vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: SC

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I attempted to settle a debt with credit collection services. I specifically asked them if the account would be removed from my credit report after settling, ie they would stop reporting it etc. They answered in the affirmative. However, it is still showing on my XX/XX/XXXX report. Ive contacted XX/XX/XXXX and they say they cant remove it, only credit collection services can. Credit collection services says only XX/XX/XXXX can remove it, and they now say that theyve reviewed the call and that no one ever said that they would stop reporting it to the credit bureaus, but they will not let me listen to the call to verify. If, in response to me confirming that they would stop reporting it to the credit bureaus, they gave an obtuse and deliberately confusing reply that sounded like yes, and then they proceeded to not remove it from my report, then that is deliberately deceptive behavior in order to collect a debt. Ive settled this debt, I just want it removed from my XX/XX/XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates, LLC ( PRA ) alleges that I owe them and/or their client or affiliate company XXXX XXXX XX/XX/XXXXa sum of money amounting to {$390.00}. I was made aware of this for the first time on XX/XX/2020. Consequently, I contacted PRA and requested validation of this unknown account. Tangible documentary evidence clearly showing that I have a legal contractual obligation to pay PRA and/or its affiliate - XXXX XXXX XX/XX/XXXX. To date, PRA has failed to provide such validation. Instead, PRA sent me letters bearing inaccurate personal information, including addresses with which I am not affiliated, and has failed to delete the derogatory information from my credit reports. PRA actions represent a clear violation of the FDCPA and given their refusal to properly validate this debt, I am left with no option but to sanction the help of CFPB in an attempt to have this matter resolved without the need for litigation which I prepared to initiate depending on the outcome of this complaint. As a consumer, I believe it is fair to request validation of any debt to which I am accused of owing. PRA ought to comply and provide the requisite information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

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 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
In 2018, I was the victim of fraud. My bank at that time, XXXXXX/XX/XXXX, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to XX/XX/XXXX, made libelous, false claims to my bank. She also filed a false police report with the XXXX of XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. XXXX XX/XX/XXXX, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. XXXXXX/XX/XXXX participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to XXXXXX/XX/XXXX. This claim of me owing money is completely false, as I was the victim of fraud. XX/XX/XXXX actually owes me money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi I sent Transunion a dispute XX/XX/XXXX, they received it XX/XX/XXXX, today is the XXXX of XXXX of XXXX. I submitted a complaint earlier today, but I left off a page so I'm redoing 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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am working with lenders to get preapproval for a mortgage and was told my trans union credit report is locked. When I called to remove this lock, they told me I was not able to do this over the phone and had to mail in copies of ID proof. However, I never asked for this to be put on my account and was never made aware that this was placed. When I called XX/XX/2021 I was told that trans union placed this suppression on my account but did not have any documentation as to why this was done or even when this done. I was never informed of this and have my credit being pulled. This is absolutely ridiculous. If my account is under supression I should be made aware of this.

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 2021-01-12 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: TN

Complaint narrative:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XX/XX/XXXX data breach whichmay have gotten into the hands of unauthorized individuals.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I attempted to settle a debt with credit collection services. I specifically asked them if the account would be removed from my credit report after settling, ie they would stop reporting it etc. They answered in the affirmative. However, it is still showing on my transunion report. Ive contacted transunion and they say they cant remove it, only XX/XX/XXXXcan. XX/XX/XXXX says only transunion can remove it, and they now say that theyve reviewed the call and that no one ever said that they would stop reporting it to the credit bureaus, but they will not let me listen to the call to verify. If, in response to me confirming that they would stop reporting it to the credit bureaus, they gave an obtuse and deliberately confusing reply that sounded like yes, and then they proceeded to not remove it from my report, then that is deliberately deceptive behavior in order to collect a debt. Ive settled this debt, I just want it removed from my transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: TN

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX California edition has a XXXX  on my credit that was opened in 2010 and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.

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 2021-01-12 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: Southern Oregon Credit Service, Inc.
State: TN

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: GA

Complaint narrative:
I Have been an a XXXX  of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted (  XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file CFPB and FTC ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
I have a unknown charge on my credit score from XX/XX/2015 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: NY

Complaint narrative:
I Have been an a XXXX  of XXXX XXXX for a few years now. (  XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed! I want it removed right away.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Initally On XX/XX/2020 I sent a letter requesting verfication of XXXX accounts on my credit reort as the information that was being reported on my credit report as it did not look correct and received no response from any of the 3 credit bureaus. So I sent a follow-up letter on XX/XX/2020 till today and still no reply. I atleast expected their stall post card or letter. This is hendering my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I have a following problem I contacted equifax in XXXX to put a freeze on my credit report on XX/XX/XXXX I contacted equifax to remove the freeze they told me to send a fax which I did and I received a letter saying that they can not find my file I called equifax and spoke to several agents who said they can not help but they can see my credit file and they said I have to send in a fax I explained that I already sent it on XX/XX/XXXX they said we dont see a record of the fax I explained to them that I received a letter saying that they received a fax and can not locate my file but the agents told me that they dont have any record that such a letter was sent but I have the letter I am trying to get help from equifax to please locate my file help me remove the freeze and help me log into my account I have an email that I received that I did send a fax transmission for fax tag XXXX destination XXXX and that it was delivered but I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND FUNDING has falsely and illegally placed collection on my three consumer credit reports. Not only did midland funding fail to contact me in 15 days of reporting which is a violation of the FDCPA THIS COLLECTION WAS CAUSED FROM IDENTITY THEFT. This company has violated my consumer right by failing to verify this debt, and adding it my three credit reports which has damaged my character and prevented me from seeking finical assistance during this pandemic.

Company response to consumer: Closed with non-monetary relief