vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please Read my 3 Previous Complaints, 1 against each of the Credit Reporting Agencies : TransUnion, XXXX & XXXX who continue to refuse to provide me with a copy of my credit report violating the Law USC Title 15 Chapter 41, and despite my request to mail it to my address ( the same address they have on their record under my name ) and dismissing all the documents I already mailed to them proving my identity and addresses such as bank statements and other documents. They asked for utility bills, which I do not pay nor have under my name, so that is inapplicable however they dismissed all the other documents I mailed to them. 

Credit Bureaus also illegally denied me a copy of my credit report under Title 15 Chapter 41 Subsection III Sec1681 ( b ) as well as they illegally asked for a copy of my Drivers License which is a violation of Title XXIII Chapter 322 " use of Drivers Licenses '' which clearly states that if a consumer does not consent to the private entity 's intrusion and violation of his/her Driver 's License personal and private information, the entity is not to deny product or services to the consumer.

The credit bureaus are sabotaging my credit and hurting my life and they are freely breaking US Laws, ignoring and dismissing the written laws which are supposed to protect consumer rights. 
__ They are not showing in my report any of my past excellent payment history ( Mortgages, car loans, unsecured loans ) from 30 years I had perfect history, according to my bank, my score is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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:
I recently reached out to the credit bureaus to Get them to verify my bankruptcy. my results came back verified but the court house do not share information with third parties like bureaus. The law states that they must verify with the original furnisher which is the court. The bureaus are in violation of the law and I demand this bankruptcy and bankruptcy accounts are deleted due to improper verification. I have enclosed documents showing that the courthouse doesn't share information with credit bureaus. I also put a freeze on my XXXX XXXX, which they stated they got the information from. Clearly another lie because I put a freeze on it and they are not the original furnisher of bankruptcy information. I know the laws and I'm prepared to exercise 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 2019-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
A few weeks ago I started to care for my credit and trying to build it up since I have never used my credit in the past, while checking my I discover some derogatory remarks in my XXXX credit report stating the amount owed of {$1900.00} to XXXX from XX/XX/2015 and another one owed to XXXX for {$1700.00} I would like to address this immediately and either pay off this debt or get this negative remark remove from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC
State: NY

Complaint narrative:
Student loans result of identity theft from a for-profit school that's no longer opened several attempts have been made, notified the loan provider about this matter, I've contacted the school 's and the loans managers to remove this debt from my record. They threaten to offset my tax return. After filled several disputes they still haven't refunded my tax and never reach a decision about the fraudulent loan. 
They said the loan is in default I've contacted the local police and forwarded all documents proving this account was open with unauthorized signature. But they continue reporting this account the all the credit bureaus and continuously causing me further damages financially. 
After I repeatedly asking them to give proof of all investigations and contacted parties in their investigations they've chosen to not cooperating or further investigating the officials of the school where the loan originated and they continuously denying me every time I sent a dispute or loan requested to discharge these loans. They continue breaking the law by allowing and facilitating these individuals who have stolen my identity to open student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Repeated calls from XXXX several times a day for months! I don't have an account with this company ( XXXX  the number & it belongs to Midland Credit Management ). I also checked my credit report and I am not in default on any loans or credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 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: TN

Complaint narrative:
I recently reached out to the credit bureaus to Get them to verify my bankruptcy. my results came back verified but the court house do not share information with third parties like bureaus. The law states that they must verify with the original furnisher which is the court. The bureaus are in violation of the law and I demand this bankruptcy and bankruptcy accounts are deleted due to improper verification. I have enclosed documents showing that the courthouse doesn't share information with credit bureaus. I also put a freeze on my XXXX XXXX, which they stated they got the information from. Clearly another lie because I put a freeze on it and they are not the original furnisher of bankruptcy information. I know the laws and I'm prepared to exercise 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 2019-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: MO

Complaint narrative:
Atlantic Recovery Systems was told to cease and assist before and they continued to call and now threaten me with XXXX County ... they were not to call and have violated the law to cease contact ... I want them reported they wont even say what the debt is about nor have i received any information they just keep calling taking breaks then calling again over and over ... I looked them up and they have similar complaints and class action lawsuits for abusive practices

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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.

