vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE. 
2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU. 
( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I was a victim of ID Theft in XX/XX/2017 and filed a police report. There were over a dozen utility accounts created in my name in XXXX, Texas and surrounding cities. I've never resided in Texas. 

Pro Collection placed a collection derogatory item on my credit report, causing my score to drop from XXXX to XXXX. I've sent them the police report and filed a dispute against their charge over a week ago, on XX/XX/XXXX. I called today to inquire and they said my account is locked and they are unable to give me a status update, and then gave me the run around. 

I'm in the process of buying a home and this issue is impeding our ability to purchase a home. If Pro Collect doesn't clear this up immediately with the credit bureaus, we will lose our chance at buying this home. 

Please help us. 

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 2018-07-17 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: TX

Complaint narrative:
XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXX XXXX CARD # XXXX ( XXXX CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX   CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On Saturday, XX/XX/XXXX at XXXXXXXX XXXX I received a citation from a gentlemen my children answered the door and my husband approached him stating that he had a package that required my signature only there was no packaged and provided me with a Justice Court Citation document with Docket Number XXXX issued by TD Bank USA, NA regarding a XXXX  Credit Card. Sending someone to my home was unacceptable and the delivery person said this was in reference to a Debt in front my my daughter and overheard by my brother in law which is a privacy issue. On Monday, XX/XX/XXXX I sent an email to the court advising them that I had received this document that I was being sued by TD Bank and asked them how do I respond as the document stated that I could have a Judgement placed for no response. The court advise the email I sent was valid to serve as my response. I then replied to the court on XX/XX/XXXX requesting information on a payment arrangement or information as to who is handling the account as I am unable to pay the full amount they requested. The advised that they were not allowed to give information and to contact the Attorney. I sent them an email that afternoon at XXXXXXXX XXXX to XXXX requesting the information and received no response. I am only dealing with them in writing and want information as to which debt agency is handling this account so that I can setup payment arrangement to avoid a Judgement as I feel that I have responded to them in a timely manner. In addition, they violated privacy rights by telling me in front of my home where other 3rd parties could hear that this is in reference to a Debt. This is threatening tactics and there are no signatures on this document this is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Again, PNC engaged in fraud and predatory behaviors. Why was I given onerous terms and how did I not get better terms for my mortgage loan? Again, PNC has refused to provide any information regarding similarly selected applicants who received loan. PNC is a criminal organization and should be investigated for their loan practices to XXXX XXXX. I sincerely believe I was treated differently and was discriminated against due to my race. After all this time and delays, the response from PNC was quite dismissive and plaIn wrong. Their response is clearly a non-response and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
This is a fraudulent account and State Farm has failed to provide proof that my rights have not been violated. Please delete and block immediately from my XXXX  and XXXX  credit report.

State Farm Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: CA

Complaint narrative:
Over 30 days ago I sent Equifax a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. In fact there was never a late payment on this loan. As I did more research Equifax is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. XXXX  is showing the account as paid but all three bureaus are showing different balances and open dates. Since Equifax seems that they are not in any hurry to fix this problem I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
dates unsure, do not owe {$1100.00}, do not owe debt to this company, did not establish debt with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
The following account is fraudulent and needs to be deleted and blocked immediately from my XXXX   credit report. 

XXXX  XXXX XXXX Account # : 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 2018-07-17 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:
The following account needs to be deleted and blocked from my Experian credit report because it is fraudulent. 

XXXX  XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I used an American Express Serve Card, said to be secure and have Fraud Protection. It must be connected to a checking account to load money or one can load it at a store for a fee. On XX/XX/XXXX I received an email from AMEX Serve asking to verify that I changed my email address for the account. I had not so I called. Its diffi to get anyone to help you for this problem. I was in the phone with Serve as another purchase was made, all in Florida. 1st {$200.00} was loaded out of my checking account. The card had a balance. {$310.00} was taken. They said theyd open a case for me. 2 days later I received an email from them. They closed my account because I violated the agreement by committing fraud! What?!! When I called to discus they would not discuss it. They said their investigation is closed and there is NO one else to complain to, no where to write no one else to call and then the person hung up on me. I tried again with the same result. Please stop these people. This is a bad card with no protection. They are misleading consumers by stating that the card is secure. It absolutely is NOT! Also, they shut the card down and wiped the account from the stat. Now I can not see the transactions to file a report or to document. I do hope that something is done. This is poor customer service and fraud on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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:
Transunion needs to delete and block this account immediately because it is fraudulent, XXXX XXXX XXXX   Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: STATE FARM BANK, FSB
State: GA

Complaint narrative:
XXXX  needs to delete and block this account immediately because it is fraudulent, State Farm Bank Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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:
XXXX  needs to delete and block this account immediately because it is fraudulent, XXXX XXXX XXXX   Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: CA

Complaint narrative:
Over 30 days ago I sent TransUnion a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. TransUnion is showing me being late 60 days when In fact there was never a late payment on this account. TransUnion is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. Experian is showing the account as paid but all three bureaus are showing different balances and open dates. TransUnion seems that they are not in any hurry to fix this problem! So I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached. This information provides all the proper data to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
XXXX  XXXX XXXX has been sending me a collection bill in the amount of {$750.00}. They have alleged that I owed XXXX XXXX XXXX that amount. They are claiming that this account was opened in XX/XX/2016. That is further from the truth because I have been a loyal customer of XXXX for many years and prior to XXXX, I was a loyal customer to XXXX. I have been going through this for years! These scavenger collectors illegally try to collect on a debt that I don't owe. They re-age this alleged debt and it pops up on my credit report. This is unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: CA

Complaint narrative:
credit agencies are listing a negative account balance that does not belong to me and is fraud on my credit files I have requested the removal of this account and they have not done so or notified me of the results within thirty days they have not investigated this matter and this has caused a great deal of hardship and has had a major negative impact on my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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:
credit agencies are listing a negative account balance that does not belong to me and is fraud on my credit files I have requested the removal of this account and they have not done so or notified me of the results within thirty days they have not investigated this matter and this has caused a great deal of hardship and has had a major negative impact on my life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: CA

Complaint narrative:
This is the SEVENTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX  XXXX XXXX that all the other credit agencys deleted except for XXXX XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time XXXX XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This loan was originated from XXXX XXXX College in XX/XX/XXXX. The school was shut down by the Board of Education on XX/XX/XXXX. With no notice, heads up. Just Abruptly shut down. All other loans were discharged. Why not this one. 

Total : XXXX as of XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
NORDSTROM/TD BANK USA XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by Nordstrom who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: PA

Complaint narrative:
On XX/XX/2018 the collection agency allied interstate LLC showed up on my credit report with any previous notifications or phone calls for the amount of XXXX dollars. I then try to call this company to get this verified or to why are they on my credit report i adk for verification of debt i was told that i had to go to original cretitor to verify the debt with will be XXXX XXXX. The problem here is allied interstate llc shows up on my report they cant verify the debt but not only that i have to verify with original creditor plus i was never notified on this debt. Allied interstate LLC should have some kind of debt ferification and contract as well they are reporting unverified information on my credit report. I do not have any documents because allied interstate llc does not have my adress and im unsure if I should tell them my adress as they may later try to use it to verify information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by XXXX who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!

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