vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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 CFPB, To whom can help me. TransUnion is continuing to violate my rights and continues to violate FCRA Laws put in place to protect citizens of the United States of America. TransUnion continues to report a fraudulent address on my credit profile for many months after disputing it. TransUnion has re-inserted 2 fraudulent accounts back into my report without a 5-DAY FORECAST, a forecast that protects the  consumers and gives them a chance to contest the reinsertion of a deleted account. No furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, or disguise it and re-report it, without notifying the consumer and giving he/she the opportunity to contest it. TransUnion has violated this law and thus has violated my rights. Please delete the fraudulent accounts and address listed below : ( 1. XXXX XXXX XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- - XXXX -- -- -- -- -- -Closed - {$0.00} -- -- -- -- -deleted -> reinserted under false procedures ) ( 2.  XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -Closed - {$0.00} Deleted -> reinserted under false procedures ) ( 3. Inaccurate address -- -- -- -- -- XXXX XXXX XXXX, XXXX, MI XXXX -- -- - ) This is the 4th and final attempt, I can not allow TransUnion to continue decimating my credit profile and humiliating me by denying me the right to transportation and housing. This will be my intention to suit TransUnion for poorly procedures and violating my rights and the FCRA Laws. Thank You in advance for your help, effort, and time.

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 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
I received a notice in the mail for 4 different collection amounts. I have been disputing this with my insurance and the medical office for over 3 years now. I called today to pay the amount owed but was not willing to pay a ridiculous amount of interest. I explained due to the situation we are in being I'm the only one working and my husband having XXXX  XXXX XXXX XXXX I can't pay the interest but will pay the original amount due. He stated in order to get it off my credit I had to pay the interest, I said ok fine then I will call the medical office where this came from and pay them directly since they don't own the account he said. He then stated I can't do that cause it will not come off my credit. I said if you don't own it how will it not come off my credit report, cause we reported you he stated. He also told me he looked me up and saw what I do for a living so I must know what I'm doing and need to pay them. He also told me he sent me 24 notices which is incorrect. Once I got a hold of the medical biller ( XXXX  ) at the doctors ' office they told me I can pay them directly without interest and they would take it off my credit. I ended up paying the collection company cause they harassed me and told me it would not go away and that they can show the court when we go how many times they've contacted me which is incorrect. I would like the money I paid to them for interest and to take it off my credit report back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX AUTO XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX  XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM 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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THE XXXX  XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM 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 non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Received a collection letter from CashNetUSA mailed to my home with my name and address. I have never done business with them nor would I ever take a payday loan. When I called to inquire, they pressed for my personal information, which I refused to answer. They would not provide any details unless I gave them my personal information, which I refused. They claim I owe them {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Went to XXXX XXXX for days and plan some work. I did not know I had signed a credit agreement. I did not have the work done as I ended in the hospital. I have been getting bills from a company called XXXX XXXX for {$3700.00} work I never got done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: MI

Complaint narrative:
Received from the first attempt to be repaid for the amount in excess to the amount owed. Notice of overpayment received. Referred to XXXX at XXXX XXXX XXXX to leave voicemail requesting my refund. No voicemail no email nor check received for the amount extra taken. 

XXXX in excess my income taxes military pay indicates a different amount owed on the bottom of XX/XX/XXXX. 
XXXX from my military pay on XX/XX/XXXX XXXX refund on notice 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 2020-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have recently had my credit pulled by a Mortgage Broker and there are numerous collections that do not belong to me and I have never had any of the collections of these sorts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM 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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, My Transunion credit bureau reflects a debt from XXXX XXXX XXXX XXXX XXXX {$1300.00}, listing the original creditor as XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent my third letter to XXXX XXXX XXXX XXXX and a copy of this letter certified tr # XXXX to Transunion requesting a verification of this debt. As of XX/XX/XXXX I have still not received any verification, yet they continue to report this debt. Under FCRA Section 616 and 617 this is willful and negligent noncompliance. Under section 611 they are required to delete all information which can not be verified. 

I ask that you please cite my complaint for non compliance by both Transunion and XXXX XXXX. 

Thank you

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM 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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM 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 non-monetary relief
Consumer complaint received 2020-04-06 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

UNIVERSITY XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$410.00} XXXX XXXX {$300.00} XXXX XXXX {$870.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
I went to see my Primary Doctor and XXXX XX/XX/2017. I had no insurance and paid out of pocket. It seems that XXXX XXXX XXXX took over and has explained they have been having problems with XXXX XXXX and wrong billing. They asked me to send them an email with the bill attached and no one seems to know who can handle it at this time. This is affecting my credit score and I did not have any lab results or gave permission for them to send it to XXXX XXXX. I tried calling have been passed around in the call center many times and have multiple times to resolve and dispute the charge for {$580.00} that was sent from the XXXX XXXX location to XXXX XXXX, to a collection agency named American Medical Collection Agency who reported it and affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: CA

Complaint narrative:
I applied for a home to rent, on XX/XX/XXXX, and the realtor agency made a " hard '' inquiry instead of a " soft '' inquiry. I never agreed/signed anything giving them permission to make a hard inquiry. this hard inquiry seems to have dropped my credit score by 182 points ... an extremely significant amount. i decided not to sign a lease with them. and since the extreme drop in my credit score has lowered my credibility, i am having difficulty applying for other homes. no owner wants to rent to me without a co-signer and/or raising the security deposit 3 to 4 times higher. i have called the realtor, the company they used to make the inquiry, and XXXX directly. No one seems to be able to remove this hard inquiry from my report. I'm hoping you can help. I have a XXXX due in XXXX and we could really use a bigger home right now. 

Here 's the realtor who initiated our rental application : XXXX XXXX XXXX XXXX XXXX, CA phone : XXXX They used : CONTEMPORARY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$510.00} XXXX/XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$510.00} XXXX/XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX, XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I only have 1 Capital 1 card with a XXXX credit limit. I canceled it and owe like {$300.00}. I been making payments on it every month. They have me with 2 cards on my credit and reporting past due on the one I have no knowledge of. I want it off my credit. Its hurting my credit badly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
I mailed my payment to Emerge early a bill I mailed on the same day was cashed on the XX/XX/XXXX my Emerge bill wasnt due until the XX/XX/XXXX of the next month. They held the check and didnt cash it until the XX/XX/XXXX. They charged me a {$19.00} dollar fee on XX/XX/XXXX and negatively impacted my credit. I wrote them a letter and disputed the charge. I received a letter back today dated XX/XX/20 from XXXX # XXXX refusing to correct fraudulent charge. 

Emerge XXXX XXXX XXXX XXXX, GA. 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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX, XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM 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 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX I sent Penn Credit the exact letter below. I provided them with the correct information and my address was included. They have yet to reply and it is the XX/XX/XXXX. I believe this falls within the 30 days and debt should be removed. I also provided them with a copy of my credit report show the debt was still being reported despite my request to stop reporting it. I also verified that my letter was received by Penn Credit over a month ago. 

Account info XXXX Collections date XX/XX/XXXX Balance {$1900.00} Original {$2100.00} Penn Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. During the reported date opened I was overseas and without any services in the United States. 

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation