vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX XXXX  ( XX/XX/XXXX2018 XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

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 2020-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I tryied to log in on my account an everytime I try to log in it tells me my username an password doesnt match an I have all of my incomtax an stimulus check money on there I have been trying to contact bluebird by American Express for a two weeks now an i stay on the phone for 11 hrs at a time an I get no answer they are doing me very wrong I have a lot of my money on there an I cant access none of it please help they need to answer the phone at customer service its like they packed up an left Im broke an need my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent Transunion, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was approved for Discover credit card as my credit score was pulled on XX/XX/2020. My credit score was XXXX and I was qualified for a {$7500.00} dollar credit limit and I had received this information in the mail from Discover. I also received my credit card in the mail with my name on it at the same time. However, I was asked to fill out a form for Discover to get an copy of my tax forms. I filled this form out online and I have told Discover over and over, since then that I do not file taxes as I live on XXXX. I asked them over the phone in ( recorded call ) to verify my income another way, but they have refused to do so. My income is sufficient for the credit card but they are not letting me use my credit card, due to I dont file tax returns. I am not obligated to file income tax returns. They have repeatedly asked me to submit the same form over and over to the irs to prove my income. I had called Discover on the date of XX/XX/2020 for 3 different phone calls for an total of 33 minutes. I have wasted my time with Discover on the date of XX/XX/2020. On XX/XX/2020 I received the same form in the mail to fill out for taxes that I filled out online over 2 weeks ago. They are discriminating against my XXXX by not allowing me to have the Discover card that I was already approved for to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Innovis
State: OH

Complaint narrative:
My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: LEXISNEXIS
State: OH

Complaint narrative:
My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was homeless I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent Transunion, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX XXXX/XXXX-XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

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 2020-04-14 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:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

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 2020-04-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was XXXX  I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. XXXX, transunion, 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 2020-04-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was XXXX  I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. XXXX, XXXX, Experian.

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 2020-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, Equifax, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX/XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MS

Complaint narrative:
We asked for a forebearance due to pandemic. Caliber sent paperwork saying that the entire forbearance amount would be due at end of forbearance. If the amount of forbearance was not paid they would increase interest rate and/ or start foreclosure proceedings. 
Caliber has had several civil law suits for illegal mortgage activity. 
We have an immense issue with our current mortgage which I WILL submit when all paperwork and text are copied. 
Caliber is very difficult to deal with and takes no responsibility for fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: AE

Complaint narrative:
For years, XXXX  adds collections account to my credit report for medical bills that do not belong to me. I am in the XXXX and I received medical care in the XXXX base through XXXX. I am station in XXXX and I have not reside in California in years. California is where the original creditor is located. These are collections from different collection agencies, such as Medical Data Systems INC, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 

This has been ongoing, and every time a collection account appears in my credit report I dispute it and it gets removed. However since the last two years, I have had issues with getting them remove. The results from Experian come back as the account is verified and remains in my credit report. 

This happen last month, and three accounts came back as staying in my credit report. I had to call Experian to be able to dispute them again and I also contacted the collection agencies, Medical Data Systems INC, and CMRE via phone. Apparently, my social security, matches someone else 's who is using it for medical care. However, DOB, Name, and address are different. I provided a copy of my credit report, a copy of my Social Security Card, a copy of a FTC report, and a copy of a police report. Two of the accounts were removed but the following account still remained : Medical Data Systems INC for {$5300.00}. My last contact was a phone call in XX/XX/XXXX, where I was told the Supervisor was not in the office and I needed to call later, and emails sent to them on XX/XX/XXXX and another on XX/XX/XXXX following up, without receiving a response. 

Because this continues to happen through the years and through different collection agencies, I believe the problem is the original creditor. Which seems to be always XXXX XXXX XXXX, which includes XXXX XXXX XXXX XXXX which also shows in some of the accounts. I requested a copy of medical records to XXXX XXXX XXXX, and I receive a letter from the records custodian saying that there are no records in my name. 

This situation has become extremely frustrating because I am in the military and I can lose my military clearance for having collection accounts in my records. Other, than this, my credit report is excellent. I have no issues with XXXX  or XXXX, only with XXXX, but unfortunately, this is what most creditors used when evaluating your credit report. I was recently deny credit because of this, and it is frustrating and embarrassing because good credit is always one of my priorities. 

I need help ensuring, this remaining collection account is removed from my report, but more importantly to ensure that this does not happens again. I have deal with it for years, and I am exhausted. 

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I was charged XXXX by a Third party vendor for a device and service. The device was defective and the service unusable. I went back to the store on XX/XX/2020 and asked for a refund as the company has a 7 day money back guarantee. 
I was refused a refund and instead told there was nothing they could do and they did not have a return policy. After speaking to several other locations I learned that specific location is not following practices and rules put in place by their corporate office. 
On XX/XX/2020 I filed a dispute with Chase as the location had sold me a defective device with unausable service and was refusing to honor their money back policy. This is a common way they scam customers. I gave Chase detailed information about the situation and recieved a credit for the amount disputed. 
On XX/XX/2020 I recieved a statement from Chase claiming that after their research they have concluded the charge is correct and the retailer is not at fault and are now charging me for the disputed amount of XXXX. I had to pay more to switch companies in order to have working service and also had to pay for a new device.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CA

Complaint narrative:
Ive disputed with XXXX XXXX, XXXX  and Experian. I even have the letter of resolve from XXXX XXXX saying that the loan Does not belong to me but all there entities have not removed the account. The account XXXX in the amount of {$4700.00}. This has impacted my life so much and its hard to get my life back on track. I just want them to remove it from my credit Now! I last contacted them XX/XX/20 and they claim its reported correctly. I want this removed its wrongly reported and I've done what was expected of me to have it remove. They need to take care of this.

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