vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company I disputed debt and account was deleted six months ago. Company has  now went re-added this to my report. This account is not mines. I dont know who it belongs too. 

XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$3800.00} Is anything incorrect? Visit our Disputes Guide

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 2017-10-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
My van was towed XXXX times first time was XXXX/XXXX/XXXX by XXXX 's tow a charge of XXXX however i was parked in violation of XXXX rule. My ignorance was no excuse therefore i never complained or appeal the tow. However my vehicle was towed again on XXXX/XXXX/XXXX by XXXX tow again in the amount of XXXX and again on XXXX/XXXX/XXXX in the amount of XXXX however these XXXX tows was done illegally so i appeal to the XXXX XXXX court and was given a court date XXXX/XXXX/XXXX and the court deem the tow and any other fees be refunded. I called and disputed the charges with Discover on that day XXXX/XXXX/XXXX and a temp credit was awarded. Since then i have had nothing but a bad experience with the credit card company. It appears to me Discover is more concerned with keeping a merchant relationship as appose to taken care of the card holder. Its now early XXXX and i have a lot of corrospondence with Discover going back and forth and not giving my credit back to my acct or following a court order which is public record XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am having online access for my XXXX Citi XXXX cards for more than XXXX years ... it was working XXXX days back also ... now all of a sudden it stopped working ... i knew my userid and password very well. 

When called Citi - they are telling that I do n't have online access to my account which is not accurate. 

Later I have to create userID all over again and have to manage all my accounts all over again. 

Citi is falling under it 's own weight. There seems to be some hacker 's attack on citi due to which the userIDs have stopped working.

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 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I have sent Trident Asset Management a debt validation letter, requesting validation as well as their right to collect in my state and proof the statute of limitations had not expired. 
They sent a phone bill XXXX no copies of Contracts, no XXXX or XXXX number, no signature etc ) this does not validate the debt. 
Trident also is reporting when the are not the current account holder, that falls under XXXX XXXX XXXX who is owned by Trident, but not licensed in Fl. 
According to Fl statute of limitations ( which they did not send proof of ) a XXXX XXXX is XXXX and an XXXX is XXXX yrs.. This bill they sent is dated XXXX/XXXX/XXXX, which by Fl law the statute of limitations has expired. ( Please see attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: MN

Complaint narrative:
Back in XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus XXXX, XXXX and Equifax as they are violating the law by not notifying me within 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 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 — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I tried to reach a settlement for some type of medical bill that hit my credit last week but was dated back to 2015. I can tell its a small office because I kept getting the two same rude employees. The guy said his name was XXXX and the girl said her name was XXXX, but I dont believe either of them. She kept hanging up on me when I asked for a supervisor after she was refusing to give me information on the bill and wouldnt give me a settlement amount. She said, Nope, {$830.00} Im full, have a good day ( sarcastically ) and she hung up in my face. Even when I told her she was being recorded she still hung up. The guy was just as rude and when he picked up and I asked for a supervisor he transferred me to her I guess trying to be funny. I need to reach a settlement amount with this company and once its paid I need to make sure they dispute it off of my credit. The employeees there are NASTY, and those two need to be terminated. I remember the womans voice distinctively. Can someone please help me resolve this issue! I went on the BBB website they had one positive comment, and 146 complaints. And many recent. And they were complaining about the same two people! Something isnt right. The name of the company is ABILITY RECOVERY SERVICE in Wyoming, PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 'm showing inquiries on my report that I did not authorize & I have disputed with Equifax who refuses to remove .I have expain to Equifax that I was a victim of fraud.Equifax should understand as they are battling this issues as of today.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following items deleted Equifax Mortgage dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NM

Complaint narrative:
In XXXX XXXX, Discover closed my credit card. 
I have used this card for XXXX year and I pay the statements on time for XXXX XXXX. 
This is XXXX bonus of this card. After the use of XXXX year, they will give the consumers double cash back. 
I should have my double cash back on XXXX XXXX. 
Before that, they close my account. 
I lose several XXXX dollars. 
The discover is not honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: MN

Complaint narrative:
Back in XXXX I sent letters to all XXXX credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of XXXX showing on my credit report ( that does not belong to me ) or to remove within XXXX days. I received notifications and updated credit reports from all XXXX bureaus showing they had deleted the account in the amount of XXXX} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all XXXX of my credit report 's but this time it 's with a XXXX XXXX agency called XXXX XXXX I never received any notification XXXX days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of XXXX from all XXXX bureaus XXXX, Transunion and XXXX as they are violating the law by not notifying me within XXXX  days.

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 2017-10-05 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: MN

Complaint narrative:
Back in XX/XX/XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX ( XXXX XXXX XXXX ). I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus Experian, XXXX and XXXX as they are violating the law by not notifying me within 5 days.

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 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing with Trans Union regarding inaccurate remarks & also that I was a victim of Idenity Theft. My credit report shows the following do not belong to me : XXXX XXXX XXXX XXXX, & XXXX. 

Federal law requires that Trans Union provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following Inquires deleted : XXXX  XXXX dated XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/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 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Butler and Associates, PA
State: KS

Complaint narrative:
The company ( who has already secured a legal judgement & garnishment order against me ) has attached this debt to my driver 's license. They say that if I do not make payments of at least $ 100/mo, my driver 's license will be ( and has, twice ) suspended. They no longer are allowing missed payments or paused payments due to financial hardship. This is causing a major stress in my life.
Also ... my veteran status is due to service in USPS, which was n't listed in the dropdown menu ( not the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: CA

Complaint narrative:
I recently reviewed my credit report and found that this company ( bonneville collections ) has placed a collection account on my credit report for ; XXXX XXXX XXXX, in the Amount of {$200.00} I do not have any knowledge of this account and this company never sent me a notice to settle this or dispute this prior to placing this on my credit. By law they should have sent a letter giving me 30 days to do this. 


I have contacted them by email about this issue and have not received a response. ( See attached file of email sent to company )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXXI attend XXXX XXXX College ( University ) XXXX Ma, and from XX/XX/XXXX-XX/XX/XXXX Attended XXXX XXXX  College XXXX Ma. I do not recall signing loan checks etc or paperwork for loan payments for the schools to receive payments. After graduation, I struggled to make payments but I did for several years. There was a time I had to file bankrupty for many factors, one I could n't find a job that would offer the salary that would allow me to live normally. Regardless of what the college said of " preparing me to receive a high paying job after graduation. '' I ended up in financial debt and had to file Bankrupty. I reached out to XXXX XXXX and they did not offer any solutions. After some time, they finally offered me different payment options. However, the payment plan was not reasonable and was very high. Deferments and forbearance only took a loan about 10,000 originally, and now it 's over {$33000.00}. Due to other hardships, I have not had the ability to " catch '' up nor have the ability to pay this loan. They have not returned my calls and not have been helpful. I feel as I was taken advantage of financially. They did not reasonably help me find a financially sound way to help me with this debt. It is now three times this size and only increasing. They did not give me options but only profited over the years on my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: SC

Complaint narrative:
Equifax has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX -XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to contact Equifax to request my free credit report. But they refuse to provide me with my granted free report. I believe they have some wrong information on my credit report but how can I dispute it without even being able to get access to my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXXbut when the mortgage lenders tried to get my credit report nothing would show up. I have called equifax, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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:
XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX( 2x ) ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/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 2017-10-05 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: SC

Complaint narrative:
XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX ( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/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