vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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: MO

Complaint narrative:
My problem and only problem right now is with the credit reporting agencies XXXX and Transunion. Inwhom I will be filing suit against for many reasons. They constantly reporting accounts inwhom which they have not received physical certified documentation from. They only going off of electronic Verification inwhich is not official. I'm demanding a detailed Method of Verification used in this investigation. I have repeatedly requested this but never recieved anything. XXXX and Transunion, I need to know what was the name and title of your employee inwhom conducted the investigation. Whom did they speak with, and what form of communication used in this investigation, was it phone, fax, text, letter, etc. What was the title of the person spoken too. What certified documentation did they provide with my signature on it. And what physical method of documentation did you provide the consumer. All this is my natural and legal rights as a consumer. I'm demanding that these unauthorized accounts be blocked from my credit data and files immediately and permanently if your companies can not produced the Method of Verification used, as well as physical certified documentation to support your reporting. If not then it is your legal duty to block these accounts as following, [ # 1 ] XXXX {$920.00} [ # 2 ] XXXX XXXX XXXX {$1000.00} [ # 3 ] XXXX XXXX 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 2019-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R J Baucum Enterprises, Inc.
State: TX

Complaint narrative:
I have no recollection of this account and if it's a medical bill I've been on XXXX since 2014 and all my medical bills are paid and when I tried to contact them they were very rude and demanded payment and wouldn't give me any details

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
" Sold '' a {$10.00} XXXX gift card to XXXX on XX/XX/19 in exchange for a {$7.00} XXXX credit. Website states that I should have received an email with this amount in approximately 1 day, but an additional 1-3 days may be needed around holidays. When I had not received payment by XX/XX/19, I sent them an email asking for an update as their website states it is " In Review. '' After no response, I sent another email on XX/XX/19 and have not yet received a response. There is no way to cancel the transaction on the website and I can not use the card or sell it to someone else in fear that I would be committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Twenty-seven years ago, I co-signed a credit card application to Bank of America for my daughter when she was XXXX years old. In XX/XX/2018, she suffered a financial crises and could no longer meet minimum payments. Bank of America reported late payment information on my name as well as my daughter 's name without providing me any information regarding the credit card account. I found out about the problem only because I investigated my credit report to determine why my credit rating was falling. I Paid off the balance immediately once my investigation into my credit report identified the problem. Bank of America made no attempt to notify me that the account was past due before sending information damaging my credit rating. I am still living at the same address and have the same phone number as when I co-signed the application 27 years ago. 

I think banks should be required to provide account information to co-signers as soon as an account becomes past due and certainly before reporting information to credit agencies that is damaging to their credit. It is clearly in the banks best interest to continue to receive a 23.9 % interest rate for as long as possible before notifying the co-signer. Perhaps this is why I was never notified and had to dig it out myself from credit reports.

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 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
i sent a letter XX/XX/2019 asking for verification for a debt. i asked for a balance sheet, proof of ownership for the debt, how the debt was calculated ... on XX/XX/XXXX i recieved a letter only stating they had verified my name and amount owed for the debt. they refuse to send me proof of the debt. yet want to keep reporting it to the credit buereaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, my credit card was apparently used at XXXX XXXX # XXXX ( {$2000.00} ) and XXXX # XXXX ( {$860.00} ) in XXXX, GA. I still had my physical card in my wallet, but was later told by my credit card company, Suntrust, that a chip reader was used for the purchases. The purchases were both made between XXXX and XXXX XXXX EST. I saw the charges online, froze my credit card, and called Suntrust within a couple hours of the purchases being made. I was in XXXX County ( XXXX, Ga ) at work at XXXX XXXX XXXX during the time of the purchases which can be verified by my clock in/clock out times. I contacted the merchants XX/XX/XXXX and was informed that they did have video recordings for the investigation. I contacted the police but did not file a report at that time since I was told I would have to go to XXXX to do so, and I live in XXXX, Ga ( my credit card billing address is in XXXX at my parents address ). The fraud investigation was done through the credit card company and I was emailed on XX/XX/XXXX that the claim had been denied, and the charges were deemed valid. At that point I contacted multiple people at Suntrust including several supervisors and was informed I could not speak to anyone from the investigation and they had no further recourse. The only reason I was given for why the claim was denied was that a hip reader was used. I spoke with a branch manager in person, and he filed a formal complaint with the company. I was also told an escalation email had been sent to the fraud investigators but that they may not respond to it. I filed a police report on XX/XX/XXXX to try and retrieve the video footage and information regarding whose XXXX XXXX membership was used for the purchase as I am not a member of XXXX XXXX. I did not authorize nor do I have any knowledge of these charges, and I am currently being held financial responsible for them on my Suntrust MasterCard credit card. I have been told by the company there is nothing else to do about the situation which sounds insane to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX. My date of birth is XX/XX/1989 and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX XXXX  XXXX XXXXXXXX XXXX XXXX But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.

