell phone number or in the alternative removed in its entirety.

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 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
They continue to freeze items as fraud then texting me at XXXX XXXX to confirm its mine, which i'm obviously asleep and not responding during their time frame. I thought under the TCF you can't contact consumers at XXXX XXXX  in the morning. They've also frozen wires and stated they've tried to contact me, which they didn't in any form. So as retaliation the next freeze resulted in the XXXX XXXX text message.

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 2019-08-01 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: WA

Complaint narrative:
Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX XXXXXXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX  XXXX - I am not late on the month it shows on the report 4. ) XXXX XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not 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 2019-08-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX  XXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX  XXXX - I am not late on the month it shows on the report 4. ) XXXX XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not 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 2019-08-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance on my Experian and XXXX credit report:XXXX  XXXX****, XXXX XXXX XXXX XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****--- I have never been late on these accounts. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances.? XXXX  have remove this debt why is Experian and XXXX  not complying!!!

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 2019-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
I was the victim of identity theft and when going through my credit history saw an inquiry. I called them to see if an account had been created and the first representative practically refused to help me. I explained to her several times the reason all the details didn't match was because I was the victim of identity theft. Where the other banks/credit card companies had been very respectful and helpful she was rude and implied I was up to something. Her supervisor acted similarly. They also refused to tell me details about the loan ( e.g. how much ) and said they would not even flag this account until the forms were received ( on my next call they said it was flagged it and the account had not been approved - leaving me unsure of what the truth is ). The forms are not secured online. They are pdfs they require to be emailed to a generic contact email address that the entire organization uses. This is my only option to get the account cleared, yet I have to expose my personal information and make myself vulnerable to a secondary attack to get it cleared. It seems dangerous, cruel, and unfair. Every other bank was able to make this go away in a few clicks rather than make me vulnerable to a secondary attack. I was also told that they do not have a fraud department that the email just goes to a customer service rep. This is concerning since they are an online bank only and would be more likely target for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX/XXXX XXXX BRANCH XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I XXXX XXXX just recently checked my XXXX   credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX  with a parent company of XXXX XXXX XXXX. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name Sequin Asset Solution then. Same account number and same alleged original debtor_XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Manhattan Beach Venture, LLC
State: RI

Complaint narrative:
On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for equitable acceptance whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
In XX/XX/XXXX XXXX credit card services experienced a system data breach. My credit card account was one of many accounts hacked, and fraudulent charges were made on my account. XX/XX/XXXX closed my account, and I was told, I owed nothing, because of the fraud. XX/XX/XXXX eventually sold this account, as junk debt to Midland Funding, LLC. In XX/XX/XXXX, I began receiving notice via U.S. postal mail collection letters from Midland Funding, LLC, demanding payment of the $XXXX balance, that was cancelled by XXXX XXXX, because of the fraudulent activity. I explained to Midland Funding, LLC representatives, that I did not owe the balance, due to the fraudulent activity, that XXXX closed the account, and waived the balance due to fraud. Midland funding, LLC went through a local small court to get a Default judgement on the account in XXXX XXXX. I sent Midland Funding, LLC a cease and desist communication notice with respect to the debt, because I did not owe the debt, and was not going to pay.In XX/XX/XXXX, the Consumer Financial Protection Bureau, entered into a consent order with Encore Capital, which Midland Funding, LLC, is a mentioned subsidiary of Encore Capital in the consent order, which required Encore Capital, and it's subsidiaries to refund payments, or stop collection efforts on credit card accounts, that were disputed by target debtors, and subject to illegal debt collection tactics.Midland funding, LLC is still using illegal and deceptive collection tactics to try and collect this debt under the default judgement from XX/XX/XXXX. Midland Funding, is underhandedly using employment, and payroll services like XX/XX/XXXX/ XXXX XXXX XXXX, to find my current employer, and use underhanded, as well as questionable tactics to implement payroll garnishment of my wages. The amount Midland Funding, LLC, is now trying to collect $ XXXX based on the XX/XX/XXXX, default judgement on this account. This is totally wrong. I do not want to have to file bankruptcy, just because of a breached data system account, that incurred fraudulent activity, because of the data breach, that XXXX   XXXX dismissed because of the fraudulent activity. I definitely, can not afford a wage garnishment of 25% of my disposable wages, which would force me to file bankruptcy, the stop a garnishment. I need your help, in getting Encore Capital / Midland Funding, LLC to abide by the consent order, which required them to refund payments, and cease collection efforts on these disputed credit card accounts, using illegal debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: WA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance on my XXXX and Transunion credit report:XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX--- I have never been late on these accounts. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances.? XXXX have remove this debt why is XXXX and Transunion not complying!!!

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 2019-08-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I receive an email from Experian saying I was matched with a " cash-back card '', they didn't say that my odds to be approved are good, no, they match me with a card. 
After I apply with this matched card, I receive the denial from this card company. 
I contacted Experian and they told me they never " match '' me with any card ( even when I have the email from them saying it ) instead they " suggest '' my odds " could '' be high applying for this card. 
On XX/XX/2019 Experian report the first inquiry to my credit and decrease my credit score 2 points. 
On XX/XX/2019 Experian report the second inquiry from XXXX and this time lower my credit score for 19 painful points.

21 points total for following Experian advice. 

XXXX  and XXXX never lower my credit score for this inquiry from this credit card company. 

On XX/XX/2019 one of my credit card increases the limit of my card from {$500.00} to {$800.00}. 
XXXX increases the credit score for 7 points on XX/XX/2019. 
XXXX increases the credit score for 5 points on XX/XX/2019. 

Experian increases the credit score for 1 point on XX/XX/2019. 

Rules are not the same, practices not equals. 
I truly understand that Experian is damaging my credit history intentionally. 
And I am a paid customer of Experian, with a monthly subscription of {$19.00}. 

Please review all the data and advice me, I only look for fairness. 
Obviously, I will never follow again Experian advice on credit cards, but look like they " MATCH '' everybody only with the intention to collect their commission, but I am a paid customer, they should take care of me. 

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 explanation
Consumer complaint received 2019-08-01 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: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with Experian and XXXX in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. I requested proof of ownership was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of 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 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with XXXX and Transunion in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. I requested proof of ownership was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of 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 2019-08-01 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: NC

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries because these are suspicious. 

XXXX, XXXX, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: PA

Complaint narrative:
I had a credit card charge off inXX/XX/XXXX with XXXX XXXX XXXX. I paid a settlement of XXXX to XXXX XXXX in XX/XX/2019to clear all balances and to have it removed from my credit report. InXX/XX/XXXX of XX/XX/XXXX they began reporting that I have a late payment which hurt my score. For the last 2 months I have sent receipts and proof that I paid this balance but its been reported to Experian for XXXX as well that I am delinquent when I am not.

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 2019-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Equitable Acceptance Corp
State: RI

Complaint narrative:
On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from XXXX XXXX XXXX XXXX stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for equitable acceptance whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
In 2016, my son went to XXXX XXXX XXXX in XXXX, CA and was given a vehicle loan. On XX/XX/XXXX, there were papers to lien my payroll checks for a loan with Lobel Financial. 

I have never applied with my son to buy a vehicle. My credit has never been good enough to sign a loan with anyone. I currently have a 28 % interest loan due to my credit score. 

The used auto company used my information to provide a loan for my sons vehicle fraudulently. 

Throughout this loan and during collection proceedings I was never notified in any way. The documents have an address in XXXX, CA and I lived in XXXX, CA for over 10 years. My drivers license has been attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation