vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have closed accounts through a bankruptcy which the amount still appears on the report as well as the name of the creditor. I have asked several times sent certified mail asking for removal. Transunion states they do not have information for contacting me yet they sent credit freeze information to the address. I also stated that they are all obligations of the United States and they are committing identity theft as well. I gave them the following code : TITLE 18CRIMES AND CRIMINAL PROCEDURE This title was enacted by act XX/XX/1948, ch. 645, 1, 62 Stat. 683 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 
XXXX XX/XX/1948, ch. 645, 62 Stat. 685. ) Transunion still kept the accounts open and lowered my score as well. I will be filing a police report as well. I also did not give permission to have my information displayed or shared with them or any other 3rd party creditor. They have violated permissible purposes Title 15 1681b and 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ;. Transunion never validated the debt. I want Transunion to remove the debt and increase my credit score within the next 5 days or I will pursue Civil Liability. 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 2021-01-20 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received a letter from California Business Bureau back in XX/XX/2020 requesting a payment of {$300.00} and change. I contacted them and escalated the matter to a XXXX by the name of XXXX XXXX to explain to her that this charge is wrong, unauthorized, and I have the proof from the doctor at XXXX who was trying to help me resolve it ( attached ). Ms. XXXX asked me to send her the proofs which I did in my email dated XXXX ( attached ) to look into this matter. On XXXX I got a notification from my credit bureau that there's a collection on my bureau ( attached ) and my credit score dropped by 80 points. I called California Business Bureau left multiple unanswered messages to Ms. XXXX today XXXX. Finally they transferred me to Ms. XXXX XXXX. She acknowledged having received my dispute and documents back in XXXX, and acknowledged that they have not sent me any form of communication in response ( no email, mail, phone call, text message ... nothing ). They did not even try to collect the money since then. Instead they went straight to the bureau and ruined my credit. She offered to make a payment and she would " remove the collection from my bureau '' to " help me ''. I didn't trust that this is possible, I was willing to pay something I don't owe for them to restore my credit. I felt helpless. I asked multiple times why didn't anyone send me any communication in response to the dispute since XX/XX/2020? No explanation given other than " it's your credit sir ''. This is too much power that no-one should have over any person. I am glad to find that I do have a recourse by filing this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have closed accounts through a bankruptcy which the amount still appears on the report as well as the name of the creditor. I have asked several times sent certified mail asking for removal. Equifax states they do not have information for contacting me yet they sent credit freeze information to the address. I also stated that they are all obligations of the United States and they are committing identity theft as well. I gave them the following code : TITLE 18CRIMES AND CRIMINAL PROCEDURE This title was enacted by act XX/XX/1948, ch. 645, 1, 62 Stat. 683 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 
XXXX XX/XX/1948, ch. 645, 62 Stat. 685. ) Equifax still kept the accounts open and lowered my score as well. I will be filing a police report as well. I also did not give permission to have my information displayed or shared with them or any other 3rd party creditor. They have violated permissible purposes Title 15 1681b and 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ;. Equifax never validated the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MECHANICS BANK
State: CA

Complaint narrative:
Mechanics Bank formerly Rabobank consistently and constantly applies our monthly payments incorrectly. Causing us stress as well as unnecessary late fees & penalties. We are continually on time monthly with our payments. 
We recently submitted a complaint and got a very professional letter and phone call of apologies ; expressing that it was done in error on their part and that it would be corrected and NOT happen again. That was incorrect. They continue to apply our monthly payments incorrect, assess fees and penalties to our account and report us negatively to all the credit bureaus. 
This has been in fact happening since 2011 at which point they put us into foreclosure did not rectify the situation we ended up paying XXXX for their errors/mistakes to get our home out of the foreclosure process. 
Each time I call this institution to clear things up I am told that our account is " Restricted '' and needs to be handled by the appropriate person. 
When we go into a branch to make payments or mail in payments they are VERY consistent with applying the payment incorrectly, assessing fees/penalties sending us late notices and phone calls. What can be done for our stress over ALL these months and years! PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: MN

Complaint narrative:
I got a copy of my credit report from Experian and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Experian cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX : XXXX pulled my credit report ( hard pull/inquiry ) XX/XX/XXXX : I notified XXXX they did this erroneously and someone was trying to access my credit. I had no idea who did so. They required me to submit multiple things, such as my SSN, license, and utility bills, to even continue the investigation. 
XX/XX/XXXX : XXXX sold the debt to a creditor, SEQUIUM, who placed a collection on my report. 
XX/XX/XXXX : I reached out to XXXX to inform them of the issue. They required me to submit SSN, license, utility bills and said they were opening fraud investigation. 
XX/XX/XXXX : I also dispute the account with XXXX, XXXX, and XXXX. 
XX/XX/XXXX-XX/XX/XXXX, XXXX : I reach out multiple times for an update with XXXX. They give me no updates. 
XX/XX/XXXX : XXXX  tells me the dispute is completed and the debt is mine. I reopen the dispute. 
XX/XX/XXXX : I speak to XXXX  and they tell me they will not remove it from my report unless XXXX and SEQUIUM also agree it is fraud. 
XX/XX/XXXX : I contact you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed IC Systems was reporting this debt but this is not mine. I never received any notices, calls, letters or correspondence from them about this debt. This debt has never been verified to me and this violates my 30 day right to dispute.

