vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 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:
I am a victim of identity theft. My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. I am a victim of identity theft.

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 2019-12-05 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: NV

Complaint narrative:
Experian does not report 2 credit card accounts I have had for years. account ending In : XXXX and account ending In:XXXX Experian deleted my accounts that I have with XXXX XXXX XXXX . I have not ask or requested to Experian to delete my accounts that are active. It seems I had this problem with Experian before with this same issue.

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 2019-12-05 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: PA

Complaint narrative:
My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. I have the right to have this information removed due to the fact that i am a victim of identity theft.

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 2019-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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:
About 4 months ago i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services. I have no idea who could have stole my identity but i am being seriously affected negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: Clarity Services
State: AZ

Complaint narrative:
I have placed a Freeze on my Credit Report with Clarity Services, XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX, phone : ( XXXX ) XXXX. 

On XX/XX/2019 I was notified by XXXX XXXX XXXX c/o XXXX.XXXX XXXX XXXX that according with Clarity Services credit report released from their files, my application for a loan could not be approved. 

I am very upset about Clarity Services for not enforcing my request to Freeze my account as previously requested. Clarity Services released a negative report. 

I have my credit report open with 3 credit report bureaus and I don't permit other credit report services such as, Clarity Services, to release my credit information. 

For the record, there is no any negative information about my financial records. I have been approved by other lenders. Consequently, Clarity Services action is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: NC

Complaint narrative:
4 months ago i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent 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 2019-12-05 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I had my personal financial data comprised by Experian. So I placed a credit freeze on my credit report on XXXX. Paid {$10.00}. Enrolled in its IDnotify  program on XXXX. I received notice in XX/XX/XXXX that my XXXX was being canceled. Then I got a notice that my credit report would be unlocked because my IDnotify was expiring. What is the difference between these programs, if any? When I went to the Experian web site now, in XX/XX/XXXX, I had to sign up to pay {$9.00} per month to have my credit report locked. I don't want to be a victim of identity theft because Experian was hacked so I signed up to lock my report. I am a trademark and copyright lawyer and am very familiar with false and deceptive advertising. That is what Experian is doing. It is misleading consumers and confusing them and scaring them into paying Experian to protect their personal financial information. I am the PRODUCT Experian is selling - my financial data is the PRODUCT it sells. Experian does not clearly explain the difference between a credit freeze and a credit lock, or what is covered in its different protection programs, and what you are getting when you pay Experian {$9.00} per month. This is a rip-off of consumers. Experian is profiting from the companies that purchase the financial data of ordinary consumers ( such as myself ) AND profiting from consumers whose data they allowed to be compromised by not protecting their database from hackers. This is illegal and wrong, in my opinion. I should be able to freeze and lock ( or whatever term Experian  chooses to use ) my credit report at no charge to me - because Experian created this problem, not 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 2019-12-05 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: NC

Complaint narrative:
i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I  recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services. I have no idea who could have stole my identity but i am being seriously affected negatively.

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 2019-12-05 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:
I was recently made aware of fraudulent information being reported on my credit report. After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These two closed fraudulent accounts XXXX XXXX # XXXX & XXXX XXXX XXXX   XXXX # XXXX keep reporting on my Equifax credit report, which i have disputed Eight times already with Equifax, i keep requesting that they remove these fraudulent accounts from my credit report. I sent all Three Credit Bureaus a Police Report back on XX/XX/2019. Concerning these two Fraudulent accounts, I also requested That XXXX XXXX & XXXX XXXX XXXX XXXX provide Me/Equifax Proof of the original contractual agreement and proper Documentation proving ownership concerning these Fraudulent Accounts in my name, which i have not received any information or proof of Documentation concerning these Fraudulent accounts thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to have them Deleted from reporting on my Crdit Report and they have not Removed them yet ... XXXX   and XXXX have deleted these same accounts from reporting on my credit report, I am writing and submitting this complaint for these Fraudulent Accounts to be removed from my Equifax Credit Report Asap. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I pay my credit card balances monthly, in XXXX of this year ( 2019 ) I inadvertently paid the wrong credit card, in the amount of {$1100.00}. When I discovered the error I immediately called Sears ( who handles this MasterCard ), they refused to reverse the payment and started asking me for my bank account information ( as if I am going to give that to a stranger over the phone ). I asked them to then send me a refund, they refused to send me a refund immediately but said I would automatically receive my refund in 60 days and that this was the only option if I failed to give them my personal bank account information. It has now going on 5 months since this happened, I called again over a week ago and was told I would have my money in 7-10 days, and once again I have received nothing. I feel that they now owe me interest, they have almost {$1200.00} of my money! I am furious. I also requested that due to the fact that they never returned my money it should be sent overnight to me, which they refused. The person I spoke to the second time was XXXX in Idaho, Team 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 monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: KY

