vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019 ... XXXX XXXX XXXX VIA XXXX REQUESTED CREDIT CHECK ON ALL 3 MAJOR CREDIT AGENCIES. 

I CONTACTED A CORPERATION WHO MADE THE REQUEST AND REPORTED FRAUD. THE COMANY ASSURED ME THAT THE CREDIT INQUIRY WOULD BE TAKEN OFF ALL MAJOR CREDIT REPORTING AGENCIES, BUT FAILED TO DO SO. 

I ALSO WENT ON FREE ANNUAL CREDIT REPORTS, AND COULD NOT DISPUTE THIS PROBLEM AND SOMEHOW DURING MY DISPUTE WITH TRANSUNION I WAS DISCONECTED COMPLETELY AND WAS NOT ALLOWED TO GET MY CREDIT REPORTS. THIS HAPPEND ON XX/XX/2019 AT AROUND XXXX XXXX. 

I TRIED TO GET BACK ON FREE CREDIT REPORTS AND IT SAID MY SESSION HAS ENDED. ALL THREE SESSIONS WITH THE MAJOR CREDIT REPORTING AGENCIES. 

I FEEL THAT I WAS NOT ALLOWED TO CORRET THE ERRONEOUS MISTAKES THAT WERE PERSONAL AND OTHER. 

SOMEONE NEEDS TO REPORT THIS PROBLEM TOTHE FREE ANNUAL CREDIT REPORTING SITE. LET PEOPLE HAVE THE DAY FOR THEIR FREE CREDIT REPORT ... AND DONT DISCONECT THE PERSON WHO IS TRYING TO DISPUTE WRONG CREDIT AND PERSONAL 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 non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
My debit card I'd ss card sons ss card and checks was stolen I disputed the transactions made police report and my bank will not refund my money over {$600.00} dollars. Regions Bank is nothing but liars and thieves

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 2019-08-25 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:
I have contacted XXXX, XXXX, Equifax and advised I'am a victim of identity theft.on multiple occasions and the fraudulent accounts remain reporting negatively affecting my credit score on my credit report.The following account remain on my credit report.The Bureaus have done nothing tor Resolve this issue.Per The FCRA ACT623A ( 7 ) Negative information Must be removed immediately. I'am Requesting a CEASE DESIT AND BLOCK THE ACCOUNTS PERMANENTLY. ACCORDING TO THE FAIR CREDIT REPORTING ACT FCRA, SECTION 1681C ( 2 ) .BLOCK INFORMATION RESULTING FROM IDENTITY THEFT. 


Account # XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT XXXX, XXXX Account # XXXX XXXX XXXX XXXX DATED OPEND XX/XX/XXXX AMOUNT {$6000.00} Account # XXXX XXXX XXXX DATE OPEN XX/XX/XXXX AMOUNT XXXX Account # XXXX XXXX XXXX date opened Dated OPENED XXXX AMT. {$7200.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX AMOUNT {$4000.00} Account # XXXX DEPT OFED/XXXX opened AMOUNT {$1600.00} Account # # XXXX DEPT OFED/XXXX opened XX/XX/XXXX AMOUNT {$3600.00} Account # XXXX DEPT OFED/XXXX  opened XX/XX/XXXX amount {$2400.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX amount {$3600.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX amount {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: FL

Complaint narrative:
I HAVE CONTACTED EQUIFAX AND ADVISED THEM THAT I AM A VICTIM OF IDENTITY THEFT AND THE ACCOUNTS STILL APRARE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX opened a deposit dda charge off item on my credit files with transunion XXXX and XXXX  this was incorrect and after speaking with XXXX - XXXX notified the 3 credit agencies to remove the item. XXXX and transunion removed the items from my file but transunion has not -- even after i disputed this item - transunion needs to be compliant with the fair credit reporting act and remove this item as they have been instructed to by XXXX   action. this is causing me financial hardship as when transunion initially added the item - my credit score took a large drop in score.

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 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management ( MCM ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default XXXX XXXX card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was MCM again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. 
MCM called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from MCM. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated MCM was considering sending this account to an attorney in our state for possible litigation. To please pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
The original debt was part of a court case in DC XXXX XXXX, XXXX XXXX, XXXX LTB XXXX. It resolved around landlords accusation of rent owed and tenants countersuit of discrimination based on XXXX orientation and disabity, plaintiff not providing a safe environment and other issues. The case was originally settled and I have in my possession a letter from XXXX XXXX XXXX, the original creditor, dated XX/XX/XXXX stating that rent was paid up to date. The case was then dismissed by the original creditor between XX/XX/XXXX and XX/XX/XXXX. There was no additional court filings by the original creditor and neither myself or my attorney 's have heard from the original creditor since. 

In XXXX of XXXX, I learned of a collection on my credit report from FAIR COLLECTIONS AND OUT. I had not received anything from them prior to this discovery. I filed a dispute with XXXX XXXX and apparently Fair Collections provided proof that the debt was accurate. If they in fact have documentation stating so, it is fraudulent. 

Again, the court case surrounding this debt was dismissed by XXXX XXXX XXXX and XXXX XXXX XXXX never contacted myself or my attorney 's after the dismissal. Any claim of debt owed to XXXX XXXX XXXX would require specific documentation mailed with a itemization of supposed debt, allowing myself to dispute any claim, per DC Landlord/Tenant Laws. 

The account at Fair Collections, opened XX/XX/XXXX is only approximately 30 days after the original court case was dismissed. This short time would not provide the time for any legal procedure for the claim of debt owed and response, if such a claim had actually been received. I have received nothing from the original creditor or from Fair Collections and Out regarding any supposed debt owed.