Complaint narrative:
I am very unhappy with the equifax service as i wanted to pull out my credit score to buy a house for the first time ever and i heard that equifax is the only reliable credit report that the mortgage people accept. I pulled out the report and my credit score came out to be low and then i observed that there is one more name resembling to my name on my account and i had her all bank and job and phone account under my report which is incorrect and because of which reason i was unable to buy the house i wanted just because the mortgage people wont proceed without the report. I called equifax and i told them what wrong is happening with my account and i told them what account were mine and which all were not and the representative noted it all. He told me it would take 10-15 days to implement the changes made. I waited for another 15 days and got my new report which had the same lady 's accounts as well and nothing was changed on my file. Instead they removed my credit card without even my consent. I again called today and wanted to sort out things but they said it will take another 15 days and wanted me to fill out a dozen forms and send some documents. I again received an alert on my file that my address got changed now which was incorrect because i never chnaged my address. how can someone else make changes to my account and if i need to get things straight and correct then i have to fill forms and wait for a period which totally is baseless and does not make any sense to me. Now someone else is operating my account as i should say that it is an identity theft and i am not being helped accurately. I am very annoyes and i wish there was some another company in competition with this company so that there is professionalism and accuracy maintained and so they will know if they dont provide accurate report then the company opposite them will. That is my personal opinion as equifax here is just wasting peoples time and doing nothing. I have wasted so much of time and missed the houses i wanted to buy just because these people have played with my identity and account. Its XX/XX/XXXX today and it has been a month now but still someone else is operating my account. I need an action against this please. I want all the accpiunt removed from my account which are not mine asap. I am also including the report and please confirm with me about my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: ZIONS BANCORPORATION
State: CO

Complaint narrative:
They closed the account and said it was all over and closed, but still shows up. This is with Zions Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: TX

Complaint narrative:
I purchased this vehicle XX/XX/2018 a few weeks after i got the car i needed a new battery which i had to pay out of pocket with two months later the check engine light came on and i was not able to pass the emissions test so i had to get a one year waiver from the county of XXXX to be able to get my car tags i expressed to the dealership i needed a reasonable accommodation for my XXXX initially purchase upon to better understand the loan terms and even provided proof of my XXXX i was and am only paid once a month and still they set me up on bi weekley payments i feel they took advantage of me with the loan terms i was never offered the gap coverage that they say i declined fast forward a year later my car engine is blown they also sold me a lemon. I have a balance of XXXX and will no longer have this vehicle in my possession

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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:
On XX/XX/2019, I sent a dispute letter to Equifax and requested them to remove three fraudulent accounts due to identity theft. I also sent them my police report including my FTC complaint and all my required ID documents. Equifax refuses to remove these fraudulent accounts even though they are required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: TX

Complaint narrative:
My credit report shows items that I have no knowledge of. I'm preparing to buy a home soon. So I need these items removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: IL

