vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-17 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: VA

Complaint narrative:
Experian told me that my security questions were incorrect and that they were based on a third party website when I tried to have my fathers name removed from my credit record. I called on XXXX/2017 at approximately XXXX XXXX. I was told that they could not provide a reference number for my request because the answers, including my mothers maiden name were incorrect based on data from a third party website. I asked to speak to a manager. They said that was not possible because of call volume but that they would call back. 

Someone whos caller ID showed as XXXX XXXX XXXX, XXXX called back at approximately XXXX XXXX. I have no accounts with XXXX. I was told that I had an  existing relationship with a membership service with Experian. THe caller still refused to provide a reference number for the request. This request was initiated at XXXX. I was informed throughout the entire process that the calls were being recorded. They should have those records. 

I wish to have the incorrect name removed from my credit record and to have Experian be required to provide reference numbers for transactions when their own website requires you to call them because they can not /will not process them on-line. This is a consumer rights catastrophe if you allow the credit reporting agencies to treat their unwilling targets in this way. With all of the problems that have occurred with XXXX, it is very disconcerting to have one of the alternative credit reporting agencies also fail spectacularly.

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 2017-09-17 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: TX

Complaint narrative:
The Equifax website regarding their data breach on XX/XX/2017 does n't function properly. I get difference answers about whether my data has been compromised or not when I check at different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: NJ

Complaint narrative:
When I logged in to my Equifax account, I received a message to contact Equifax 's customer service as a result of my attempt to confirm whether my credit freeze had become effective. I called customer service on XXXX XXXX, 2017 at approximately XXXX XXXX, and was in their queue for just over three hours, which was twenty minutes after their customer service department closed down. During that time, in their recorded message, they had the nerve to try to cross-sell their products, and never mentioned that their customer service hours had ended. 

Considering the exposure this company has put me in, I would expect they would be more proactive in helping consumers, such as me, to make sure we are protected. Apparently they do not agree with me. I have never had to wait like this. Their solution is for me to submit something in writing and they would respond within 48 hours. As a senior, I 'm not willing to wait that amount of time while the confidentiality of my personal information has been compromised and being exposed to identity theft and fraud. 

They should be thoroughly investigated for their inadequate business practices and be held responsible for their actions ( and inactions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: TX

Complaint narrative:
Due to the recent security breach at Equifax, I attempted to take advantage of their very limited free credit freeze offer. When I submitted my information via the website, I received a message indicating that my credit report could not be frozen online and that I would have to submit a variety of sensitive documentation via mail in order to freeze it. 

However, it appears that the Equifax system DID indeed freeze my report. However, what the company did not do was provide me with the PIN number to subsequently unfreeze ( permanently or temporarily ) the report. Again, at the time I attempted to freeze my credit report online, I was informed by Equifax that the attempt was not successful and would have to be done by mail. 

Contacting Equifax now to have the PIN provided or reset has proven unsuccessful, and I was told by a representative that I would have to pay {$10.00} and provide sensitive information via mail to receive a replacement PIN. I am requesting that Equifax reset the PIN number for free, as this entire debacle is due to not one, but two failures entirely on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Clarkson Law Firm, LLC
State: SC

Complaint narrative:
We made an agreement but they had a change of address and moved and did not notify me. So I was still sending my money order to this scam company and now they send me a letter saying that I am going to jail because I did not pay. I called them an told them my mail was coming back to me that I mailed them and the man that answer the phone told me resend it and I did. Now they sent me a threaten letter saying I am going to jail due to non payments. The company is XXXX and XXXX phone number is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: CA

Complaint narrative:
Equifax security breach exposed my social security number and account information which is sadly floating around on the web and will be for the rest of my life. 

I attempted to call equifax to place a 90 day fraud alert but could n't get through. I repeatedly tried, including the online service and was unable because of server problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Today, my husband and I received a notice from our bank we were overdrawn, since we were paid 24hrs ago we logged onto our online bank to see that there was an {$18000.00} withdrawal. We called our bank, they said midland credit management took our money. We immediately froze our account and called this company. We of course refused to give our SS #. Which they were very upset about. After some digging, our names are not on their list of people that owe them . So I demand to speak to a manager to which I 'm told no they are busy and I 'm hung up on. Every attempt to call back is unresolved. Each dept I reach says hey ca n't help us. We want to know why they took our money when we are n't in debt, not are we involved with any debt collectors as we are current on any debt we have

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian will not allow me to freeze my credit report and will not specify a reason. Given the recent hack of XXXX, this is unbelievably frustrating. Additionally, the company will not provide a customer service number, so I am unable to speak with someone directly.

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 2017-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An account that was designated for my retirement located at the company named XXXX changed addresses and I was never notified, and then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX JP Morgan Chase bank cashed forged checks in amount of {$5000.00}, {$5000.00}, {$10000.00} and {$10000.00} respectively. Each of these checks were never authorized by myself and were deposited to an account not opened by myself. I was never aware or designated the funds to be disbursed from this account. I was not notified of these disbursements until federal and state penalties were incurred through the IRS when my tax preparation occurred. 

