vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 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: KY

Complaint narrative:
On XXXX XXXX XXXX ... I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. But you 'll find that the reported PHONE NUMBER on the credit report is inaccurate. There are also other inaccuracies that appear on the fully detailed credit files about this public record. 
The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, TransUnion has continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). TransUnion thumbs its nose at federal laws! 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court. 

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy 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 2017-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have four student loans with Navient, previously they were with XXXX XXXX but were switched. When I took the student loans out I was informed there would be different repayment options and if I do get behind on a payment I receive phone calls stating that they can help me lower my payments and to discuss my options. I call and they never give me any options or help to lower my monthly payments, they tell me there is no other options. My mother, who is also a co-signer, has called also to ask about my options and they tell her the exact same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: CA

Complaint narrative:
This last communication from this company said they would submit to the credit bureaus that the accounts are in dispute ... I contacted each bureau who said the account Action Collection Agency is reporting is NOT in dispute by them. So again this company is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I have an issue with BB & T bank with both my husband and I being charged 2 times for a {$35.00} overdraft fee. One on his checking account number and one on mine. On XX/XX/XXXX i transferred {$20.00} from my husbands account to mine. Before I made the transfer, I logged into our account to make sure that the funds were there and they were. A few hours later, I logged in again to see that we had these overdraft fees. When I called a few min later, there was an attomated message saying they were doing maintenance on their systems and both phone and website were not updated correctly. A few hours later, my husbands check was direct deposited into his account. I quickly transferred {$80.00} and called to dispute! The representative said she would put in a request for refund and she said she did see a problem. The representative also made me aware that I had a protection coverage on my account and previously, I was being charged. I was unaware of this and she stated it should 've never been in place. After calling around for several hours on the XX/XX/XXXX, I was hung up on twice and denied! I was told from a women in research department that she will keep dening my request and was unable to help. I had a manager tell me that there is nothing he could help with and feel free to seek legal advice. Another research rep told me not to go by phone or website and it 's my responsibility to to track my spending. I have worked in customer service in the past and have never not found a solution or talk to a customer this way. I honestly feel that something not right is going on here and getting different stories from different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my report. 
XXXX XXXX MERCHANT - XXXX : Unverified account XXXX CALIFORNIA XXXX XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
I want to escalate a very serious promotional offer and customer service issue with XXXX credit card customer service representative when I called on my XXXX reward card ( that is managed by XXXX XXXX XXXX ). I called their credit card customer services about two weeks ago and spoke with a representative for the promotional offer issue. But very unfortunately, this representative had very serious discrimination against me. This particular representative 's discriminatory statements are against US Federal laws. It was absolutely unacceptable and very insulting to me and I was extremely shocked by this kind of credit card customer service provided by XXXX. For their information, XXXX Credit Card customer service representative 's name is XXXX and her employee ID # is XXXX. Also her phone extension is XXXX and she is based in XXXX Idaho location. 

I must request XXXX to provide me at least {$300.00} compensation for the promotional offer issue as well as discrimination by their customer service.

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 2017-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
Lyons, Doughty, and Veldhuis P.C. FAILED to answer the information I asked from them to validate the alleged debt. They instead sent me some papers which were never received at this residence that were photocopied as their " proof ''. 

This debt collector also stated that I was not allowed to ask for a debt validation because it was past 30 days. Thats incorrect and is a simple scare tactic they are using thinking that I do not know my rights. 

Debt collector ran my name, SSN, and other important/personal information through the US Dept of Defense without my knowledge OR consent which is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my credit report they say I owe over {$17000.00} in child support that a lie i jave proof i was paying my child support I have my check stubs to proof 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 explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
This card was opened by someone else in my building due mail room non secruity. I have disputed that its mine 4 times and am making payments so it does n't hit my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: AL

Complaint narrative:
I have become aware I am a victim of identity theft in the last few months. I 've notified creditors in writing, I 've asked Equifax on more than one occasion to send related documents to creditors supporting my claim and it 's getting quite ridiculous. At this point the creditors should automatically delete accounts related to identity theft or if the creditors are being uncooperative Equifax should block/delete the accounts on behalf of the consumers claim according to the laws laid out in the Fair Credit Reporting Act. There is still inaccurate false items being reported to the Equifax Credit bureau. I have exhausted myself to try to have the inaccurate, incorrect information removed from my credit file, however Equifax keeps sending me letters saying the information has been verified as belonging to me. Enclosed in this complaint will be screenshots of correspondence with Equifax. OnXX/XX/XXXX I receive a notice from Equifax saying that the address XXXX XXXX XXXX in XXXX, Georgia XXXX has been deleted from my report. And then betweenXX/XX/XXXX and XX/XX/XXXX I received a notice from the credit bureau that there has been a change to my credit report and the address XXXX XXXX XXXX in XXXX, Georgia XXXX was supposedly reported by " one of my creditors '' as a recent address. At the same time XXXX XXXX was apparently deleted but still showing up. Now mind you, I have never lived/resided/got mail at XXXX XXXX XXXX in XXXX, Georgia. 
It does n't take a rocket scientist to figure out what is going on. The creditors in dispute are trying to verify the accounts as belonging to me by having identifying information such as an address that I have never lived at. This then gets the wrong address reported to my credit file so the creditors may verify the address as belonging to me so they do n't have to delete the inaccurate account information appearing in my credit file. This should be crystal clear to Equifax and they should delete the inaccurate credit accounts on my file that I have disputed more than once. The inaccurate credit accounts are XXXX XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX. Please remove these accounts at the soonest time possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Been trying to get 2 negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

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 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX - I requested via secure message center to close my account. My balance was XXXX. Rather than closing the account - this Bank 's customer service representative keep on arguing how it needs to be communicated. On top of it - they charged me {$20.00} worth of over draft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25 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 information on my equifax that is reporting incorrectly. I was a victim of identity theft and the equifax credit bureau was notified of the identity theft situation in XXXX and I have provided the police report along with identity theft affidavit from the FTC along with my proper identification and the letter of acknowledgment from one of the creditors that the fraudulent account should not be reported. 
Somehow equifax still is reporting the erroneous information on my credit file which has caused unnecessary hardship. They did not provide me with the method of their investigation and the creditors have verified that equifax never reached out to them. 
Equifax keeps reporting the erroneous information and after 2 years of struggle with trying to have them correct my credit reporting i still have no positive results. 
Even with a creditor providing a letter for the information to be removed, equifax somehow have verified that the information is accurate and would not share the result of their investigation or the written response from the creditor. 
The following accounts are being reported erroneously and should be removed immediately. 

XXXX/XXXX ACCOUNTS 1- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 2- XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 3- XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 4- XXXX XXXX XXXX Account XXXX : XXXX Status : CHARGE-OFF COLLECTION ACCOUNTS 1-XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$180.00} 2- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$50.00} 3- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00} 4- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

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 2017-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXXchild support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

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 2017-08-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Been trying to get 1 negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

Company response to consumer: Closed with explanation