vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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: NJ

Complaint narrative:
THIS RESPONSE IS IN REPLY TO TRANSUNION REPLY TO COMPLAINT # XXXX. TRANSUNION REPLY READS AS FOLLOWS, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX investigations were initiated into XXXX of New Jersey # XXXX. In response to the investigations, the public record was verified and/or updated the accordingly. The results were forwarded to you for review. TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on your credit report as permitted by federal law. The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnions policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Therefore, as permitted under federal law, it will remain on your file until XX/XX/XXXX. 

HERE IS THE PROBLEM TRANSUNION REPORTING, NO COURT IS REPORTING THIS INFORMATION AND ON MY CREDIT REPORT IS DOES NOT STATE THE SOURCE OF THE REPORTING. TRANSUNION IS NOT DOING A INVESTIGATION WITH ANY ONE FROM THE COURTS. AND INVESTGATIONS MUST BE DONE WITH THE FURNISHER OF THE INFORMATION CLEARLY A MACHINE DID NOT ABTAIN PERMISSION TO ACCESS OR PUT ANYTHING ON MY CONSUMER FILE. THE FCRA MAKE IT VERY CLEAR ON THE CONSENT THAT IS NEED. UNLESS TRANSUNION HAS A JUDGE 'S COURT ORDER THEY ARE IN VIOLATION FOR PLACING UNAUTHORIZE ENTRIES ON MY CREDIT REPORT. 
I WILL SEE TRANSUNION IN A COURT OF LAW. I WILL COMMENCE LEGAL FILING FOR THE MULTIPLE FCRA VIOLATIONS. SEE YOU IN COURT.

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 2020-06-23 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: FL

Complaint narrative:
I've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/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 2020-06-23 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: GA

Complaint narrative:
XXXX XXXX  of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XX/XX/XXXX. I opened a XXXX credit card in XX/XX/XXXXwhich was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to experian and called and spoken with one of their supervisors who also recognizes XXXX error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.

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 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I put a hold on my account because i believed someone had logged in and transfered money between accounts and set up a XXXX  account. Unemployment placed a reverse withdrawal from my account and now its negative apprx {$980.00}. I have went to a bank and called to have my accounts closed and to open mew ones and i keep getting referred to the fraud dept and no one has returned my calls.

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
In order to verify this is my debt. I have sent a certified letters XXXX to Portfolio Recovery Associates, LLC Attn : Disputes XXXX  XXXX XXXX XXXX, VA XXXX asking for a copy of the original contract showing my signature and proof of charges with my signature. 

As of todays date they have not sent me any proof that I owe the debt, i.e. information showing my signature. 

They continue to call my phone number after I tell them DO NOT CALL and send the information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I received a call from who I thought was my creditor ( Kay Jewelers ) but was a collection agency. We agreed to settle the account to resolve the matter. 
I received my letter of settlement on XX/XX/20 and realized that they were not the original creditor but an agency and my creditor sold them the account. i asked when can see the status of my account updated. They advised that they do not report I would have to submit a dispute with the credit bureau to resolve. 
I submitted my dispute requesting that they update my status as settle for less than full balance. 
The credit bureau advised that they refused. I contacted my creditor and advised that they are required to update my cbr to reflect the correct status ( Settled ) the said that they have no obligation or responsibility to do so the account was sold. I than advised that if you are going to take the time to report than you do have a responsibility to update or remove it. 

I asked to speak with the supervisors, supervisor. She would not let me speak with anyone and continued to talk over me and yell at me. I advised that I would contact corporate and did. 

Since they sold the account I would like them to remove from my cbr since they claim no responsibility in being compliant with the credit bureau reporting act. and refuse to update my information as it truly stands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
I received bill from the debt collector, National Credit Systems, in XX/XX/XXXX. Immediately I called them to find out what the bill was and was told it was from my previous apartment. Upon reviewing the bill, I found that the bill included rent from AFTER I left the apartment and cleaning, damages, etc. I immediately disputed the debt by letter sent on XX/XX/XXXX. I kept receiving calls demanding full payment and was told that I " did not dispute '' correctly. I then sent another letter to request written explanation of how to dispute, and I sent additional proof of my contested amounts. That letter was written XX/XX/XXXX. I have not received any letter explaining the dispute process but I was reported to the credit bureaus. I called the debt collection agency on XX/XX/XXXX to ask about the status. I was told they are waiting for the original property management ( their " client '' ) to respond to my debt dispute. I asked if they had notified the credit bureaus of my dispute or just my debt. They said they had notified them of the dispute as required by law. I called XXXX  and they had the original amount of the debt reported as outstanding but NO notification of my dispute. I am also questioning whether or not the original property management actually determines the validity of my dispute - from reading online it sounds like the debt collectors actually buy the debt and then deal directly with the person owing. I don't think they are being honest about the process and certainly not honest in their dealings with me. In addition, they have reached out to my ex boyfriend about this debt and discussed it with him though he had left the apartment over a year prior to my vacating so I am unclear why that is happening. Though I am finding that the apartment did not process his removal from the lease nor the addition to the lease of my then new roommate when that happened in XX/XX/XXXX. This has lead to much of the confusion with this entire bill - unfortunately the bill was never presented to me until it ended up across the county with the debt collector. The property management company refuses to return my calls and has only communicated with me through the XXXX  XXXX  XXXX   in our state. I am at a loss on how to clear my record so that I am able to rent again when I relocate in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items 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 2020-06-23 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items 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 2020-06-23 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: GA