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 2021-01-20 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I consumer XXXX XXXX, natural person entered into a consumer credit transaction with Commenity Bank/Victoria Secret. A consumer credit transaction is a transaction which a finance charge is involved, pursuant to 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because of this, I was not expecting a bill, Commenity Bank/Victoria 's Secret continues to send me a bill which is a violation of 15 USC 1692 B as it relates to my privacy rights. Commenity Bank/ Victoria 's Secret has caused me grave emotional distress before and during COVID and this is also harassment pursuant to 15 USC 1692 D.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
This following scam information was sent to me by text ( XXXX ) XXXX again on my phone in this order and reported previously to FTC : PLEASE REVIEW THE BELOW FOR INSTRUCTIONS TO ACCESS YOUR SECURE COMMUNICATION, XXXX : XXXX? XXXX. REPLY STOP TO END************************************** This private message is from State Collection Service , Inc. ( " SCSI '' ) a debt collector. Please review the contents of this message and any attachment ( s ) in private so that other people may not view it. The attached message is encrypted. To open your encrypted message : 1 ) Double click on the secure PDF attachment. 2 ) When prompted for a password, please enter your current 5-digit zip code to open your encrypted message. 
This is a post-only communication from SCSI. Please only respond to this communication with " STOP '' if you do not wish to receive communication via text message from SCSI in the future. If you have questions or concerns regarding this communication or if you experience trouble opening the attached document, please call ( XXXX XXXX XXXX. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Sincerely, State Collection Service , Inc . 

I do not know who this scam company is. I do not have a bill with them. I have received this message 3 times before and sent them a text message to stop sending me texts and they refused. I blocked this number in the past and they got back in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Management Resources
State: OK

Complaint narrative:
I've told AMR to quit calling, specifically the number they had listed. I have TWO work phone numbers, one which is specifically used for my work agency employees and patients ONLY. I do NOT give this phone number out to people. I could imagine that they've taken this number off of a recent car loan application and began calling it. They shouldn't have it to begin with and should not be calling it as it is specifically listed as a WORK NUMBER. This is the second time they've done this after I've told them to STOP CALLING 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 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
This item appeared on my credit report, I never received any letters from this company. Once I reviewed my credit report I immediately sent a letter for the agency to validate this account as per the Fair Deb Collection Act. I have documentation that the agency received the request for validation on XX/XX/2020. Once I did not receive a response nor any documentation to validate this account as well as their license number, I disputed the account with the credit bureaus to have them remove. The agency responded to the credit bureau stating valid. However ; they never validated this account with 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 2021-01-20 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:
I am filing this complaint because the bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

1. The following inquiry was made without my knowledge or consent XXXX/XXXX  Date of inquiry : XX/XX/XXXX 2. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/XXXX 3. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/XXXX 4. The following inquiry was made without my knowledge or consent XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. Validate Account XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX**** You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately. 

6. Validate Account XXXX Account Number : XXXX You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
Total of 3 XX/XX/XXXXXXXX accounts were opened as following that do not belong to me 1 ) {$4600.00}. XX/XX/XXXX submitted dispute 2 ) {$440.00} XX/XX/XXXX submitted dispute 3 ) {$4300.00}. XX/XX/XXXX submitted dispute Please help me resolve this issues that I am having periodically. Someone other than me is being reported to my credit report. The third item still has not been resolved yet. 

Even though I have disputed 3 times with Experian, the issues are not being resolved. 
Someone with similar names and birth dates keep appearing on my credit report. Please let me know whatelse I need to do to resolve this issue. 

Please let me know what is going on please? I want to be able to end this as soon as possible

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 2021-01-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have repeatedly asked wells fargo via fax and email request for copies of documents that have been signed on or around XX/XX/2020 per the email i received from wells fargo. 
I am requesting all copies with my signature from XXXX and the documents that were submitted on or around XX/XX/2020 with my signature as indicated on the email i received. 
Please see images attached

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
Approx, 2-3 weeks ago, I received a Visa Debit Card from U.S. Bank, congratulating me for this new ReliaCard. I did not activate it right away, as I was trying to figure out the reason for receiving it. On XX/XX/2021 I called the customer service number on the back of the card to Activate the card. It provided several prompts for this process. As I navigated through this process, it became clear I needed more clarification about this scard. I asked to speak to a live representative. It was here I was told this card was issued by the department of Labor, which included unemployment benefits.I am a retired XXXX. employee and have be retired for 22 years. I, at no time requested umemployment benefits.I spoke today with a representative of US Bank Realiacard and requested this card be canceled. The person I spoked to said it woud be canceled and I should receive a confirmation letter to that effect in aprox. 30 days. He also encouraged me to contact the Federal Trade Comission ato report I D Theft. I need to add I did not apply any funds to this card.

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 2021-01-20 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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I've had several inquiries added to my report over the last several months that I didn't approve and that I am unaware of. It shows I was a part of a dadt breach from equifax and XX/XX/XXXX. I contacted the police last year because I received a random call from somebody saying I had accounts open In Texas which wasnt true. Now I'm showing inquiries on my report like someone is trying to put something in my name I've also contacted the police again about this they have told me they can not do anything about inquiries because they can't prove anything was actually stolen from me. I've also contacted the credit beureas and transunion and equifax says they can't do nothing without a police report, but the police said they don't make reports for situations like this. 

The inquiries are Factual Data XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please help me remove these inquiries and further protect my report from this information being exposed. I have not opened any accounts in my name or attempted in the last 2 years.

Company response to consumer: Closed with explanation