Complaint narrative:
I received a debt collection letter in the mail written on XX/XX/XXXX by Linebarger Goggan Blair & Sampson, LLP. This letter claimed that I owed {$42.00} for a parking ticket dated on XX/XX/XXXX. I never received a parking ticket on XX/XX/XXXX so I wrote back a dispute letter on XX/XX/XXXX stating that I never received a parking ticket on that date and that I wanted proper validation from Linebarger Goggan Blair & Sampson, LLP proving that the debt was truly mine ( USPS Certified Mail Return Receipt proves that Linebarger Goggan Blair & Sampson, LLP received my dispute letter on XX/XX/XXXX ). I did not receive a response letter from Linebarger Goggan Blair & Sampson, LLP until XX/XX/XXXX stating that XXXX XXXX XXXX Parking Violation Collection was the original creditor. They also sent me two pictures, one of a license plate number and one that was blurry and indistinguishable. They claim that this is a picture of my license plate and of my dash without a parking receipt. The license plate picture they sent me does not match the number of the documentation they sent me. The license plate does not belong to me nor has it ever belonged to me. Upon further investigation I found that the license plate photo they sent me belongs to XXXX XXXX XXXX with vin # XXXX. I have never owned this vehicle nor have I ever driven this vehicle thus it is impossible for this alleged ticket to belong to me. I sent back a letter on XX/XX/XXXX demanding that Linebarger Goggan Blair & Sampson, LLP cease and desist all collection activities and that if they fail to do so I will sue them for breaking the Fair Credit Reporting Act Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: CA

Complaint narrative:
TRIED TO REQUEST MY TRANSUNION CREDIT REPORT ONLINE AND IT FIRST SHOWED THAT MY INFORMATION WAS NOT ACCURATE AND IT COULD NOT GENERATE MY CREDIT REPORT. I TRIED A SECOND TIME AND IT SHOWED THAT I HAD ALREADY REQUESTED MY CREDIT REPORT AND COULD NO LONGER REQUEST IT UNTIL NEXT YEAR. 

FOR XXXX  AN ERROR MESSAGE POPPED UP THAT READ : Error code XXXX This request was blocked by the security rules XXXX XXXX XXXX Your XXXX XXXX ( ID XXXX ) Incident ID : XXXX IT DID NOT ALLOW ME TO EVEN REQUEST THE CREDIT REPORT. 

FOR BOTH COMPANIES I CALLED THE XXXX XXXX XXXX PHONE LINE AND REQUEST THROUGH THE PHONE PROCESS, REQUESTED BOTH TRANSUNION AND XXXX, HAVE NOT RECEIVED CREDIT REPORT BY MAIL EITHER.

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 2019-12-05 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: NC

Complaint narrative:
After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and 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 2019-12-05 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:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-05 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: NC

Complaint narrative:
I was recently made aware of fraudulent information being reported on my credit report. After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and 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 non-monetary relief
Consumer complaint received 2019-12-05 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:
TRIED TO REQUEST MY XXXX  CREDIT REPORT ONLINE AND IT FIRST SHOWED THAT MY INFORMATION WAS NOT ACCURATE AND IT COULD NOT GENERATE MY CREDIT REPORT. I TRIED A SECOND TIME AND IT SHOWED THAT I HAD ALREADY REQUESTED MY CREDIT REPORT AND COULD NO LONGER REQUEST IT UNTIL NEXT YEAR. 

FOR EXPERIAN AN ERROR MESSAGE POPPED UP THAT READ : Error code XXXX This request was blocked by the security rules XXXX XXXX XXXX Your XXXX XXXX ( ID XXXX ) Incident ID : XXXX IT DID NOT ALLOW ME TO EVEN REQUEST THE CREDIT REPORT. 

FOR BOTH COMPANIES I CALLED THE XXXX XXXX XXXX PHONE LINE AND REQUEST THROUGH THE PHONE PROCESS, XXXX BOTH XXXX  AND EXPERIAN, HAVE NOT RECEIVED CREDIT REPORT BY MAIL EITHER.

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 2019-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 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:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Attempted to contact on XX/XX/XXXX to get information regarding original debt. I was told this was debt from another debt collection company and they didnt have that info. This was told to me by XXXX when I called Collection Bureaux of America. She stated that the date of credit was in XX/XX/2015. We looked back through all bills and we did not apply for any credit that would have gone unpaid or to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: NV

Complaint narrative:
XXXX XXXX XXXX  card is not showing on my Experian credit report in which I have 2 accounts with XXXX XXXX XXXX Cards Ending : XXXX & XXXX not reporting on my Experian 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 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I do not acknowledge such debt. ollection letter does not include any dates of service or details of the services I allegedClly owe. This appear to be on regards to my ex dentist from who I dont receive services from more than a year ago and in every visit i had paid off the amounts owed for the services received at Dr. XXXX XXXX office. I have never received a notification from XXXX XXXX XXXX even via mail or phone informing on ahy balance pending.

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