vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The companies below I don't not recognize XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX ( XXXX  ) I've never done business with this company. I don't have a contract with this company. This company has stolen my identity or have my identity without my permission. I have provided a police report they are report negative, fraudulent, unauthorized items on my credit report. I have ask for proof with my Id, signature, Signature of company representative on a contract between the company and I. How much the debt has been sold. Proof that they are licensed and bonded to collect in my state ( Georgia ). Accounting history, proof that the debt haven't been written off, discharged, and filed as a lost with the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: IA

Complaint narrative:
XX/XX/2019 I have attempted for a week to put a security freeze on my Equifax credit reporting agency. I was able to put freezes on my credit reports easily by phone with XXXX  and XXXX. 
However, I have tried five times to call, and then attempted online but ran into numerous obstacles -- -it would not allow me to reset my password. I gave all my information on the phone and then it stated it could not resolve my request for a freeze on my credit report. 

This was after numerous emails back and forth to get a verificaton code, attempt to reset password. I attempted twice to put the security freeze on using telephone. 

I have now sent everything via mail and would like FTC to know so I can get my security freeze in a timely manner. this is ridiculous -- I want no more delays in this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: NJ

Complaint narrative:
Recently I've been applying for cash loans online I am a single working parent in a very tough financial situation and twice people have called me saying that I've been approved for loans, upon receipt of this information I was excited that I would be able to catch up on rent and also upcoming holiday expenses. One for {$6000.00} from a person claiming to be from XXXX XXXX on XX/XX/2019 and another today XX/XX/2019 for {$5000.00} from a person claiming to be from speedy Cash loan, speedy Cash loan sent me a PDF attachment today of a loan agreement complete with payment details, loan interest rates, ect. I was a little suspicious because of both asking me to give money before they would be able to deposit my loan. XXXX XXXX wanted me to go to XXXX to accept my money via XXXX since they couldn't deposit to my bank, in which case I would send them {$50.00} and they would give my deposit via XXXX. Speedy Cash loans agreed to deposit into my account but only after I could make a security deposit of XXXX, because my credit was low and I was a risk. So I looked into both of the supposed financial institutions, called both of their numbers and spoke to representatives of each company was told that neither one had offered or approved me for a loan. It was even illegal for Speedy Cash to do business with me since i was in New Jesey. They both had my banking account and routing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: IL

Complaint narrative:
Creditors have continually violated FCRA, FCDPA, and numerous consumer protection laws aswell as state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 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: IL

Complaint narrative:
Creditors have continually violated FCRA, FCDPA, and numerous consumer protection laws aswell as state laws.

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 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ATTENTIVELY REVIEW my formal writing composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infructuous behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.  FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTS ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.

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 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had sent in a check in regards to a payment towards my Cabelas credit. I sent In a check as a payment method. I then recently found out short afterward the payment was not received. As you can see I am a honest loyal person I pay my credit card on time. I am currently trying to buy a house but this is reflecting my credit. I am asking for this error to be fixed in the system and not reflect as non paid. I would greatly sincerely appreciate it and help me buy my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Following fraud discovery when Capital One issued cards under my account to two scammers in XXXX, our old account was closed and new cards were issued. On our XXXX bill, a scooter rental for {$10.00} was charged to our old card, and as per instructions on the reverse of the bill, I wrote to inform them that this was a fraudulent transaction. Capital One responded in a letter and claimed the charge was legitimate. I phoned a number for Capital One Fraud Department I had from my XXXX contact, and the agent resolved the problem. 

Due to this, we did not activate the new cards issued to us, deciding to wait until we found out if this matter WAS resolved. 

We received the XXXX bill and three fraudulent charges for XXXX XXXX downloads were listed on the bill under the account number we never activated. I phoned the Capital One Fraud Department demanding an answer. 

The third agent with whom I spoke claimed the reason for these charges was due to what she termed, " The Visa Automatic Billing Update. '' She explained that this is a service they do for XXXX when a new card number is issued. I stated, " That would never stop fraud. '' The agent stated, " Yes. '' We cancelled our Capital One account. She claimed that we may still get bills. She said that we will NEVER be issued a Capital One card ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2019-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: OK

Complaint narrative:
On XX/XX/2019 Tower Loan at XXXX XXXX XXXX XXXX XXXX  XXXX, Ok XXXX. XXXX. 

Manager XXXX called my job without Authorized my consent was asking why I was going to make a payment. I did explained to her I never authorized them to called me so pleas stop calling my phone. I did move to another office not sure where they know were I moved to, but I was very upset and embarrassed. I did give them information on why I couldn't make payment, due to no transpiration to there location, plus they didn't have debit to make payment. I was getting called on my phone saying if I don't call them I will get garnishment and they visit my home without my consent. I would like to file this complaint with fine.

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 2019-11-19 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: CA

Complaint narrative:
The credit repositories responded to my letter dated XX/XX/XXXX, & the documents I submitted both on their web site, or by fax, and through the CFPB. They stated I would receive a response to my concerns within 30 days from the date they receive my request. It is well beyond that time frame. 

As shown on the CFPB site, I requested a documented response containing the following : date of contact, the creditors contact information, the name of the person who verified the information, did they provide the credit bureau with my SSN, address, and DOB? 
Additionally, concerning XXXX XXXX, what information was provided allowing this company to report to the bureau 's " before '' the required 60-day grace period had ended after my Mortgage transferred from XXXX  XXXX XXXX, to XXXX XXXX XXXX? 

