vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The credit card statements fail to indicate the correct balance subject to each specific due date f or each balance transfer due. This inhibits retail customers from knowing the expiration date for each balance transfer amount and makes it more likely the consumer will be charged additional i nterest. I'd like to know if it is a requirement for this info to be provided and if not, what congres sional body ( committee ) I could contact to have them evaluate this concern.

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 2020-02-13 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: TN

Complaint narrative:
LOOKING TO BUY A NEW HOME WHEN THE BANK INFO ME OF ACCOUNTS ON MY PROFILE THAT MAYBE DO TO FRAUD

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 2020-02-13 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX. I received a written notice from I.Q. Data International stating  they were a debt collection agency and we're attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. This was the first and only written communication I have received from IQ Data International and have never received any communication from XXXX XXXX XXXX XXXX. 

On or about XX/XX/XXXX, I called the account Representative at IQ Data International, XXXX XXXX, for an explanation of the debt. Mr. XXXX explained that the debt is a result of additional charges due that were not covered by the security deposit upon termination of a lease at XXXX XXXX XXXX. I explained to Mr. XXXX that I formally disputed the debt. Mr. XXXX provided me the name and email address of his supervisor. And instructed me to email a dispute letter to her. 

On XX/XX/XXXX I emailed a dispute letter to the IQ Data International manager,  XXXX XXXX at the email address provided to me by Mr. XXXX advising IQ Data that I disputed the debt in its entirety. 

On XX/XX/XXXX, a derogatory entry was made on my son 's credit report. On that same date, I emailed Ms. XXXX demanding the entry be removed as the entire debt was in dispute. On XX/XX/XXXX, a derogatory entry was made on my credit report for the same debt. 

Currently, and as explained to IQ Data International, this debt has been disputed in its entirety and is working its way through the Civil claims court process.

I believe that I Q Data International violated the FDCPA law 809 ( b ) by entering derogatory remarks on both my and my son 's credit reports despite having been notified this debt being disputed in its entirety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TN

Complaint narrative:
LOOKING TO BUY A NEW HOME WHEN MY BANKER INFO ME THAT IT WAS MANY ACCOUNTS THAT WAS MINE

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 2020-02-13 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:
I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: FL

Complaint narrative:
I am writing because I have tried on numerous occasions to contact equifax to have them remove this delinquency from my credit report the account is paid in full but it still appears on my credit report as a derogatory mark making my credit score super low please remove this from my report it is causing me not be able to get apartments and other important financial instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
In XXXX my ex-husband bought a car at XXXX XXXX  XXXX, Virginia. Our original car loan was through Citifinancial. In XXXX, I traded the car in after our divorce for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Virginia. I paid {$3000.00} as a downpayment and completed the sale. XXXX XXXX XXXX did not pay the balance on the loan with Citifinancial, and found out that the balance had been transferred to XXXX. I contacted XXXX several times to give them copies of the paperwork of the sale of the car, including the documents showing that the dealership had purchased the vehicle. 

In XXXX XXXX and few other finance companies sued XXXX XXXX XXXX in XXXX Circuit Court for the funds that they never received from the sale and trade-in of multiple cars. 

I started receiving debt collection notifications this year, again from law firms, claiming they are taking me to court for the remaining {$10000.00} balance. I live in XXXX, XXXX, and I asked for paperwork confirming their identities and confirming that there is an actual legal case. They refused to send me any paperwork, talk to a more senior person, as well as provide a copy of the debt. 

I called them on XXXX on XXXX XX/XX/XXXX, at XXXX XXXX XXXX, XXXX time. They claim to be XXXX XXXX XXXX, there is no information online about this company, and they continue to leave threatening messages on both my Mom, XXXX XXXX 's cell phone XXXX and my sister, XXXX XXXX 's cell phone XXXX. 

I have not had documentation for this since 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 2020-02-13 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: TN

Complaint narrative:
LOOKING TO BUY A NEW HOME WHEN MY BANKER INFO ME THAT IT WAS MANY ACCOUNTS THAT WAS MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NV

Complaint narrative:
XXXX  credit reporting refuses to remove invalid unathorized items from my credit report this issue has been mentioned numerous times still this credit reporting agency and equifax refuse to remove invalid unathorized charges that doesnot belong tome and invalid remove from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NV

Complaint narrative:
XXXX  credit reporting refuses to remove invalid unathorized items from my credit report this issue has been mentioned numerous times still this credit reporting agency and XXXX refuse to remove invalid unathorized charges that doesnot belong tome and invalid remove from my credit report?

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 2020-02-13 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness.. 

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
Credit Control Corp claims that they sent their standard validation package to me, which I never received, and yet they claim by their standards, that since there was no returned to sender that I received their validation package. They have no proof I did. If they wanted proof, I received their letters, and validation info then the letters would been sent certified mail. Which I sent to them on several occasions, therefore I knew that they received the packages I sent to them. They are in violation of FDCPA by NOT providing me validation information within 30 days, and proof that I received it. Further more they are in violation of the FDCPA by reporting a past due balance to the credit bureaus on a collection account and compounding the violations every time they verify the account as accurate! I am attaching my disputes submitted to Credit Control Corp, yet I do not have their responses since I did not receive any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
company took over 30 days to investigate issue that violates federal law. also company stated that account does not show on my credit report but it still does show.this is the response that was given under reply to fcra complaint number XXXX the proof that is still shows ran today is below and attached. request XXXX per federal violation. 


the company took over 30 days per fcra to reply with complete resolution to compliant that violated federal law. after 30 days by federal law if complaint can not be resolved item must be removed. they did not follow this federal law. aslo they stated that acct is not on my credit report from XXXX..XXXX ... XXXX XXXX XXXX XXXX XXXX for acct ending in XXXX on XX/XX/XXXX but ran credit report XX/XX/XXXX and still see acct on file with cra. shown below ... ..Home  XXXX XXXX Account Preferences Message Center, you have 0 unread messages0 YOUR CREDIT YOUR IDENTITY Credit Report Date You still have 4 of 6 free Equifax credit reports available before XX/XX/XXXX. 
Get my free credit report XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number xxxxxxxxxx XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed 50 Activity Designator Terms Frequency Term Duration 48 MONTHS Purchased From Sold To Balance and Amounts Balance {$430.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX EFX  ticker symbol Privacy Policy Terms of UseAd Choices Copyright XXXX Equifax Inc. All rights reserved. 

Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XXXX XXXX, XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX, XXXX see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XXXX XXXX, XXXX XXXX PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I've been struggling to pay off this Student loan for over 15 years now with Navient back then was Sallie Mae kept increasing balances with Forbearance and deferments. I was unable to include my student loan in my recent bankruptcy case and I am still having to make payments for this loan. The school I originally attended has since closed it's doors and lost all accreditation. My diploma is technically invalid and I am still stuck with this Navient debt. Need professional help to clear debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Check Fraud Services
State: TX

Complaint narrative:
Hello, Today, I fell victim to a student loan consolidation fraud and I need assistance. I received a phone call saying they ( XXXX XXXX is the marketer that called ) were associated with the student loan advisory board and when I called the number he left, ( XXXX ) XXXX, they said they were with the Department of Education, which I now know was a scam but did not catch it sooner. The promised to consolidate my loans and spread out my fees for this over 4 months paying {$210.00} a month, and {$160.00} plus {$19.00} afterward for 120 months. 

The number that called me was ( XXXX ) XXXX, and his name is XXXX XXXX. The person I spoke with XXXX who's emplyee number is XXXX Station : XXXX and phone number is XXXX. 

Please help.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After my chapter XXXX discharge, Transunion is incorrectly reporting accounts that have been discharged, as derogatory witch results in a double negative and a much lower score than the other 2 credit bureau. I have tried to dispute, and they still misreport. Accounts should be listed as closed, included in bankruptcy chapter 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 2020-02-13 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness..

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around

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 2020-02-13 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: TN

Complaint narrative:
TransUnion has blocked me from starting an online dispute today XX/XX/2020. I want to address XXXX   XXXX, that inquire my credit report with TransUnion, that they are refusing to accurately report credit information regarding bankruptcies XXXX & XXXX. I have filed a new lawsuit against TransUnion as of XX/XX/2020.

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 2020-02-13 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:
I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions

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 2020-02-13 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:
I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions

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 2020-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 2288984 Ontario Inc.
State: CA

Complaint narrative:
This is a payday loan from MOney Key. Somewhere along the line a Company called XXXX called me and my spouse using legal action and would file a record of fraud on me. I asked for verification debt and what there address was and they refused and told me they were just going to proceed. I got scared and paid them {$300.00} I want my money back till I get my verification which they refused and they wouldn't give me there address of where they are at.

Company response to consumer: Closed with explanation