vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validity of it and asked that the item is removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

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 2017-08-17 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: MA

Complaint narrative:
About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXX like car loans credit cards and other agencies

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 2017-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, For the last month, I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty, inaccurate/incomplete information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact. Apart from that, my new credit report has addition incomplete/inaccurate information. Either the creditors can not verify the address they have on their file for these accounts or this company blatantly violated FCRA. Clearly, on my credit report, they are showing " address identification number : NOT AVAILABLE ''. They are showing " Not Reported and No Data '' as well. These are just some of the proof that this company violated FCRA blatantly! Attached is a copy of the first letter I sent them and a copy of 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 non-monetary relief
Consumer complaint received 2017-08-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXXlike car loans credit cards and other agencies

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 2017-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: LA

Complaint narrative:
I got a call today on my cell phone and when I answered it they man named XXXX XXXX told me that he was with the fraud department and and my County XXXX XXXX XXXX or suing me there was a warrant for my arrest and he said it twice he did not tell me what company he was with all he told me that he was with the fraud department and I was being sued by XXXX XXXX XXXX and I asked why then he told me it was a credit card that I 've never even heard of that was taken out in 2015 and I told him I do n't I do n't know anything about it and then he told me that then he told me that I was going to be summons and I was going to court then he asked where I worked and I told him I do not work and he told me that they 're going to garnish my wages take my property take everything I have and then he told me is it well then he asked me how do I make a living and when my next check was going to be which I do n't work I explain to him that I lost my house in the flood and I 'm doing everything I can right now to get everything back together and he told me that I need to check my credit report and then he gave me my social security number over the phone the whole number and then he told me that I need to pay something today to stop proceedings and you ca n't do nothing if I do n't give them all my banking information I asked him to send me something in the mail told me that he did and that is being ignored which I have not gotten anything in the mail and then he asked me for my family members and close friends I need to ask them for money I need to give him the information and I told him I ca n't that I really do n't have any family members left but my parents are dead and he told me that I have a few days to cough up that {$520.00} I believe he said it was or I 'm going to go to court go to jail and be sued and then to call him whenever I want to give him my banking information over the phone and I said okay and thank you well the reason I know the name of the company is because I accidentally called back and he answered that with the proper name which was the winberg meditation group and I have it was an accident he called me right back and asked why I told him it was an accident he said accident right well this name this number came up as such and such and you need to tell XXXX XXXX that information I gave you on the phone you understand me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: GA

Complaint narrative:
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is an lien for {$1100.00}. The lien has already been released by the XXXX XXXX XXXX because they aknowledged that it was an mistake. Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.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
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This debt is not owed and is reporting incorrectly on my credit reports. Address given is incorrect as well and also sold invalid debt to collection agency without my consent to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: IL

Complaint narrative:
I contacted Trans Union at XXXX in good faith on multiple occasions and most recently on today X/XX/2017 @ XXXX to explain to them that I am aware that because of their computer glitch my inquiries were deleted from my credit profile and then without proper written notification were re-added to my credit report. This glitch was not my fault and was the error of Transunion. I am aware that it is against the law to re-add items that were deleted back to my credit report without informing me in writing 5 days prior to re-adding these items. This is a violation of my legal rights and legal protections and I demanded that all of the inquiries be removed from my credit reporting profile. I am hereby filing this complaint asking for the CFPB to assist me in getting this matter resolved promptly. These inquiries are causing a hardship and I am asking that Transunion remove all of them.

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 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
My purse was stolen a few years back with all my personal indentification and other belonging inside of it. As a result I believe this account was opened because I had no idea of the account until one day when a package came that was returned to the post office to send back to sender. I called XXXX 's multiple times informing them of the inaccuracies and the rep mentioned that I would still be responsible for the shipping and late fees which I refuse to pay being that the account was fraudulent opened and their merchandise was returned. I have a police report to prove my purse being stolen causing identifying theft to be possible.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OK

Complaint narrative:
Account was never mine. Went in person to see if I can have a line on this mentioned account transfered to my name. they would n't even talk to me at the time because it was n't in my name. therefore the debt it is not mine. The account was originally with 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 2017-08-17 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: GA

Complaint narrative:
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX XXXX for {$3200.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.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
Consumer complaint received 2017-08-17 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:
I sent this company a dispute letter dated XXXX XXXX, 2017. Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report. At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: GA

Complaint narrative:
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/ XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or  documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.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
Consumer complaint received 2017-08-17 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: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
A collection account with The Law Offices of Mitchell D. Bluhm & Associatges, LLC was reinserted on my XXXX account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added 2 1/2+ years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 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:
Ive had your company keeping faulty and incorrect accounts on my credit report for a very long time and despite my prior letters to you including the one sent to you the prior month, you have failed to do anything.

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 2017-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, XXXX and Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : Experian has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the Experian report. I have tried to speak to Dispute dept Reps from Experian only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that Experian uses so they could not help me or remove it from my 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 2017-08-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.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
Consumer complaint received 2017-08-17 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: TX

Complaint narrative:
This is unbelievable Equifax has destroyed my life and are refusing to fix the problem I can not get my score or credit report my creditors can not run my credit I can not buy a house some I 'm stuck renting losing thousands of dollars each month I called 20 times now trying to fix the problem they refuse to fix it they say my file is split but refuse to merge it, they have told me to lie to creditors to try and remove items fraudulently so please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Over the past 4 months I have made several disputes with Trans Union/XXXX/XXXX regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.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
Consumer complaint received 2017-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/XXXX, I was charged a foreign transaction fee for a transaction for a purchase through XXXX, even though XXXX is not a foreign company. Additionally, the IRS ( https : //www.irs.gov/uac/newsroom/irs-virtual-currency-guidance ) seems to indicate that purchases on this platform should not incur such a fee. I tried to dispute the charge but the website does not allow customers to dispute fees.

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