vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
l first tried calling Equifax at XXXX XXXX to unlock my freeze for a limited time. The system barred me from unlocking my account. I went on line to www.myequifax.com. I entered my email address and password and was blocked from accessing my account through that means. I was instructed to call XXXX XXXX. I called and after identifying my self with multiple questions about my credit history I was finally permitted to speak with a representative who asked many more very detailed credit questions which I answered correctly as I had my documents in front of me. Again I was refused my request and then was informed that I had to send in three items to them for verification, my license, my social security card and a letter describing what I wanted. They explained it would take up to 10 days to clear my record. I asked to speak with a supervisor who stated the same thing I explained that I only wanted to unfreeze my account for several days and that if I faxed in my items, I would have no idea as to when to tell the bank that they could check my credit. She apologized but said she could do nothing. She suggested the things I had already tried ... to go into myequifax website or call for technical assistance at XXXX XXXX. I advised her I already tried both and that Equifax 's System is broken. I asked to speak with a manager because I felt it was important for them to know that their system had issues and that waiting for up to 10 days to receive clearance is totally unacceptable. She claimed to have connected me and so far I have waited 58 minutes to serve that end. I will wait for two more minutes and then I will hang up. I hope you are able to fix their system which is not working for anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out. 

Also there was a previous case of this debt being reported by another company and that was resolved earlier on XX/XX/2018 cfpb Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX  XXXX XX/XX/2013 The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, 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 2020-07-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX XXXX XX/XX/2013 The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Verizon credit card offered through Synchony Bank. Synchony issued the card on XX/XX/2020, but the card carried a very low credit limit and the bank informed me it was because of credit issues  shown on my XXXX credit report and the bank had issued a low credit score. 

I contacted XXXX  to review my FICO  score ( which is very high ) and confirmed there were no negative issues on my report. 

Synchony 's notice letter to me included a customer care phone number which was non-functioning, so I contacted customer service listed on their website. While they initially stated that my low score was issued by XXXX, they subsequently admitted that Synchrony creates it's own scoring system. When I pointed out that the reasons they gave for issuing a low score were in direct opposition to the data provided by XXXX  and I asked to speak to someone at their bank to address any inaccurate information they had, they said they were unable to connect me with anyone or to provide any mechanism for me to see their information or provide input. They have essentially created a blackbox for issuing a score and provide no ability for a consumer to resolve issues or address incorrect data.

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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
To whom it may concern, Regarding loan # XXXX.Respectfully, we have been trying to make payments on our loan, but Shellpoint has been sending mail to the wrong address to a deceased person. We have always made our payments via check/physical mail. And we have not received a stament since it I was going to the wrong address. This is all related to the MSR transfer from XXXX to Shellpoint. 

We were also not informed in a timely manner that our mortgage was transferred to Shellpoint from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I opened a Macy 's store card in XX/XX/XXXX I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. Macy 's account team did not help me as they kept me reverting back to some collections agencyMacy 's posted many months of late fees on top of the ~ {$110.00}. the late fees added by Macys, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. Macy 's horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with MAcy 's customer service then Citi Bank ( macy uses for their store Card ) and spent hundred of hours trying to resolve. Macy 's customer service has been giving me different numbers each time I call. I filed a fraud claim with Macy 's explaining that my card was stolen but no support came in from Macy 's at all. It's XX/XX/XXXX and I still do not have any support. Macy 's customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX Macy 's gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

Macys has harassed my XXXX  and XXXX  with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as Macy 's have constantly failed me and I and begging for relief.

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/20 I wrote Experian about two fraudulent accounts On my credit profile due to identity theft. Experian only removed one of the fraudulent accounts. The account XXXX XXXX XXXX is stilll reporting, how ever I never didnt business with this company.

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 2020-07-01 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY EQUIFAX CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
On XX/XX/2020, I attempted to call Debt Recovery Solutions and verify a debt that this company placed on all three of the credit reports ( XXXX, XXXX, and XXXX. ) They placed this debt without making contact with me first. I called them and they tried to phish my social security number which was already absurd. They shouldn't have this kind of information as a debt collector. I finally settled with the last 4 of my SSN to prove my identity. They told me what my debt was and I told them I needed verification and they said ok they would send it through mail. It has been over 3 weeks with no sign of the verification. I know for a fact that they have no connection to the original creditor so there is no question that this is a not a legitimate debt. You can also see all the negative reviews the company receives and from my personal conversation with him. You can not just post bogus debts and expect people to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
I.C. SYSTEM, INC put a derogatory mark on my XXXX  credit file. I called them on XX/XX/XXXX the day it posted on XXXX  and they told me I owed XXXX {$190.00} from 2016. I knew I did not because I have 2 accounts with XXXX  from before 2016. XX/XX/XXXX they put a second derogatory mark on my XXXX  credit file for the same {$190.00} for XXXX. XX/XX/XXXX, I called XXXX to verify that I did not owe them anything and they told me that I do not owe them..that my previous accounts with them show a XXXX balance and if I had an account that went into collections it would show on their end that it was written off. 
This collection agency is using excessive tactics to post 2 negative reports on XXXX  for the same {$190.00}. that I do not owe. I asked them for proof that it was my account and they said they could not give me that information.

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 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: DE

Complaint narrative:
Speedy cash would not let me set up an arrangement to pay off and I was out of work due to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: PNC Bank N.A.
State: FL

Complaint narrative:
SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. 

PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. 

I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. 

PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. 

HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S )  ARE APPEARING IN THE SYSTEM. 

THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
Afni, Inc.

Recovery Team - XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX . 
XXXX, IL XXXX XXXX Acct : XXXX Collection agency reported debt to XXXX  on XX/XX/XXXX. I filed my dispute with XXXX  on XX/XX/XXXX. In my dispute I requested validation of the debt. AFNI failed to respond to XXXX. As such, XXXX  completed their investigation and removed the collection from my credit report on XX/XX/XXXX. I called and attempted to resolve this matter with AFNI on XX/XX/XXXX. The agent misrepresented my intentions and confirmed she noted the account as " refused to pay because mail not received. '' I clarified that was not my intention. I called AFNI to settle the account for a low amount ( {$25.00} ) because they did not respond to XXXX, or at best, to have the account removed from collection. Due to that conversation, I sent an additional formal dispute letter directly to AFNI on XX/XX/XXXX via e-mail stating all of the above. I demanded removal of the account from their ownership and a cease and desist of collection actions based on misrepresentation, FDCPA 807. I demanded removal of the account and cease and desist of collection actions due to failure to respond to verification request to XXXX, FDCPA 809 ( b ). 

I received a letter yesterday from AFNI with an additional attempt to collect the debt and with verification from XXXX XXXX XXXX attached. Note, the verification was simply XXXX XXXX XXXX 's letterhead and a balance owed. There was no itemization or explanation of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name.

Company response to consumer: Closed with explanation