My identity was stolen and these transactions were based on fraudulent terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
Is any way can resend me letter debt. So I can pay right way? I need to know why my credit score went down from XXXX? I have already paid this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
I have no idea of what this company does. I XXXX the company and it 's a tanning salon. I have no knowledge of this. This is identity fraud. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of identity theft and had over XXXX inquiries added to my report in an attempt to obtain credit in my name .I contaced transunion and made them aware of the situation, I also provided a police report and a copy of my license and social security card as they requested and the inquiries still remain on my 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 explanation
Consumer complaint received 2017-09-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Issue started after a purchase made on XXXX/XXXX/XXXX was returned on XXXX/XXXX/XXXX and the refund of {$750.00} was not applied. I have called American Express several times & spent many hours explaining to supervisors and was assured that it was corrected only to find out that the next statement did not resolve the issue. I have requested in writing since XXXX XXXX for an explanation. I have found out that funds were being transferred from one account to another to resolve the issue. I was not given any disclosures regarding these accounts. More recently, on theirXX/XX/XXXX letter to me they provided for the first time a better explanation of how payments were applied. However, the amount due was incorrect. On XXXX XXXX & then again on XXXX XXXX, XXXX, I sent them another letter disputing the amount due and to correct the amount due. Due to my dissatisfaction of how my account has been treated I also requested for information regarding terms and conditions if I decide to cancel my American Express card. I have not utilized this card for over a year due to the issues. Not only has American Express initiated cancellation as stated on their letter to me on XXXX XXXX, XXXX but they also did not correct the amount due and as a result my account is past due. I have never been late with this card. As stated in previous communications by American Express to me, while the matter is under investigation, I am not responsible for the amount due. However, at this time, they are disregarding this and my account is considered past due. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
went to use my Chase/XXXX credit card and found out the limit was cut without any prior notice. I have two credit cards with Chase and have never missed a payment in over 7 years since the inception and on one of the cards I pay the balance monthly and do not carry a balance. On the other card - I carry a balance that is about 60 % of the limit and always on time as I mentioned and now they cut the credit limit to the balance I owe, which will now hurt my credit score as it appears I am using 100 % of my limit and jeopardizing my whole credit situation/profile as I can not pay that debt in full or down to an acceptable limit and the 'lending department ' had no clear answer and I have to call back repeatedly. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: GA

Complaint narrative:
this company is currently reporting 6 accounts that either do not belong to me, have inaccuarate balances aand are a result of identity theft .These accounts were removed previuosly after an investigation and have been plaaced back on my credit .I do not have an account with XXXX and they are reporting two accounts on my credit that do not belong to me .XXXX is reporting a balance that is inaccuarate and I have sent proff to equifax of the correct balance determined by a judgement in court for less than half of what is being reported.XXXX XXXX has been paid off and the two medical accounts with XXXX  were paid by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting a tax lien that fails to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XX/XX/XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.

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 2017-09-17 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: GA

Complaint narrative:
this company is currently reporting several accounts on my credit report that are closed and deleted .I have requested that they be removed months ago and they are still being reported.

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 2017-09-17 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ms. XXXX Mail Equifax XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent four ( 4 ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 
These accounts are XXXX XXXX Acct # XXXX, XXXX-XXXX Acct # XXXX, DOCUMENTS ATTACHED!! I 've had contact with these companies and you are in direct violation, as pertains to the XXXX account you 'll see the conversation with them ... .. I DO NOT HAVE A XXXX ACCOUNT! 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, Ms. for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
I anticipate your response. 

Sincerely, XXXX XXXX XXXX XXXX Last XXXX DOB-XX/XX/XXXX Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: LEXISNEXIS
State: GA

Complaint narrative:
this company is reporting inaccuarate and unverified information about me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: CORELOGIC INC
State: GA

Complaint narrative:
this company is reporting inaccuarate and unverified information about 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 2017-09-17 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: ID Analytics, Inc.
State: GA

Complaint narrative:
this company is reporting inaccuarate and unverified information about 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 2017-09-17 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: CA

Complaint narrative:
Credit Bureaus are reporting a tax liens that fail to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: CA

Complaint narrative:
Credit Bureaus are reporting a tax liens that fail to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.

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 2017-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: KY

Complaint narrative:
I returned a call and spoke with a young lady who had an attitude with me. I have the call recorded. 

I asked her who the creditor was and she refused to tell me and kept asking for personal information. 

I did not feel comfortable giving information to a random person who could n't tell me who they were collecting for. It 's not uncommon for people to phish information out of others to steal an identity. 

All I needed to was who the creditor was to verify she was who she said she was. 

I talked to her 5 minutes til XXXX Friday night and by Saturday night it was on my credit. 

I have received XXXX communication and I feel she did this maliciously. She said " I guess I ca n't help yaaaaaaaa ''

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