Complaint narrative:
Ive disputed a Bankruptcy Chapter XXXX account several times thats reporting on my Experian credit report. Experian has stated that the account has been verified by the third party reporting agency XXXX. I disputed the account with XXXX in which they deleted the account from my report. I sent another dispute letter along with the letter from XXXX to Experian. Experian sends me a updated credit report stating that the account was once again verified by XXXX. How was the account verified by XXXX when they deleted it from my report? In 2018 Experian deleted the account from my report but reinserted it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have been banking with Sun Trust for 30 years and was scammed XXXX thru XXXX   and investment property. They set up websites and local law enforcement have tracked them to overseas and the states thru checking accounts with XXXX and XXXX XXXX. Both XXXX and XXXX XXXX have blocked all attempts to retrieve my money. XXXX XXXX will not answer the phone and could careless while XXXX says I have no recourse. I have accounts in all 3 companies, so basically they would rather harbor criminals that have violated the Patriot Act than help their own customers. I do not want the names of these people although they should go to prison but want these companies to investigate because someone came into their banks and opened checking accounts and committed fraud. I submitted paperwork to FBI but that was a joke. Secret Service says the case has to be XXXX before they can investigate. Local law enforcement does not have the time or expertise to track the case so we go to court soon. All I asked was for my company Sun Trust to perform a recall request on my behalf to no avail. It has been a year and they lied to me verbally and in writing thru the executive team saying they had performed the recall so the other banks would investigate. I tried to settle with the banks professionally but they would rather harbor criminals. I am in the process of going to court with all 3 companies so they can explain why they did nothing. My family, job and marriage was threathened if I went to the police they even said they would say the XXXX was for XXXX XXXX and to XXXX my wife. It is in the 383 pages of documents I submitted to the police. I am in the process of writing a book on the incident and using XXXX XXXX foreclosures to pay for ghost writer, court costs and private investigator. If this happened to your family what would you do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This issue is with my credit card with Best Buy store card. In the month of XX/XX/2019 my credit card statement showed online unauthorized charges, so I immediately contacted Best Buy customer services and was transferred to the fraud department and reported the unauthorized charges totaling {$5600.00} with a previous balance of {$0.00}. I was told an investigation would take place. In XXXX I received a letter stating that the investigation was completed and that there was no evidence of fraud and I would be responsible for the purchases. I then contacted Best Buy Fraud department and questioned what the reason was for that showed that I was responsible. I was told that the notes were not specified clearly, so they gave me the option of having a second request for an investigation. In XXXX I received the conclusion of the second investigation. The letter and stated that they had completed their investigation and still find myself responsible. The letter did not have an explanation all they provided was the orders that showed an email that was used that was not mine and also a phone number that is not mine with the order delivered to a store in the city of XXXX XXXX, Ca. 
I notified Best Buy again and I was told by the Fraud department that I was responsible because of the purchases were delivered to my home. That is a huge contradictory when their paperwork shows a screenshot of the order was delivered to a store. I asked Best Buy to pull their video cameras and I was told they could not do that. In my opinion that would be an option to prove that I did not place these purchases nor picked them up. What is the purpose of video cameras if they refuse to use them to protect them and the consumers. After getting no resolution from Best Buy and notified XXXX, Ca Sheriffs Department and made a police report. When the officer that took my report contacted Best Buy himself they told him they refuse to deal with the Police Department because they are not authorized on the account. I find that completely wrong! I feel my rights as a consumer have been violated by Best Buy Franchise and I have written numerous letters to the Corporate office and have had nothing back from them. I have to continuously pay this bill that I AM NOT RESPONSIBLE FOR so my credit isn't compromised. I am asking for help from the CFPB to exercise my rights as a consumer for fraud charges that Best Buy will not remove from my account. I should not be responsible for charges that I did not authorize nor received. 
The police report number for this dispute is XXXX from XXXX, Ca Sherriffs Department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Contract Callers INC usually calls me 6 to 12 times per day about a phone bill that does not belongs to me. I have told them several times it is not my debt and to stop calling me but they refuse to stop. So now they send me a letter with the amount of {$1900.00} stating that if such balance is not paid they will garnish my wages and sue 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 2019-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I cant get them To stop calling at least three times a day for the last four months while I been in financial hardship. Harassment at its finest and my caller ID is full from calls as well as my answer machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: LA

Complaint narrative:
In XX/XX/2019 State Collection Service placed a debt on all three credit bureaus. I recently sent State Collection Service a letter asking for validation of the alleged debt amounting to {$340.00}. State Collection Service did not provide any documents or evidence to validate the account, they did not even respond to my letter that I sent them. This company kept this account on my XXXX, XXXX, and XXXX credit reports despite providing any validation of this debt. Again, State Collection Service did not provide any documents or evidence to validate the account and ignored my request for them. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX, XXXX, and XXXX credit reports or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. I have attached the letter that I sent to State Collection Service back in XX/XX/XXXX but again never received a response from them. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation