vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the excessive violence used by the store employee and a customer service by the unprofessional untrained manager

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 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: EOS Holdings, Inc.
State: DC

Complaint narrative:
This debt doesnt belong to me someone used my information and they didnt pay for this and now its on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: NJ

Complaint narrative:
RE : Experian Report # XXXX ; XXXX File # XXXX On XX/XX/XXXX, I sent XXXX a letter requesting am investigation under FCRA Section 623 regarding tradelines I previously disputed with Experian and XXXX. These inaccurate tradelines were incorrectly verified by the credit reporting agencies. 

My letter ( attached ) included report numbers from the above-mentioned bureaus ; my name and address ; the account numbers as listed on the credit reports ; and the relevant pages from my Experian credit report ( attached ). 

This letter was sent via Certified Mail, Return Receipt. XXXX received the letter on XX/XX/XXXX ( # XXXX, attached ). 

On XX/XX/XXXX, I received a response from XXXX ( attached ) dated XX/XX/XXXX indicating that my dispute was frivolous and requesting the " specific accounts '' and " an explanation of the basis of the dispute. '' I object for two reasons : ( 1 ) All requested information was provided in my letter of XX/XX/XXXX ; ( 2 )  According to the FTC, the Fair Credit Reporting Act allows XXXX to determine that a dispute is frivolous or irrelevant under certain circumstances but requires them to notify the person who made the dispute of that determination within 5 business days of receiving the dispute. This means that a letter determining my dispute to be frivolous should have been mailed by Friday, XX/XX/XXXX. XXXX 's letter to me is dated XX/XX/XXXX, was postmarked on XX/XX/XXXX ( envelope image attached as Exh. " B '' ) and received on XX/XX/XXXX. Therefore, XXXX has violated my rights under the FCRA.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX and TransUnion  credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on (XX/XX/XXXX,XX/XX/XXXX) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, and (XX/XX/XXXX,XX/XX/XXXX ) TransUnion requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and TransUnion credit reporting agency has NOT provided the method. I have given TransUnion ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, Experian and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/2018 attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) Experian, and ( XX/XX/XXXX,XX/XX/XXXX ) XXXX requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and Experian credit reporting agency has NOT provided the method. I have given Experian ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.

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 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
{$1400.00} was is on my credit stating that I owed this amount and they were informed that this was XXXX XXXX ( a person I dont know ) wrongfully using my information without my permission and now it on my credit.

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 2018-06-03 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filed a series of FCRA disputes with Early Warning Services ( EWS ) via letter sent Certified Mail, Return Receipt ( received XX/XX/XXXX, letter attached as Exhibit " A '' and return receipt attached as Exhibit " B '' ). 

Such disputes involve four ( 4 ) XXXX XXXX XXXX accounts and one ( 1 ) XXXX  XXXX XXXX account incorrectly displayed on my Early Warning Services ( EWS ) report. 

On or about XX/XX/XXXX, I received four ( 4 ) identical letters regarding the XXXX XXXX XXXX disputes indicating that the tradelines were verified ( one of the letters is attached as Exhibit " C '' ). I received no such letter, or any other communication, regarding the XXXX XXXX XXXX dispute. 

In a letter dated XX/XX/XXXX ( attached as Exhibit " D '' and its return receipt, dated XX/XX/XXXX, as Exhibit " E '' ), I noted that the period the FCRA allows for response to disputes had passed, and the XXXX  XXXX XXXX entry must accordingly be deleted. I also requested information regarding the verification methods used in the investigation of the XXXX  XXXX XXXX disputes. 

These requests resulted in more form letters five this time determining my requests to be frivolous or irrelevant. All the letters are identical ( one is attached as Exhibit " F '' ), and none speak to the specific entreaties I made. This leads me to believe that they were sent as a knee-jerk response to my letter, with no consideration or respect given to its content or validity. 

Finally, on XX/XX/XXXX, I received a copy of my EWS report with each page watermarked with the word updated, supposedly as a result of the same investigation requests that EWS deemed frivolous as noted above. I also received a letter dated XX/XX/XXXX stamped " COPY '' regarding the XXXX XXXX dispute, although no such letter was ever sent to me before ( see above ). 

Clearly, these investigation results were furnished well outside of the 30-day period allowed by law ; and they are the result of an investigation EWS have repeatedly refused to conduct. 

Also, my disputes can not be both too frivolous to investigate and valid enough to investigate at the same time. 

My rights under the FCRA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
To whom it may concern : I am having issues with FedLoan Servicing accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. 

I consolidated correctly back in XX/XX/XXXX and began paying my first payment in XX/XX/XXXX with  XXXX XXXX and XXXX  XXXX and have been on qualifying repayment plans since then. 

I have also completed Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX and currently work as a full time XXXX  XXXX from XX/XX/XXXX to current without a break in service. 

XXXX XXXX is telling me that some monthly payments have not counted because of various deferments and forbearances on my account which I know nothing about! I have never applied for any type of deferments or forbearances. 

Customer services representatives give me different information each time I call. Six months ago, I requested a recount of my qualifying payments and one administrative forbearance was removed in the process. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified. I have not heard from them at all. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program were 81. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payments under PSLF were now 75. 

On XX/XX/XXXX I made contact with myfedloan.org Customer Service Rep ( XXXX employee # XXXX ) and explained that I have documentation from Fedloan Servicing stating as of XX/XX/XXXX I have made 81 payments under the PSLF Program. XXXX informed that she would submit my request for investigation and would receive a response in 90 days by XX/XX/XXXX. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) stated its a system issue. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) After submitting my yearly employment recertification my PSLF Qualifying payments were incorrectly adjust to 57 on one loan and 59 on another loan. 

Please help, Ive devoted my career as a public service employee and have abide by the rules of the PSLF program. I feel that XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03 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: Home Point Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX reported that between XX/XX/2018 and XX/XX/2018 I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/18 and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to XXXX that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My first time home owners loan was denied, on the premis of already having a loan. my credit report shows that i opened a first time housing loan in XX/XX/1995. The loan is with Bank of america, N.A XXXX in the amount of XXXX . I was XXXX years old at the time and beilieve the information was added to my account in error.

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 2018-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
From XX/XX/2018 until the present time I sent many letters to Transunion, XXXX and XXXX in regards to the change of addresses that are not mine. I've sent proof of my current addresses such as my bank statement, drivers license and my car registration.All three refuse to delete my old addresses. Also I have two collection accounts that do not belong to me and I am not getting no where at all. I've calling the original collectors and they were very rude to me when I asked question about the debt that they are saying that I owe that do not belong to me.

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 2018-06-03 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: IL

Complaint narrative:
XX/XX/2018 I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( Redacted ) RE : Account # ( Redacted ) Dear Sir or Madame, I received your correspondence based on the fictitious request to pay a debt that has not been established. As I shared with your representative on multiple occasions I do not owe this debt. You sent me a ledger which is controlled by local office representatives at Residences of XXXX XXXX.Please send me a copy of an executed lease that states there is an " automatic '' charge to replace the carpet simply because there was a pet living there. 

There was a walk-through performed with maintenance the day before I moved out and due to it being a Sunday I made arrangements to leave the keys in the apartment on the air vent next to the sliding glass doors. Maintenance stated that there is no carpet damage and therefore would sign off on the condition of the apartment which had minimal customary wear and tear. 

So the long and short of this is not a ledger from the property management but a bill from the provider of the cleaning/replacement service with my former address including apartment number during the time frame within 30-days of my exit. 

If you do not provide me evidence that a neutral third-party provider billed for damages to XXXX XXXX XXXX XXXX ( Redacted ) on a valid date then I am insisting that you no longer contact me about this bill and I also will give notice to you that you have 30-days to respond or remove this debt from my credit report. 

I will be seeking the following options against you as the representative on behalf of Residences of XXXX XXXX to include : *Filing a complaint with the Consumer Financial Protection Bureau *File a complaint with the State of Illinois ' Attorney General *File a complaint with the Better Business Bureau *File a civil suit in state court for damages of up to {$1000.00} I appreciate you expedited response to this request and I am sending you back your correspondence as it lacks no breakdown of charges. 

Respectfully yours, ( redacted )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: CA

Complaint narrative:
XXXX XXXX XXXX reported that between XX/XX/XXXX and XX/XX/XXXX I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/XXXX and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to TransUnion that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.

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 2018-06-03 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: MI

Complaint narrative:
Dear Sir, It has been communicated to Trans Union that my Name to be mentioned correctly as per the social, DOB and various identification, there is no dot or punctuation marks in the names, and respective credit bureaus responded me back with written response that name is printed correctly. Trans Union did not address this concern, which was raised in my complaint and also communicated to trans union multiple times. I also ran the credit report on XX/XX/XXXX and still appearing the dot/punctuation mark after my middle initial, which needs to be corrected to avoid fraudulent activities and identification theft issues. Could you kindly direct TU to remove the false address with wrong street and apartment number in the credit report generated on XX/XX/XXXX. I sincerely request Consumer Finance Bureau to refer complaint to federal officer as TU has kept on reporting false details in my report even though Consumer Finance Bureau directed Trans Union to correct my personal details [ Attached the report generated on XX/XX/XXXX ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: NJ

Complaint narrative:
By Certified Letter Return Receipt dated XX/XX/XXXX, I disputed these inaccurate entries on my TransUnion credit report : ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX  and this authorized inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

This letter included my name, address, last 4 digits of my Social Security Number, a copy of the relevant pages of my TransUnion credit report and other documentation ( see below ). 

The letter and its enclosures are attached, along with return receipt for same. 

The enclosures demonstrate that neither the XXXX XXXX entry or the XXXX entry are accurate ; in the case of XXXX, I sent them a letter directly on XX/XX/XXXX, to the address listed on my credit report, asking them to verify the entry. They received this letter on XX/XX/XXXX and did not respond. Both the letter and return receipt are attached to the XX/XX/XXXX TransUnion letter enclosed with this complaint. 

On XX/XX/XXXX, TransUnion responded to my letter indicating that the XXXX entry was verified as belonging to me, disregarding my documentation. 

No response was received regarding the other two disputed tradelines. 

These are clear violations of my rights under the FCRA.

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