vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenity Bank XXXX is reporting late notations for XX/XX/20, XX/XX/20. Due to the unforseen events surrounding the pandemic my finances were really suffering. I could barely pay my necessities and fell behind on things I needed to pay. I paid immediatley as soon as I could but unfortunately ended up being late. I have been current since then and ask that Comenity Bank please make a one time goodwill adjustment on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: IL

Complaint narrative:
I submitted an FTC identitiy theft report and I sen t an affidavit of fact to the CEO of TRANSUNION about the aggrevated identity that XXXX XXXX XXXX committed. Transunion removed the tradeline but did not remove the inquiry. Please review the documentation.

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 2021-08-04 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
called Target card services end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. Target refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : 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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

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 items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I tried to unfreeze my credit report with Experian using their website on XX/XX/2021. It appeared that my credit report was temporarily unfrozen until the creditor who was helping to refinance my mortgage tried to access my credit report and score. I went to Experian again and was not able to unfreeze my credit report and was told to write a letter to Experian with my drivers license and copy of a bank statement or utility bill to prove my address. The mortgage lender provided a telephone number for me to use to contact Experian since my refinancing application can not move forward without this report. The telephone number for Experian did not provide access to a real person and once again the only way I can get my credit unfrozen is to write a letter and mail it to Experian. My mortgage refinance application is now canceled since I can't get this report. There should be a way for me to recover my credit report online without the need to write a letter, wait for the post office to deliver, and then again wait for Experian to respond by mail. I should be able to talk to a person to resolve the issue, and not get captured by a telephone automation system that can't address the issue. I have tried to resolve this issue XX/XX/XXXX through today XX/XX/2021. I wrote the letter as instructed by Experian. Their lack of willingness to talk to the consumer could cost me thousands more in interest payments because of their communication firewall. This is unacceptable behavior. The idea was to protect me from credit fraud. I shouldnt be prevented from managing my financial life by a credit reporting agency. Shame on you Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I have never had XXXX XXXX XXXX  but i recently went to purchase a home and they pulled my credit and there is a collection on my report from XXXX XXXX XXXX. I tried to find out where this came from with the company but have had no success. It is fraudulent but i can't seem to get it removed from my report. Please assist me any way that you can in resolving this matter. Thanks.

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 2021-08-04 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: Chime Financial Inc
State: CO

Complaint narrative:
I booked a hotel, paid online. I was then refused a room and refused a refund. I filed a complaint with my bank they refused to refund. I filed a complaint with cfpb and was refused a refund. I filed a second complaint with cfpb and was informed that a chargeback had been issued to the merchant and I should have a refund within 90 days. Its been 90 days and still no refund. Called chime directly and got a run around for an hour on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: WA

Complaint narrative:
I have sent a few letters to Credit Bureau in order to dispute fraud accounts that I detected accidently by checking my credit report. I submitted dispute letter to Experian and after my dispute Experian blocked my report and now I CAN NOT even see my report, besides Experian didn't even response to my dispute. XXXX  not even did investigation, eve thou i mailed my letters via certify mail. 
Here is accounts that should be deleted from my report immediately : 1. This is a duplicate account US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This is a duplicate account DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report 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 non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc.
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: CO

Complaint narrative:
called XXXX XXXX XXXX  end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. XXXX  refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account balance.

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 2021-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: HI

Complaint narrative:
I have called the loan that was mentioned in the letter from XXXX XXXX. Spoke to XXXX  XXXX to verify if I have a loan with them I have NO loan with them, also called Speedy Cash same I have no loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a text message on XX/XX/XXXX asking whether I attempted to purchase {$500.00} at XXXX XXXXXXXX  which I replied 'NO '. Got a text message back stating a new card will be sent out. I called them back stating my Mom 's credit card was stolen from her wallet along with my sister debit card. Not only {$500.00} from XXXX XXXX was charged to my account but {$2900.00} was charged from XXXX XXXX. I called about this fraudulent charges and was told they would note the account and investigate. I called them back after not hearing from them for 3 weeks. I was told they need to escalate and reopen the investigation for additional 10 -15 business days. I called them again pressing on the status since those charges were still in my account. Several days later, my Mom, a Chase XXXX and I were in a conference call detailing the theft incident. Several more weeks pass and was told by Chase those charges were valid and they will remain in my account. Huh?! What investigation and how did you come up with that decision? Of course, no reason was given and now it is up to ME to do all the investigation, provide documentation to prove my innocence. I had to ask my sister and my XXXX yr mother now to go to the police station to file a police report. A police report was filed on XX/XX/XXXX detailing the incident and now it is being investigated by the XXXX Police Dept in XXXX XXXX, NJ ( case # ; XXXX ). I had spoken with XXXX, XXXX, XXXX, XXXX, XXXX and XXXX from Chase. None of them would give their last name or provide a direct number to call, so everytime you call Chase, you need to tell the WHOLE story again even though it was escalated at least 3 times. So in the meantime, there are those 2 charges that are fraudulent in my account and Chase stipulating those charges were found to be valid according to their 'investigation '. They did not investigate ANYTHING besides the thief that stole the card made the purchase at those stores. No signature receipt, no photo/video survaillence or anything. It is now up to the Police Dept to go to those store and demand surveaillance to show our innocence. This is unbelievable and the incompetence to Chase is shameful. Basically, they accuse you being guilty until you are proven innocent, leave all the legwork to be done by you and claim they did their investigation to claim their findings without an explanation. This institution is incompetent to say the least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 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: U.S. BANCORP
State: MO

Complaint narrative:
US Bank, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the XXXX. The bank then knowingly reported to all credit reporting agencies the balance of the XXXX tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the XXXX-aged account holder and XXXX adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting US Bank, contradicting stories were presented on when the fraudulent activity was flagged. One US Bank representative claimed the fraud was flagged in the US Bank system on XX/XX/2021. Another US Bank representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, US Bank violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is 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 non-monetary relief
Consumer complaint received 2021-08-04 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: CA

Complaint narrative:
The problem was managing a security freeze with Equifax on XX/XX/2021 at XXXX PDT. I have been able to do this many times in the past. I first tried it online at myEquifax.com. I received an error stating that their system was unable to retrieve the status of my freeze. The system provided a phone number ( XXXX ) to call for assistance. I was connected to agent XXXX ID XXXX. I was told that their system was down and I should try again in a few hours. She was unable to provide any insight into when the system would be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX,

Company response to consumer: Closed with explanation