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 2019-04-29 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX. My date of birth is XX/XX/1989 and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX and XXXX XXXX and XXXX  But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.

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 2019-04-29 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:
Hello, my name is XXXX XXXX. My date of birth isXX/XX/XXXX and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and NAVIENT were no successful resolution. NAVIENT was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: AL

Complaint narrative:
Hello, my name is XXXX XXXX. My date of birth is XX/XX/1989 and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX - Closed XXXX/Feb-Retail XXXX   XXXX - Closed With XXXX XXXX XXXX - XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-RETAIL XXXX XXXX With XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-RETAIL XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2019-04-29 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: AL

Complaint narrative:
Hello, my name is XXXX XXXX. My date of birth is XX/XX/XXXXand I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX - Closed XXXX/XX/XX/XXXX-Retail XXXX XXXX - Closed With Equifax XXXX/XXXX XXXX - XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX-RETAIL XXXX XXXX  With XXXX XXXX/XXXX XXXX - XXXX   XXXX/VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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: PA

Complaint narrative:
My Name is XXXX XXXX, This is third time going though this process and these 2 fraudulent accounts continue to remain on my credit report. I ask that they be move immediately. I have already sent in all documentation including police report and affidavit. For the most part I am ecstatic that most of the fraudulent accounts have been removed from my credit report. But these 2 account remain. Transunion has not removed the ( XXXX XXXX XXXX XX/XX/2016 {$830.00} after 2 month it still remains on my credit ... XXXX and XXXX has not removed the fraudulent collection ( XXXX XXXX/XXXX XXXX $ XXXX..This is weird because I've never in my life had an account with XXXX!! !!!!! Or XXXX XXXX  for that matter. I am trying to get a home an these items continue you negatively affect my credit. I am asking under the FCRA that these fraudulent accounts are removed with in 4 days. Keep in mind I have already opted out of arbitration .and I do have legal representation to assist me in this matter. Please remove accounts immediately. 

XXXX XXXX XXXX  XX/XX/2016 {$830.00} XXXX XXXX XXXX/XXXX   XXXX   {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : XXXX, Trans Union and XXXX. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.

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 2019-04-29 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: FL

Complaint narrative:
Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX With Experian XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
Tidewater Financial was paid in full on XX/XX/XXXX ( supporting documentation attached ), they continue to send me statements for late fees charged on XX/XX/XXXX compounded by late fees and 29.99 % interest on late fees. They are stating that the account balance is {$380.00} and that amount was never charged on that card.Tidewater Corporate indicated that the account was closed in XX/XX/XXXX at my request, but they continue to bill late fees and interest on a closed account with no principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: FL

Complaint narrative:
Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX  OPENED XX/XX/XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2019-04-29 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: FL

Complaint narrative:
Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX With Equifax XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are two medical collections that Equifax continues to report yet information had been requested directly from XXXX and XXXX XXXX XXXX and they have not responded. How is Equifax able to validate this if they will not even send the information to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: Capital Accounts, LLC
State: TN

Complaint narrative:
I recently reached out to this company twice in order to settle this debt with no response or acknowledgment that letter was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation