vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I contacted Portfolio Recovery Associates in regard to the debt that they placed on my credit report in XX/XX/XXXX. It was an original debt by XXXX XXXX. There was some fraudulent charges on the account in XX/XX/XXXX. XXXX XXXX closed the account in XX/XX/XXXX. XXXX XXXX  is not even on my credit report anymore. They did the right thing. Portfolio Recovery Associates informed me that this account was opened with XXXX XXXX back in XX/XX/XXXX. This account was opened with XXXX XXXX in or around XX/XX/XXXX -XX/XX/XXXX. The account with XXXX XXXX was closed in XX/XX/XXXX. However, Portfolio Recovery Associates placed a collection on me. I did n't know it until I pulled my credit report back in XXXX. They claimed to have placed it there in XXXX. I told them to send me something in writing to prove the debt and they have not. They also told me that an attorney has not been assigned to the debt. They have not sent me anything. They just want money. I spoke with them again on XX/XX/XXXX. That is when I gave them my address. They never even had the address, so how could they have even sent me notice. I want this debt removed from my credit report because this is wrong on many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax failed to do their part in securing the personal information stored on their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
Equifax compromised my identity. Their system was hacked mid XXXX, but they did n't announce it to the public, I was vulnerable to identity theft. since they did n't announce it to the public, I was n't able to take any measure to protect myself from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I got a call from I.Q Data International Inc on XX/XX/XXXX, they said I owe {$640.00} against XXXX XXXX XXXX. Since I never lived in any apartment with name XXXX XXXX XXXX I told them they are contacting the wrong person. 

I got a call again on XX/XX/XXXX and the representative stated that I owe money, else they will damage my credit. To understand the issue better I requested the representative to provide me with full details of debt and send me the details of debt with verification. She insisted I pay immediately with my credit card now or else she would damage my credit. When I mentioned I would pay only after verifying that I owe money and would not be sharing my credit card details to someone on phone to abuse. She mentioned that there is protection on your credit card and started to threaten me again saying " I am giving you one last chance, if you pay now we will not report it and damage your credit ''. To which I responded, I would not do that without validating my debt and hanged up the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: NY

Complaint narrative:
In late XX/XX/XXXX, I noticed a fraudulent charge on my XXXX XXXX at a XXXX XXXX in Oklahoma for {$870.00}. I 've never been to Oklahoma, so I knew this charge was obviously fraudulent. I called and had the charge removed, and was issued a new card. This is the first time I 've ever had that happen to me. I received a call from XXXX on XX/XX/XXXX asking a follow-up question about the charge. I called back on XX/XX/XXXX, and they asked if I knew a " XXXX XXXX '' to which I said " No. '' On XX/XX/XXXX, I learned about the Equifax hack, and that the two may be connected. On XX/XX/XXXX, I checked www.equifaxsecurity2017.com to see if my information was impacted, which it was. On XX/XX/XXXX, I checked my credit report through XXXX, and placed a 90-Day Fraud Alert with the three credit-reporting bureaus, through XXXX. I plan on submitting an IRS Form XXXX, and enrolling in Equifax 's TrustedID Premiere before the enrollment period ends on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: SC

Complaint narrative:
I am writing to express my extreme distress regarding the recent revelation of a data breach at Equifax. It appears that my information was contained in the breach when I reviewed their website. Here are several of my concerns. 

The breach was from XXXX to XXXX of XXXX. Nearly 3 months the problem existed. 
They discovered the breach in XXXX. 
They did not disclose the breach until XXXX XXXX, XXXX. 
They did not contact me directly about my information being compromised. 
When I checked the database as a " potential victim '' I was informed that I was indeed included in the data breach. 
When I tried to enroll in the credit monitoring service ( provided by none other than Equifax - conflict of interest in every way ) I was instructed to return to the website 4 days later to sign up. Additionally, I was also informed that I would n't be reminded to return to sign up. This is an undue burden on a consumer that has been victimized by this company. 
Credit monitoring should be provided free of charge by a monitoring service of our choice instead of prolonging " victim-hood '' with Equifax. 

Information discovered after this initial debacle was even more troubling. 

Contained in the terms and conditions for checking to see if I had been a victim I discovered that I was bared from joining a class action lawsuit against Equifax. 
Days after the breach was discovered there were Equifax employees that sold their Equifax stock. 

In my opinion this is egregious dereliction of even simple security of personal financial information. I do n't have a choice to exclude creditors from sending my information to Equifax and therefore I was an unwilling victim of this crime. This requirement has been in effect since Gramm Leach-Bliley 1999 - XXXX. I believe that Equifax is significantly engaged in providing a financial service as a credit bureau. And as GLB is a 17 year old statute they have had plenty of time to ensure proper security practices were in place. Furthermore, the FFIEC 's Cyber Assessment Tool that was released in XXXX has provide ample guidance on securing personal financial information on the internet. 

With the revelation of this horrific occurrence the CFPB should consider the dismantling of this business. They should be subject to the most punitive of all sanctions that are within the CFPB 's authority. This has struck an irreparable rift of distrust in the financial services industry. If we can not trust the companies that are in charge of our data ( without our control ) then we have wider distrust of the entire system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a copy of my XXXX credit report and disputed the following items in writing on XXXX XXXX, XXXX via return receipt mail to XXXX that I did not recognize. 

1. Previous address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reported XXXX 2. Credit Account Number XXXX XXXX XXXX XXXX {$1800.00} 3. Credit Account Number XXXX XXXX XXXX {$1800.00} I also mailed a dispute letter to both Jefferson Capital and XXXX via return receipt on XXXX XXXX, XXXX. I have attached a copy of the letter to Jefferson Capital. 