I also asked why the " accurate information '' provided by creditors, had not been removed on my request. The agencies must remove credit items already reported as closed after seven years of reporting, per the " California Bill of Rights. '' Instead I received a updated credit report dated XXXX without removing these items, or providing answers and proof to my requests. The back and forth of disputes began on XX/XX/XXXX and I am no closer now to accurate reporting than to their first response on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Citicard XXXX XXXX  XXXX XXXX XXXX XXXX. Citicard offers a {$120.00} XXXX XXXX XXXX  credit with this card when you spend over $ XXXX per year and pay an annual card fee. In XXXX I spent over {$31000.00} and paid my annual fee. In XXXX I have paid over {$20000.00} ytd. They are refusing to offer me the advertised benefit.

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 2019-11-19 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Ive talk to them several times on the phone Ive asked him to please remove it. 
Explain to them that this was not my doing I have paid it. Im trying to better my credit report. 
This would really help my credit score if they can remove it completely from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: OK

Complaint narrative:
Received a letter today, XX/XX/19 from XXXX XXXX  XXXX today, stating I tried to open an credit card account with them ; this is false. 

Performed an XXXX, most of my information is correct. 

Did notice there are several soft inquires for XXXX XXXX, XXXX and XXXX dated XX/XX/19. Started the process of placing a fraud alert on my account. They need verification, SOMETHING IS MISSING ON MY CURRENT, 20 MINUTE OLD REPORT. 
The website directed me to a 1888 to speak to an agent, he is looking for an account that is not on my credit report so I can't verify my identity with him. 

I'm trying to put a fraud alert in my account and he has more up-to-date info than I do, therefore my attempts to verify my account fail. Therefore, he can't help me. 

I'm thinking there is a account in my name that I did not open and it doesn't even show up on in my credit report but the agent has access to this knowledge??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been the victim of identity theft fraud, and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcies were fraudulently filed in my name. They have yet to delete any of the accounts, and the BK Filing. They are holding me hostage to a debt that I did not create. I have been disputing the fraudulent bankruptcies for over three years now, and still no changes. I need help assistance immediately.

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 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I applied for security service at XXXX XXXX XXXX XXXX XXXX, TX it was a temporary installation on a new construction that did NOT have a contract on. I spoke with the XXXX  representative that insured me that I did not have to sign a 3 to 5 year contract it was only a month to month. The rep did state that this was not the normal policy and that permission was granted from the supervisor. I canceled service in XX/XX/2019. XXXX  is currently trying to recover payment for early termination of contract. I've disputed this with XXXX XXXX  XXXX XXXX XXXX CORRESPONDENCE CANCELLATIONS TEAM XXXX. I have also requested a copy 's of both the docusign. The first one was not correct the second on XXXX refuses to give me. The licensed rep is XXXX XXXX XXXX. 1ST DOCUSIGN XXXX 2ND DOCUSIGN XXXX. The first docusign was voided. 

I would like XXXX and Credit Collections Services to cease and further collections on this account and bring my current collection account of XXXX to a balance of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
On XXXX XXXX and XXXX XXXX I sent letters to Gm Financial asking for copy 's of documentation related to the deficiency they claim I owe on a repossession. I never received the legal documentation that i requested so I sent a second letter requesting the same documentation. Their reply for the first and second letter was the same. They sent me a copy of a contract and a copy of a billing statement on both occasions. They also sent me two other letters which are included in my uploads. Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the  required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I have never received any of these legal notices and documents. On the account payment history that they sent me it states that this account was charged off in XXXX.I did not receive this in XXXX and I still have not received them in XXXX even after 2 written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy reports information from XX/XX/2013, however I was delinquent in the beginning of 2013. The 7 years of delinquency has done the damage already and I ask to remove them as this account is beyond the statue of limitations for first reported delinquency. This account needs to be off my reports please.

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 2019-11-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im looking for an apartment currently. Credit is a big deal with this. TransUnion has my credit score almost 40 points below the other two credit bureaus of XXXX and XXXX  and they are always the worst about accurately reporting and updating information without constantly calling Them and having Transunion help me and then telling people the same story and giving evidence and info over and over only to have the transunion service people reply without even hearing or understanding and have such non -English speaking customer service people answering phones they are reading out of book from overseas and have not helped me repeatedly fix their mistakes that negatively impact my life. What about a class action against this company for harm they cause reporting wrong things? This should be illegal. It wasnt my fault that there are so many mistakes on my transunion records and when they check with Snail slow speed no matter how many disputes they say they check and update none have been corrected but XXXX  fixes it and XXXX  too. Transunion has old student loans from grad school Shown on my report still like I didnt pay them today and I have not touched them in fifteen years and the the info they have about anther debt isnt even me but a relative in the hospital and its not me. I provided to transunion who my relative was and the info and They had the paperwork, they still have not corrected it although i think it got sent weeks ago. XXXX  and XXXX  fixes the problems but not Transunion. For me, for two more weeks they still haven'tj corrected errors. Why do consumers have to put up with transunion and why does any one out there go ahead and just ban them or find out why they are so less accurate then the other credit bureaus? how to stop transunion hurting peoples chances for a better life and less expensive decisions They need to be shut down. Shut down Transunion

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 2019-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CO

Complaint narrative:
Square cash ( cash app ) ubruptly closed my account two months ago.I have XXXX dollars in that app that they will not let me cash out. I have emailed them 8 times with absolutely no response whatsoever.

Company response to consumer: Closed with explanation