vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   FL 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 2019-08-20 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:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXN/A XXXXN/A XXXXN/A XXXXN/A XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019ARS ACCOUNT RESOLUTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX  Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-08-20 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: IL

Complaint narrative:
XXXX; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX – partial account number ****XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2019-08-20 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: IL

Complaint narrative:
XXXX; Experian and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2019-08-20 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: GA

Complaint narrative:
XXXX XXXX  AND XXXX XXXX  HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.

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 2019-08-20 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: GA

Complaint narrative:
XXXX XXXX AND XXXX XXXX HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.

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 2019-08-20 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: Nelnet, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX, Nelnet purchased two of my student loans.  I was in deferment at the time.  In XX/XX/XXXX Nelnet reported to the credit bureau I was late on my payments.  I never received information regarding the purchasing of my acct.  My one phone gets about 20 robo calls PER DAY.  I have had to ignore/turn off for peace of mind.  If they tried to call I probably couldn't tell due to the tobo calls.  I discovered Nelnet when I obtained a credit report.  Contact with their acct resolution is did not get the info corrected and stated they cannot correct the credit info.  I would have to have a complete XXXX  discharge that dated back before the report to the credit bureau occurred.  That I signed a paper in XX/XX/XXXXthat I would keep the loaner informed with contact info.  I still live here but phone ??????  Being under impression that I was in deferment......am I to call the lender each week to make sure they have not sold my acct?.  I don't know how students can keep up with so many companies and transfers in the mist if so much fraudulant companies taking advantage of us....especially XXXX yr old ones.  Something needs to be done to clarify who is who and companies responsible for taking deferments with their purchases or alerting the consumer.  Now I have 7 to 10 yrs of bad credit from it.  I trusted the system when I filed for the deferment to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: IL

Complaint narrative:
Equifax; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX   - partial account number XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: DE

Complaint narrative:
The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.XXXX  Report#XXXX XXXX XXXX,TX XXXXTrans Union LLC file#XXXXXXXX XXXX XXXXXXXX,PA XXXXXXXXXXXX XXXX XXXXXXXX,GA XXXXXXXX XXXX  account#XXXX Charge off balance XXXXXXXX  account#XXXX charge off balance XXXXXXXX  account#XXXX  charge off balance 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 2019-08-20 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: DE

Complaint narrative:
The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.XXXX Report#XXXXXXXX XXXX XXXXXXXX,TX XXXXXXXX XXXX XXXX file#XXXXXXXX XXXX XXXXXXXX,PA XXXXEquifaxXXXX XXXX XXXXXXXX,GA XXXXXXXX XXXX account#XXXX Charge off balance $XXXXXXXX account#XXXX  charge off balance $XXXXXXXX/XXXX account#XXXX  charge off balance $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: IL

Complaint narrative:
XXXX; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX - partial account number ****XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2019-08-20 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: IL

Complaint narrative:
XXXX; Experian and XXXX are reporting incorrectly a charge-off on the XXXX   - partial account number XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/19, I purchased a used vehicle financed through Santander Consumer USA. I was informed the first payment will go out approximately 45 days from date of purchase. On XX/XX/2019, I received the first statement in the mail a few days after the statement generated. The statement reads bill due XX/XX/19. I went ahead and paid my first bill in XX/XX/2019.On XX/XX/XXXX, a second statement is generated by Billing Dept from Santander stating the bill owed for $XXXX due on XX/XX/19. Although it states current on the bill. The amount of $XXXX is not been applied for the bill due XX/XX/19, for which was paid on XX/XX/19.I called and spoke to an agent who requested I wait up to a week for the billing department to fix the mistake. After 6 days, I called and was told it has not been fixed. On day 8 ( XX/XX/19) I speak to an agent who finally understood the issue but failed to ignore my request to have a supervisor escalate the issue. On my screen in shows PAST DUE as in delinquent on the XX/XX/19 due date. After 30 minutes on waiting on the phone, I spoke with Supervisor named XXXX. She put me on hold and then said: "Because you paid your bill 30 days earlier, we applied that towards your principal."I firmly stated that this was not my objective but to pay my first bill as it was sent out 30 days earlier from billing department and now I am being punished for paying my first bill due. Clearly not a valid excuse on Santander. I demanded my payment be accredited to my account as there is only 1 bill due and I paid it already. I ask them to fix my account and get it right the first time. After another hold, she returned by stating they need another 3-5 days to fix the mistake. She stated the first agent put in a request for a due date issue and not the issue of the erroneous mistake made by their own billing department with regards to my new loan account. Once again, I am at their mercy to do what is right and fix my account to accredit the payment made in XX/XX/XXXX to reflect the payment due for XX/XX/19.This is not ethical nor a legal transaction that has occurred but rather an unscrupulous attempt to con me into paying off principal at their discretion and ignoring the first payment for the new auto loan. I would like to proceed and continue to file this grievance to the fullest extent of the law.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported:XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: DISCOVER BANK
State: AR

Complaint narrative:
This number called me from an Arkansas area code where I live  ‭+XXXX (XXXX) XXXX‬ .  They said that I was the Discover credit card holder and I’ve paid my payments on time. It was a recording and I do not have a Discover credit card. They asked me if I wanted to lower my interest to click #1.  I am deathly sick of people abusing the phone by using an area code in Arkansas or in my area so that I will pick up the phone. I had got to the point where I wouldn’t answer any calls other than an area code from the state because I was always afraid my family was calling needing help. Now I cannot answer area codes  in my state and if I do I’ll pay for it by having to take time out of my busy life to answer the phone. I am just sick of this and it should be against the law for any wine to get on the computer and make up a phone number and call you because sometimes when I don’t answer the phone I called the number back and it says the number is disconnected or they’ll change their phone  and call me again what’s another number computer generated. I really feel this should be against the law. I know there is no discover business in Arkansas and this was a XXXX area code. Please do something about this.

Company response to consumer: Closed with explanation