On XXXX XXXX, XXXX, I received a confirmation result letter from XXXX  that they are deleting all three disputes. I have attached a copy of this letter. 

On the same day, XXXX XXXX, XXXX, there was a letter delivered to our address to the attention of a XXXX XXXX from Jefferson Capital regarding the {$1800.00} debt. The letter states that they must be notified with 30 days after receiving this notice to dispute it and enclosed a form to complete personal information including your social security number. It also says that unless I notify their office within the 30 days that their office will assume this debt is valid. 

I am officially filing a complaint against Jefferson Capital to stop all communication. XXXX has already deleted my disputed items and I am not familiar with an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CO

Complaint narrative:
First, you have to understand, 'credit lock ' is a Transunion product they charge for- and that they have manipulated their website to steer you away from a 'security freeze ', which is free. 

Of course, after the breach/debacle with XXXX, Transunion is ready to pounce in predatory fashion and ONCE AGAIN exploit the consumers misfortune by ensuring you are NOT ABLE to get a security freeze ( one again, your right to completely free security ). 

They have completely blocked EVERYONE 's ability to complete a security freeze online, a process that takes seconds to complete. At the end of this process you will receive a message to contact them via phone. Once you call, you will guided through the security prompts and in the end, you will be informed they are ( once again ) unable to process your request and you will need to talk to a representative ... after which you will transferred to a busy signal. 

***** Remember, if you ca n't place the security freeze you are completely entitled to, your only option to protect yourself is to purchase Transunion 's Credit Lock product ... funny how that works. FYI, ignore the mis-information ALL of the bureaus/CRAs are promoting on a Security Freeze. They are easy to do. AND- you can apply for credit at any time- just be ready to provide your pin to the creditor. It 's that simple! 

Next, rinse and repeat, over and over and over and over again. I have literally attempted to get this done dozens of times over the 4 days since the XXXX debacle was initially 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 non-monetary relief
Consumer complaint received 2017-09-11 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:
loans show up on my report and its not mine, i have police report # XXXX Id theft

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 2017-09-11 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: GA

Complaint narrative:
Date:XXXX17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 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: ID Analytics, Inc.
State: NC

Complaint narrative:
XXXX XXXX denied my car loan application because of some insanely low credit score issued by some unknown, unprofessional company called XXXX They are a scam fishing for personal and private information and this has happened to tons of people on the internet. 

XXXX and XXXX need to be investigated and handled because it is trashing many people 's abilities to make purchases.

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 2017-09-11 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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
calls every business day with an automated method saying they are trying to reach someone in out company about a debt. This company has no debts in collection, so I simply XXXX the name and then the number XXXX, XXXX and XXXX. You can see how many others have had this same treatment. This is a scam, I am sure people think there companies must owe some money and probably give them money for nothing. This probably should also go to the Dept. of Justice. Please investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: NY

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Seterus, Inc.
State: IL

Complaint narrative:
For some reason my mortgage company SETERUS is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XXXX XXXX the next payment that was reported after that was 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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX I hired Equifax to care for my credit. I pay {$16.00} monthly for Equifax ID Patrol service, which will continue until they allow a cancellation order on XXXX XXXX, XXXX to go into effect. On XXXX XXXX, I was informed by media reports there company had been hacked. On XXXX XXXX, I tried to contact Equifax, and was directed to go onto a site to see if I was one of the millions who 's identity information had been stolen from them. I was indeed one of the millions who 's identity information had been hacked. After many hours and days of working on notifying my banks, credit card institutions, retirement institutions, putting freezes and identity theft notifications on all my credit et cetera, Equifax has never contacted me by e-mail or otherwise, to notify me of there recent security breach. The very reason I hired Equifax was to protect my most personal and sensitive information. They have unequivocally failed to do this, and are still forcing me to pay for a service that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase notified me by a telephone call that my account was overdue by two months. I immediately made the payment owed plus the late fees and contacted them because my paper statements stopped being delivered to my mailbox. I was told that I opted for paperless billing several months before. I explained that I do not remember doing this, nor would I ever have done this as I have a memory problem that I see a XXXXXXXX  for. I explained that I have not been late or defaulted on any debt in my XXXX years and that this was clearly a mistake and their reporting my being late by two months was adversely affecting my credit score and the rate I am getting on a mortgage I am in the process of obtaining. I was told that they do not give courtesy adjustments. I continued to explain that I would not willingly switch to paperless billing due to my memory problem that I would gladly submit a letter about from my XXXX. The fact is that I need the statement to remember to pay the bill. Chase and other lenders employ a deception practice of phrasing questions when you log in online that result in you turning off your paper statement generation when you really do not want to. This is unfair, deceptive and should not be a pop up question every time you log into your account. It should be an option you select, not a question you answer. I would like Chase to review their practices with the understanding that their pop up question can be confusing for many customers and can result in the ruining of one 's credit. Again, this should not be a pop up question when you log in that serves no other purpose than to save Chase money on postage and paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I sent a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM to Citibank on XXXX/XXXX/XXXX and they have 30 days to respond. 

They have sent two collections agency to try to collect alleged debt.

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 2017-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
A letter was sent to Midland Funding inXX/XX/XXXX requesting  verification of a debt and also requesting that any and all correspondences be sent in writing. Today, XXXX XXXX, at apx XXXX XXXX I my employer received a phone call from Midland Funding regarding my employment status for an unverified debt.

It is illegal to contact an employer regarding an individual's personal debt.

This company Midland Funding, has not responded to my written requests to validate this debt and I am requesting that this debt be removed from all three of my credit reports because it has not only been over 45 days since they were contacted regarding proof of this debt, but have also ignored requests to not contact me or my employer by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
EXCESSIVE PHONE CALLS

Company response to consumer: Closed with explanation