vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: MO

Complaint narrative:
Please remove the following account from my credit file, the account is not mines nor do i bare any knowledge of this account. For im not even the responsible party of this account. Please remove. 

1 ) 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 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I received a debt collection notice from ERC for a {$59.00} debt from XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for almost 2 years and have not received any invoices indicating that anything remained unpaid. There is no copy of an invoice, reference to an invoice, or other information. When I called ERC the guy on the phone was not authorized to help me unless I gave him the last four digits of my social security number, which I was not willing to give. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: WI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I purchased a car for my wife, a XXXX XXXX XXXX XXXX. She has made all the payments for the vehicle. In XX/XX/XXXX she was side swiped by a XXXX bucket truck. XX/XX/XXXX XXXX insurance   company deemed the car totaled, as soon as we found out we contacted XXXX. The requested that the insurance company reach out to the, which is what they have done. According to my wifes attorney the insurance company has continually sent the documents via email, fax, and have sent letters. Each time weve contacted them they have said the insurance company has either sent the wrong documents or that they havent received them yet. The insurance company ( XXXX ) has told my wifes attorney ( XXXX XXXX XXXX   XXXX  his name handling this is XXXX XXXX XXXX ) that they are not sure what is going on over there, that they are not " acting in good faith. '' The paperwork that they are requesting is no different than anyone else who has Gap insurance. XXXX is now sending me certified letters they are welcome to take the car, if that will get them to do the right thing, at this point we are very frustrated with this company and will never do business with them and we will make sure all of our friends and family will know to avoid 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 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX we applied for a short sale on our land/property with an offer from buyers offering {$120000.00}. Thus we began the documentation process. By XXXX/XXXX  we were just finding out who our account manager @ Fay Servicing was and who was processing our paperwork. We had near impossible time getting anyone to respond to us and this acct. mgr. kept telling us she had not received documentation and then resolved that their organization had a difficult time with getting emails, documentation and where to find it once it was received. 
We had such a difficult time with communication that I finally reached out to the VP of Operations who did seem to have some pull in moving our process along. 
By XX/XX/XXXX we finally got approval for that offer amount but by that time our buyers had walked away from their offer. 
On XXXX XXXX XXXX we received another offer for {$120000.00} again with new buyers. In XX/XX/XXXX we began the process again.They were requesting all the same paperwork again but we immediately responded and supplied to our new acct. mgr. 
We continuously attempted to receive information about the offer but finally on XX/XX/XXXX I was able to speak to the acct. mgr. who informed us that they refused the $ amount and needed a new HUD statement with a new offer which will net {$110000.00} to them. We replied on XX/XX/XXXX with the new statement. 
Since XX/XX/XXXX we have heard nothing and can not get anyone ( including the VP whom I have contacted twice this time ). We are about to lose our new buyer again all because Fay Servicing is so non-communicative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
This is a follow up and not an initial dispute. CFPB - PLEASE ATTEND TO THIS ISSUE. 

The company was given my identity theft affidavit, and shown I've done a local police report. FCRA 605b requires that they cease any and all collection activity as a result. They stated they're going to request an itemized bill, something ANYONE can type and send. This company is frivolous and needs to be shut down. They have 0 documentation that will stand in court, especially against IDENTITY THEFT. 

They are in violation of my rights under the FCRA. FCRA 605B, 609, AND 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have been a customer with TD bank for more than 3 years and unfortunately had to close this bank account because I was moving to XXXX  from XXXX XXXX and TD bank has no branches in XXXX. 
Now Im admitted in the hospital and need financial assistance for which I need some transactions from my account in TD bank. 
Saturday on XX/XX/XXXX I called TD customer service asking for international wire transfer documents in year 2019 & 6 months statement before closing my account. 
I was told to call recovery department on Monday, when I call up this lady on the phone tells me to go to a branch and there is nothing she can do! Im in XXXX  and how will I get to XXXX XXXX during this panademic while Im sitting here in the ER just for paper statements or for the matter of fact these documents can also be emailed to me and sorted out! 
Such people should stay at home and not come to work! Having such people at ur bank not only makes u look foolish, but also the whole country looks foolish ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 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: MO

Complaint narrative:
Please remove the following account from my credit file, the account is not mines nor do i bare any knowledge of this account. For im not even the responsible party of this account. Please remove. 

1 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: MO

Complaint narrative:
Please remove the following account from my credit file, the account is not mines nor do i bare any knowledge of this account. For im not even the responsible party of this account. Please remove. 

1 ) 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 non-monetary relief
Consumer complaint received 2020-03-30 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:
I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: MO

Complaint narrative:
Please remove the following account, im not responsible for this account nor do i know why or who added me to this account. I'm asking for the credit reporting agencies to remove this account. 

1. XXXX Card Services

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my tax consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX  XXXX XXXX {$210.00} XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my tax consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX  XXXX XXXX {$210.00} XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the California Consumer Privacy Act ( CCPA ), a California state law, I am entitled to find out what personal information Equifax has on me, to prevent their sale of such information to other parties, to have my personal information deleted, etc. Here is a summary of the California law : https :  //oag.ca.gov/news/press-releases/attorney-general-becerra-issues-advisory-outlining-new-data-privacy-rights Which states : CCPA grants new rights to California consumers Right to know Consumers may request that businesses disclose what personal information is collected, used, shared or sold by the business, in both categories and specific pieces of information ; Right to delete Consumers may request that a business delete the consumers personal information held by both the business and by extension, the businesss service providers ; Right to opt-out Consumers may direct a business to cease the sale of the consumers personal information. As required by the law, businesses must provide a Do Not Sell information link on their websites or mobile apps ; Rights for minors regarding opt-in consent Children under the age of XXXX must provide opt-in consent, with a parent or guardian consenting for children under XXXX ; and Right to non-discrimination Businesses may not discriminate against consumers in terms of price or service when a consumer exercises a privacy right under CCPA. 

I attempted to accomplish this by telephone but was not successful, they refused to accommodate my request. I spoke with XXXX who refused to identify his last name but said that he was their supervisor at XXXX. Equifax was evasive and nonresponsive to my legal requests. Equifax wanted me to answer various truly inane questions such as : 1. To provide a compilation of my closed credit card accounts. 

2. To provide the minimum monthly payments required for various accounts. 

3. To confirm/deny that my grown adult child owns real estate in another state. My child does not live with me and I have no idea if they own real estate in another state. 
This is immaterial to my legal request under California law. 

This is absurd. They don't need me to research all of that data to obtain my rights under California Law. I need assistance in pursuing this issue to satisfactory resolution. Equifax continues to be evasive and nonresponsive to my legal and legitimate requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: NY

Complaint narrative:
On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: NY

Complaint narrative:
On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.

Company response to consumer: Closed with explanation