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 2019-08-25 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 have reported 6 accounts and a address where i have never lived at as fraud. XXXX and XXXX  cleared my reports. But Equfax is still showing the Fraud address and accounts on my credit reports. I'm submitting the F.T.C Identity thief report under number # XXXX copy enclosed, i also submitted the clear XXXX report. Please remove these accounts working on getting a mortgage. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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:
Equifax credit reporting agency refuses to remove 3 fraudulent inquiries from my credit report. 

XXXX XXXX/ XXXXvisa - XX/XX/2019 They removed fraudulent account but they are refusing to remove inquiry. 

XXXX/XXXX  - XX/XX/19 XXXX XXXX send a letter to equifax To remove fraudulent account and inquiry. 
Although equifax removed account, they refuse to remove inquiry. 


XXXX XXXX XXXX XXXX - XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default Capital one card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was XXXX again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. 
XXXX  called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from XXXX. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated XXXX was considering sending this account to an attorney in our state for possible litigation. To please pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC
State: SC

Complaint narrative:
I havent work since XX/XX/2017. I was recently awarded XXXX but still unable to pay the medical bills that are due because of my illness. The money that I receive every month all go on medication because I loss my job in 2017 due to my medical history. With all the medical bill that I owe, I still cant pay and because of that it 9s messing up my credit. I have insurance for 6 months which end in XXXX, but every visit I have with my doctors they are not paying anything on my medical bills. So, after all my medication and my visit at the mental clinic takes up the money that I get monthly. I am will to pay each medical bill that I owe {$50.00} dollars a piece to take it off my credit report. It is messing up my credit big time. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
JC Pennys reported to the credit reporting company 's my account was 3 month late cause 50 point drop in my score my jc pennys account is paid in full XXXX,, nor did I do anything to stop payment at XXXX XXXX is not my account why jc pennys paid for it for and account that's minds not sure why, I requested a payment history to date nothing the account don't apply to me nor minds JC Pennys are XXXX nor was I notified of no payment for three months its not my account either one

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Today XX/XX/2019, I received information from TransUnion regarding my dispute that I mailed to TransUnion on XX/XX/2019, showing that they completed an investigation of my disputed items reporting on my credit report. Transunion letter is dated XX/XX/2019, which is impossible for TransUnion to have received my dispute letter via U.S. Postal regular mailing and have completed an investigation. I have been disputing Bankruptcies chapter XXXX and XXXX XXXX, and XXXX reporting on my credit file. My recent dispute, I asked for Method of Verification original documents from the furnisher that has my complete name, social security number, date of birth, and my dated signature. Transunion has failed to provide me with any documentation. I also stated that XXXX XXXX system would not be acceptable. I provided them with US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE XXXX, TN letter from court. Third party vendors can not be used as verification of an accurate reporting. Per FCRA, TransUnion must provide me original documentation with my name, social security number, dated signature, and date of birth.

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 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Dear I.Q. Data International, Inc. : We communicated the CFPB Case Number : XXXX ; I.Q. Data Internatl Reference : XXXX already but given : -- your response to the Case dated XX/XX/XXXX and signed by XXXX XXXX Quality Control Assistant, I.Q. Data International, Inc. 
-- your letter from XX/XX/XXXX signed by the " Account Representative '' ( attached ) -- my email response to your letter dated XX/XX/XXXX from : XXXX XXXX <XXXX ( at ) XXXX ( dot ) com> to : XXXX date : XX/XX/XXXX, XXXX XXXX I urge you to immediately remove the negative report to the Credit Agency given : a ) you did, even if unintentionally given your client 's practice, violated my rights granted by the Fair Debt Collection Practices Act by not providing me with the debt validation letter, or any sort of communication, on time b ) you notified me that your " delinquency '' report to Credit Report ( s ) will be put in the " disputed '' status which is also wrong because c ) you have finally sent me an opportunity to require " debt validation '' in your letter dated XX/XX/XXXX which gives me ( us ) 30 days to resolve this issue. 

Hence, you could NOT HAVE reported me to the credit report, and my account with the alleged debt for we have until XX/XX/XXXX to settle and resolve this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 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: LA

Complaint narrative:
I contacted all 3 bureaus several times in reference to a child support case on my file and they are still reporting it. It's not mine it's my sons

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 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: LA

Complaint narrative:
I contacted all 3 bureaus several times in reference to a XXXX XXXX case on my file and they are still reporting it. It's not mine it's my sons

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 2019-08-25 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: LA

Complaint narrative:
I contacted all 3 bureaus several times in reference to a XXXX XXXX case on my file and they are still reporting it. It's not mine it's my sons

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 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX my mom and I went into Suntrust Bank in XXXX XXXX  Tn to close her account. Which my name is on too. I was taking over her POA and changed banks, the bank manager assured us the account was closed and a week later she started getting letter in the mail that she owed them money for a draft and fees they allowed to go through on her account that was supposed to have been closed. I called all the companies she had automatic drafts from and stopped them, so I dont feel like it was our fault the drafts came through the account was supposed to have been closed. They told us that a pending draft could reopen a account, I feel that this practice is a attempt to just keep getting money from people when you close a account it should stay closed. I wouldnt recommend using Suntrust bank to anybody.

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 monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Dear Sir, Initially this debt claimed by XXXX. I was their customer the last 11 years and paid my bill on time. Since their service / signal is very bad at my work place almost the last 4 to 5 years. I finally decide to change my service to another provider and paid all the total balance and closed my account. After I closed and paid the balance amount, they keep send me the bill and I contact their customer services more than 8 time and different occasions, they confirmed me that they will remove their claims and close my account but they sent it to the collection office. And keep sent me further bills like I'm still their customer for more than 3 months and I keep all those bills for references. This amount {$62.00} is not a big deal for me but I won't pay a single XXXX for the service I did used ... 

Thanks! 

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