vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED, USDOE/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I CALLED REQUESTING ANSWERS AS TO : How and why did my credit score dropped 15 points ; and I was told about something that happened more then two years ago. I also was told since I have a XXXX balance on my opened credit accounts, and I am not using them on a regular base, that to will cause a decease. 

However, I told the bureau that over two years ago, I turned a vehicle back to the : Lending company, and was not told that it will reflect a navigate, if and when they resell the vehicle. 

Also, regarding the credit card accounts, I had paid them off around XXXX or XXXX of XXXX. I told the bureau, that when I paid them off, it did not show any navigate reflections against me ; therefore, I asked again, why am I receiving 15 points taken away from me.

Non of the bureau would or could answer that question. I was told to talk to a financial Advisor, which I did. I called XXXX Financial department, and they could not explain why the 15 decease based on my dispute with the bureaus. 

My theory there's a conspiracy of keeping some consumers in a bind. I state this because, many times in the pass this issued happened where the bureaus would take from 10 to 20 points from my credit report, but when any errors or corrections take place, they would issue maybe 1-3 point in  return ; which is bogus.I am very disappointed regarding how this is going for me. My social security number was compromised in XXXX, and its has taken me over 15 years to rebuilding due to Government listing my social security number on a unemployment form that was mailed to my resident ; and I am continually fighting to keep my credit in good standards. 

Please look into this matter. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT VETS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The account is being reported incorrectly. I see several repetitive late marks which is a violation. Also, the date last active is inaccurate XXXX  is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. All 3 dates should be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of TD Auto Finance. The letter from TD Auto Finance/XXXX XXXX XXXX is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fraud alert removal

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 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
I continue to receive notices regarding a toll violation/fees owed. I have no knowledge of this debt and never received information on a way to dispute this debt. The company continues to report negatively on my credit after several attempts to have removed from credit report and continues to be placed back on report. I believe this debt is fraudulent and have no knowledge of where this debt came from and company their acting on behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allegiant Capital Recovery LLC
State: TX

Complaint narrative:
I received a call at my place of employment XX/XX/XXXX @ XXXX pm from a spoofed number ; XXXX left a message to call XXXX. When I called the number back to obtain an address he refused to provide the address and escalated the call. The lady that came to the phone asked why I wanted the address and I advised I wanted to send a cease and desist letter. She refused to give me the address unless I gave her my name. Based on the company name of ( Allegiant ) I was given by XXXX they are possibly located in New York which means they spoofed their number by using a fake number in my local area ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been charged a late fee of {$39.00} every month for the year despite making payments. This is in addition to 24 % interest charge as well as annual fee. Also, the institution is reporting me to the credit bureau affecting my credit in disfavor lowering my rating. I was making payments of $ XXXX monthly while I was on travel which was communicated to a representative before my trip of a destination with no internet access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX  card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting 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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Would like these items removed from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
First, XXXX is correct. 

Experian and XXXX are not and I have contacted Experian, XXXX and XXXX XXXX to correct the information without success. 

XXXX XXXX XXXX had a business credit card with XXXX XXXX that was guaranteed by me. 

The business closed. 
Both Experian and XXXX show the XXXX XXXX XXXX credit card as my having primary responsibility when, in fact, the business had primary responsibility for the credit card and I was the guarantor. 

The business closed end of XXXX. Captial One closed the business credit card account and wrote it off of their books XX/XX/XXXX. 

I made 6 months of agreed upon payments for the period XX/XX/XXXX through and including XX/XX/XXXX. 

Their collections company contacted me XX/XX/XXXX. I contacted the collections company XX/XX/XXXX and have not received a response. 

In addition, when I tried to log onto XXXX  XXXX to see current credit card balance for my XXXX XXXX, I was unable to do because per XXXX XXXX, the account does not exist. 

My credit score is continuing to be dinged because it states : 1. I had primary responsibility to pay the credit card account instead of stating the business 2.States I had no payments XX/XX/XXXX- XX/XX/XXXX. My pmt agreement was made with XXXX XXXX and I was advised at the time that my XXXX XXXX had already written off the business credit card account. 
3. Continues to state I am behind on payment and not making any payments even though the account was written off of XXXX XXXX and no longer exists. 

Once the account was written off by XXXX XXXX it should have been removed from both Experian and XXXX  as a current account so that I am not continuing to be dinged for this account that no longer exists.

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 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This letter is in reference to # XXXX by XXXX XXXX XXXX , XXXX, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from PayPay Inc for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX. 

Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with PayPal, Inc and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted PayPal Holdings, Inc by phone on XX/XX/XXXX at approximately XXXX XXXX  with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the PayPay Holdings, Inc records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by PayPay Holdings, Inc to collect on a balance. 

Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XX/XX/2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting 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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting 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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: The Outsource Group, Inc
State: HI

Complaint narrative:
My medical insurance reversed a bunch of payments saying that I had other health insurance which wasn't the case. I notified XXXX, the original creditor what had happened and they were supposed to resubmit the claim to tricare for processing. They never did, even though I called XXXX XXXX billing department on 12 different occasions. Recently XXXX turned over the debt to Medicredit for collection. Rather than contacting me about the debt to be disputed they went and placed it on my credit report. 

I contacted medicredit to dispute the claim and they sent me back a letter saying that I was wrong and the debt was write which is a failure to validate the debt.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Old items reappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT VETS.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Doctors office staff said they were a member of my medical insurance, copied my insurance card then said that they were not in my insurance plan and is trying to collect for service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Trying to order my credit report from Transunion ( XXXX ), and again TransUnion failed to grant access to my credit report. 

This is my third complaint to the CFPB about TU refusing to provide my credit report. 

I visited XXXX, entered my info and when I submitted, I received the following error - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation '' A screenshot of this incident is attached. 

I can't imagine the law provides for Transunion to decline requests for any credit report that contains a disputed item.

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 2019-10-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Pioneer, a division of Navient, has contacted friends and family about my student loan debt, even though they spoke with me at my phone number and I confirmed my address, which hasn't changed for 18 years. 
I am in the process of consolidating my loans, which I told her, and she insists that I work with her. I have been ignoring a dozen cell calls daily while I'm at work, and she is also repeatedly calling my wife 's cell at work. Yesterday and today, she has called my daughters, a friend 's daughter, friends, and my sister-in-law. We have the voice mails she left as evidence. 
This would only be okay if she was trying to locate me, which she doesn't need to do, since I spoke with her 3 weeks ago and confirmed my address, when she reached me at my phone number. 
I want her punished to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went to the XXXX store to inquire about getting a new XXXX   and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!

Company response to consumer: Closed with explanation