Complaint narrative:
I have submitted disputes with Experian about the ongoing reporting of late payments on my student loans which are in default. On XX/XX/2020, the president signed the CARES ACT, which ceased all interest and collection efforts on defaulted student loans. Yet, Experian continues to report the late payments which has affected financially.

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 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
Received notice from Afni, Inc for collection of a debt today XX/XX/20, print date XX/XX/20. The mailing included notice that a negative credit report may be submitted on my credit record with a credit reporting agency. The " debt '' in question of {$86.00} was stated to be for XXXX XXXX. I contacted XXXX XXXX and they have No record of outstanding or unpaid debt. This attempt to collect is not based on actual debt owed. I have mailed a request for validation of the debt to Afni, Inc as I dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items 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 2020-06-23 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am taking part in the forebearance program for mortgage. Navy Federal Credit Union informed that this will not be reported to the credit bureaus. My reports now reflect that my mortgage is in Deferred status. I contacted NFCU and was told they had not reported this to bureaus. I contacted bureaus again requesting who is reporting this and told it is reported from my financial institution. NFCU was contacted again and informed me that there was nothing they could do. Dates reported are XX/XX/XXXX, XX/XX/XXXXand XX/XX/2020 for mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
In order to verify this is my debt. I have sent a certified letters XXXX to XXXX XXXX XXXX, XXXX XXXX : Disputes XXXX XXXX XXXX XXXX, VA XXXX asking for a copy of the original contract showing my signature and proof of charges with my signature. 

As of todays date they have not sent me any proof that I owe the debt, i.e. information showing my signature. 

They continue to call my phone number after I tell them DO NOT CALL and send the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
Bank never provided copy of the check that bank stated bank sent to me in case # XXXX. 

I need to see the proof of check sent and the proof that check was actually cashed, to see front and back of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: AL

Complaint narrative:
I have been laid off due to the COVID 19 epidemic. I have contacted Advance Financial 247 multiple times to make payment arrangements. The only response I get is pushing back the payment. Meanwhile the extremely high interest accrues and has become unmanageable. I have paid XXXX in total according to their own records. My online bank records only go back to XXXX. I am struggling financially and I am still filing for unemployment, although that has yet to be resolved. 

I have contacted payday loan assistance companies and I have been told that this particular company will not negotiate with anyone. That is why I am filing this. Advance 247 will not negotiate and no one else has an answer. 

I am honestly trying to pay what I owe, but I am struggling greatly. 

Any assistance would be appreciated. 

Sincerely XXXX XXXX XXXX XXXX ( cell )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Unable to transfer funds to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute ftc violation

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clarkson Law Firm, LLC
State: SC

Complaint narrative:
This information was deleted off of my credit I was mailed a copy and XXXX XXXX who was the original debt collector and now I have another debit collector trying to get payment to pay off the debit. I spoke with Clarkson Law firm advising I am unable to pay the full amount {$1800.00}. They sent a summons before I knew Clarkson and XXXX had the debit. The original lender did not contact me for payment and it was obviously sold to another debit collector. Now that I had it disputed here I am with a summons that I believe should not have been sent. I reached out but they could not help me settle this payment. I advised them due to covid-19 and unemployment I could settle for {$200.00} they declined the offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
I made a payment to Franklin Collections XXXX on XX/XX/2020 of a settled balance of {$430.00}. They marked it paid in full, but never closed the account and deleted it like it should have been. This is still hurting my credit tremendously, and I wish for it to be removed since I settled the debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Reach out to debt collector and waited for response bearing my signature. no response Yet. 

Acct : XXXX {$810.00} & {$760.00}

Company response to consumer: Closed with explanation