vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the XXXX data breach. I keep letting XXXX, Transunion, XXXX, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.

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 2021-09-08 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:
I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the Equifax data breach. I keep letting XXXX, XXXX, XXXX, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the XXXX data breach. I keep letting Experian, XXXX, Experian, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.

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 2021-09-08 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: MD

Complaint narrative:
I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted Ability Recovery LLC in regards to a medical debt on my credit report. According to Ability Recovery I had an unpaid medical bill of {$100.00} which was the same amount that was reporting on my credit report. I spoke with a agent ( guy ) who told me that if I pay the debt now it can be deleted from my credit report. I agreed to pay the debt in return for a written letter stating that debt will be deleted once paid in full. The agent agreed to send the letter via email to XXXX stating that debt was paid in full for deletion. In XX/XX/XXXX I viewed my XXXX credit report and noticed that Ability Recovery LLC was still reporting the debt so I filed a dispute through XXXX but the results only revealed that the account was updated to paid in full but not deleted. I continued to call Ability Recovery LLC to request that they delete the debt from the credit bureaus and each time i called a rep will say they already sent it to be deleted but as of now it still shows on my credit report as a paid in full collection. Ive contacted XXXX to dispute multiple times and I even sent it the email that I received from Ability Recovery llc saying that debt was paid in full for deletion but they too refuse to delete it. I dont understand how a recorded and monitored conversation on XX/XX/XXXX is not being used in the manner that it was discussed on that call. I am left to seek legal counsel if this collection from Ability Recovery Llc is not deleted from my credit report as agreed upon 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 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the XXXX data breach and also informed them of that and they said that means nothing.

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 2021-09-08 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:
Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the Equifax data breach and also informed them of that and they said that means nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had been notified in several communications sent by Santander Private Client that I was upgraded to their Santander Private Client Checking. I never requested, authorized, opted-in or approved such change. In fact, when I received such earliest notice I called to advise them that I wasn't interested in their 'upgrade ' with attendant balance requirements, etc. I had also responded to one of those special letters opting-out of any such program opportunity. However, they persist. Feels like the fraud at XXXX XXXX when those bankers 'automatically ' flipped accounts under an illegal marketing scheme!

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 2021-09-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I HAVE SUBMITTED INFORMATION CONCERNING MY CONSUMER REPORTS TO THE 3 MAJOR CRA 'S AND NOTHING HAS CHANGED AND ITS A VIOLATION OF FCRA. PLEASE ADVISE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was scammed by people who pretend to be pay pal members, They let me transfer them XXXX $ through XXXX 
I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: FL

Complaint narrative:
XX/XX/2021 I was turned down for a credit card that I applied for stating a fraud alert was on my credit report I submitted my drivers license as proof of who I was. Waited four days as I was instructed for the fraud alert to be removed called in and spoke to the representative He stated the fraud alert would be removed and I called back in four hours later and the fraud alert was put back on my account! I knew the representative who stated the fraud alert was removed really did nothing about it I asked to speak to a supervisor he again stated the fraud alert was removed after 10 minutes of holding on the phone for a supervisor I called the next day to make sure the fraud alert was removed she said no it was removed and then somebody put it back on again! I stated this is ridiculous 20 minutes on hold to speak to somebody at Experian I wanted to speak to a supervisor and which one never called me back I stated I wanted the call to be listened to since everything is recorded and I wanted to know who put the alert back on my account after it was removed because I definitely stated I did not want the fraud alert on my report so somebody at Experian decided they wanted to put the fraud alert on my account without my permission and again never spoke to a supervisor who was supposed to call me back never spoke to anybody from Experian nobody was concerned about 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 non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Today XX/XX/21 I transferred {$50.00} through my bank through XXXX to a scam landlord for a supposed refundable application fee for an apartment to a XXXX XXXX using email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: MD

Complaint narrative:
I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: PA

Complaint narrative:
I submitted disputes as well as an FTC report for fraudulent accounts on my credit reports. 

XXXX - XXXX {$3000.00} XXXX XXXX XXXX $ {$2600.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$62.00} Equifax XXXX XXXX XXXX XXXX {$62.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
I owe no debt to anyone except my home finance company & automobile finance company. This number ( and many others with the XXXX ) calls constantly, then hangs up. If I didn't already have at least 10 or more scam/spam/phishing calls and texts a day, I'd just continue marking their numbers as such ( with HIYA ) ... this is astronomical though.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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 have sent certified documents pertaining to two bankruptcy listed on my credit report that does not belong to me I sent in documents to Transunion on several occasions asking them how they verified my information.

they insisted that the information pertaining to the two chapter XXXX  yay is showing on my credit report was verified the Bankruptcy Court which is false I sent them a copy of the certified letter from the chapter XXXX bankruptcy courts stating that they DO NOT report any information to any of the credit bureaus.

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 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a bankruptcy appearing on my credit report that has been falsely been added to my credit report. I have sent in certified documents with supporting evidence stating that the Chapter XXXX Do Not report information to any credit bureaus but It still remains on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was trying to buy tickets off someone online. I used the XXXX  extension available through my XXXX  XXXX XXXX account to transfer the money to the person I was supposedly buying the tickets from. I sent the money and then, when trying to get the tickets, the person didnt send anything. I then requested that they sent the money back to me through XXXX  and they blocked me. I contacted my bank and they claimed that they cant do anything since its already processing. I sent a request through the XXXX  extension for the person to send me back my money and they never responded. I just really hoped the bank would do something about it, but they couldnt even though the transaction wasnt fully processed, it was still just processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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:
There was no sub category for this complaint so its probably miss classifieds. My complaint is against Equifax. I am filing this complaint just as additional evidence against Equifax in my lawsuit I am getting ready to bring against them. In the last few days I have had a collections account in the sum of {$800.00} to be removed from my credit report. My score increased significantly. Then today out of the blue it drops by 23 points. My score dropped today yet I had a collections debt removed from my credit report in the amount of {$800.00}. My credit usage decreased by 10 %. The total amount of my debts decrease by over {$100.00} and my score drops by 23 points. Equifax is once again retaliating against me because I exposed their lies and criminal activities. This complaint is purely to serve as evidence. I know the third part messenger service known as the CFPB will take no action against Equifax. Equifax is determined to make me rich. XXXX was sued a few years ago for the same reason I am suing Equifax and XXXX had to pay XXXX XXXX dollars to the plaintiff. Equifax continues to retaliate against me and violate my rights. There is no way my credit score can decreases by 23 points when a collections debt ( A fraudulent collections debt that Equifax knew was fraudulent yet chose to allow it to be posted on my credit report ) in the amount of {$800.00} was removed from my credit report and my credit usage decreased by 10 % and my debt decreased by over {$100.00}. This is just more retaliation by Equifax. I wills see them in court. They are determined to get sued and I will give them their wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-09-08 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: PA

Complaint narrative:
I want to remove this fraud alert from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: TX

Complaint narrative:
JFQ sent misleading letter implying you need to call them to get a cash disbursement under FNMA. They are sending intentionally misleading advertising to vulnerable homeowners during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to remove this fraud alert from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: PA

Complaint narrative:
I want to remove this fraud alert from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 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: TX

Complaint narrative:
Identity theft has happened to me. Block and remove material from my consumer report under 15 USC 1681c-2. Failure to comply is a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I opened a credit card account with Victoria secret. At the beginning of the year i paid it off and requested to close but it proceeded to charge and also add on additional fees that Ive more than gladly paid for but i shouldnt have to because i tried closing the account. Why am i paying XXXX when i havent use the card in like a year

Company response to consumer: Closed with non-monetary relief