vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2019I viewed an update copy of my credit reports and noticed that XXXX XXXX Is reporting incorrect information on my credit bureaus file. XXXX   XXXX is reporting that this closed Credit Card account has been included in a Chapter XXXX Bankruptcy. I have previously on " XX/XX/2019 '', " XX/XX/2019 '' and XX/XX/2019 disputed this closed credit card account directly with XXXX XXXX. XXXX XXXX responded back to me each time that I am claiming " Account Fraud '' and that they will not investigate due to limited information. ( please see attached letters from XXXX XXXX ). 
I have never documented in any of my disputes to XXXX XXXX " Account Fraud ''. I requested to them in writing that they are reporting incorrect information to the credit bureaus that should be deleted immediately. XXXX XXXX last reported this incorrect information on XX/XX/2019. As of XX/XX/2019I do not have an active or closed Bankruptcy filed under my name or my SSN. ( Please see highlights on attach file showing Proof of no bankruptcy file. )

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 2019-11-02 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: FL

Complaint narrative:
Hello, I have been disputing a total of 18 inaccurate student loan late payments from XX/XX/2015- XX/XX/2015 ( accounts-XXXX/ XXXX XXXX ) that recently appeared on my credit report with Equifax. Also the same accounts are reported differently with XXXX I had my address updated with them, also providing a valid and current Driver License and Social Security card and banking statement with my correct current address during disputes. Because they sent letters to my current address requesting verification of my identity, but still report wrong address on my credit report How is that possible? I even called them numerous of times to have them update my identity with current information. So now I pull my credit report and they are yet again still reporting wrong address ( proof enclosed ) and now these late payments have shown up on accounts listed which were not there before. Clearly a violation with the FCRA, and I want to take legal action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: TekCollect Inc.
State: TX

Complaint narrative:
Tek Collect XXXX. XXXX XXXX XXXX Oh XXXX Is reporting a {$240.00} account on all 3 credit reports XXXX XXXX XXXX XXXX I have never had an account with this company violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: FL

Complaint narrative:
On XX/XX/2019 I sent a letter to Trans-union notifying them that XXXX XXXX had made an error on my credit with the closed card ending XXXX. As they had incorrectly reported late payments and a charge off on my credit. They said they would re-investigate, upon re-investigation Trans-union claimed that the company verified the information was correct which according to XXXX XXXX in their response was not so. Instead XXXX XXXX stated that they have repeatedly asked Trans-union to remove the negative information and they have ignored them. This leads to my complaint. If the company that reported the information is telling the CRA that the information is incorrect! and the client is also telling the CRA the same, why wont the CRA remove the information?! I have repeatedly informed Trans-union how their furnishing of this adverse information has impacted me and caused me to be paying substantially high interest rate on credit cards and even being denied credit. Trans-union does not care! I sent another letter again on XXXXXX/XX/2019. Finally on XX/XX/XXXX, after being denied one final time by a creditor I decided to take the final step by sending the response of XXXX XXXX through the CFPB and XXXX, which clearly states Trans-union needs to delete the information ; and Trans-union is now telling me that they need to verify my identity. Why? I have sent multiple copies of my Social and Drivers License to verify my identity, however they have decided to take this unethical tactic because they  do not want to fix the problem. Hopefully by making this complaint through your agency ( CFPB ) Trans-union will actually listen for once and do what the creditor and client has requested to do for the last 6 months!

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 2019-11-02 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: Synovus Bank
State: GA

Complaint narrative:
XXXX keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XX/XX/XXXXand twice in XX/XX/XXXX and again on XX/XX/XXXX First Progress has erroneously reported this account as being recently charged off which reflects in a score decrease each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion not so long ago, had a server error, in which deleted inquires from the credit report! Instead of following section 6.11 of the / FCRA I did not receive a letter within five days, and Transunion just placed the inquiries back onto my  report. 

I reached out at XXXX and was not given any assistance and they acted like there was not a problem, when in fact there was. 

I am requesting any and all credit inquiries from my Transition report to be deleted as it did not follow 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
Consumer complaint received 2019-11-02 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: GA

Complaint narrative:
TransUnion keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XXXX and twice in XXXX of XXXX and again on XX/XX/XXXX XXXX XXXX has erroneously reported this account as being recently charged off which reflects in a score decrease each 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 2019-11-02 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Best Buy/CBNA has started reporting again on my account after 9 years. It was a joint account that I had with an ex. It was charged off and disappeared from my report. Within just a few months ago It reappeared and will not go away. It violates 15 U.S.C. 1681c ( 1 ) of the FCRA and i've tried to resolve it through the dispute processes with no luck. It's adversely negatively affecting my credit and I need this resolved immediately. 

Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, SD 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 2019-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the consumer alert at the link below. 

XXXX XXXX XXXX-not-licensed-XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Massachusetts Educational Financing Authority
State: TX

Complaint narrative:
XXXX XXXX, a large loan servicer, no longer has an easy way to find the loan payoff amount. They changed their website and neglected to implement a solution that is easy for a customer to find. I've spend more than an hour looking. I've also followed up by sending emails to their customer helpline. 

As a regulator, I hope you'll find it concerning that a loan servicer is making it difficult for consumers to payoff their loans in full in order for them to continue to accrue interest. Whether purposeful or not, I believe action should be taken as this is not the first time the company is doing shady things. Just last month New York sued XXXX, the organization that operates XXXX, over wrongly denying loan forgiveness to public servants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/31 I received a voice mail from a man that never stated what company he was with and threatened legal action. A few minutes later my father called and said my mother received the same voice mailx then the receptionist at work came in my office saying the same thing. I called the number back and the lady that answered would not give me a name of the company she was with. She stated my case was being processed to file suit against me on behalf of Ace Cash Express. She gave me an outrageous amount yet gave me an offer to settle out of court. 
She stated that once it was filed I " would be located and prosecuted ''. This intimidation and calling my family and work is beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
The original dept was with XXXX  for bill balance. The dept was sold to Franklin dept collections who contacted my parents who are not in good health to try to collect the dept. The dept has been removed from my report numerous times. Our service now is with XXXX. In my mind now this is just noise because XXXX paid the bill for us to move service to them. 

Please remove from report Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: NY

Complaint narrative:
Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on transunion,   XXXX  or XXXXXXXX I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.

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 2019-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the attached images of the class action lawsuit which includes Mobiloans , LLC XXXX XXXX XXXX for racketeering. Please see the consumer alert at the link below. XXXX XXXX XXXX-not-licensed-XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-11-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on XXXX, equafix or XXXX. I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on XXXX, XXXX or experian. I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.

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 2019-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I sent a letter to Equifax notifying them that XXXX XXXX had made an error on my credit with the closed card ending XXXX. As they had incorrectly reported late payments and a charge off on my credit. They said they would investigate, upon investigation Equifax claimed that the company verified the information was correct which according to XXXX XXXX in their response was not so. Instead XXXX XXXX stated that they have repeatedly asked Equifax to remove the negative information and they have ignored them. This leads to my complaint. If the company that reported the information is telling the CRA ( Credit Reporting Agency ) that the information is incorrect! and the client is also telling the CRA the same, why wont the CRA remove the information?! I have repeatedly informed Equifax how their furnishing of this adverse information has impacted me and caused me to be paying substantially high interest rate on credit cards and even being denied credit. Equifax does not care! I sent another letter again on XX/XX/2019. Finally on XX/XX/XXXX, after being denied one final time by a creditor I decided to take the final step by sending the response of XXXX XXXX through the CFPB and XXXX, which clearly states Equifax needs to delete the information ; and Equifax is now telling me that they need to verify my identity. Why? I have sent multiple copies of my Social and Drivers License to verify my identity, however they have decided to take this unethical tactic because they do not want to fix the problem. Hopefully by making this complaint through your agency ( CFPB ) Equifax will actually listen for once and do what the creditor and client has requested to do for the last 6 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NowackHoward LLC
State: GA

Complaint narrative:
I received a notice from NowackHoward collections on XX/XX/2019 to pay attorneys fees in addition to an HOA fee past due, for total of {$570.00}. Per the letter, a lien on my property is being sent to the Clerk of Court. 

Notification was NEVER sent/received from the HOA or management company that I was past due. They went direct to collections without sending a late notice. 

Subdivision/HOA is XXXX XXXX and XXXX XXXX XXXX XXXX , XXXX. ( Subdivision is located in XXXX, GA ). 

I have contacted the collections group in writing via email to resolve this issue. In communicating with other residents, they did not receive a late notice either. 

A check had already been mailed to the management company, which included the amount due plus late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
There was a collection account placed on my XXXX credit report on XX/XX/XXXX with a balance of {$1800.00} by Portfolio Recovery Services. The original creditor is listed as XXXX XXXX XXXX whom I have NEVER heard of. It is listed that the account was opened in XX/XX/XXXX. I have not opened or applied for any credit accounts in the past year. This is not my account and I do not owe this company any money. I have never received any written or verbal notice of this account either prior to or after it was placed in collection therefore this has been my first and only opportunity to dispute this. I was part of the XXXX data breach as well as a XXXX XXXX XXXX XXXX data breach. I have disputed this directly with XXXX as well as attempted to dispute it with Portfolio Recovery Services

Company response to consumer: Closed with explanation