vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on my 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 2019-10-03 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on my 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 non-monetary relief
Consumer complaint received 2019-10-03 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: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
on my credit report I have noticed that I have two different third party credit agencies reporting the same debt on my credit report. I have learned and understood that this is a violation of the CFPB and FCRA. I have sent several disputes to both agencies and they're both continuing to report the same account. I also noticed that IQ DATA INTERNATIONAL is charging interest on top of the balance they claim I owe. I have went as far as to calling the apartment complex ( original creditor ) to see what debt I owed they were unable to give me any information, they mentioned that they had just purchased the property and gave me contact information on the company that owned it previously. I contacted a company called XXXX to find out information on the debt and they gave nothing. I also went as far as calling XXXX XXXX which is the company that IQ DATA says they collect for and they were also unable to find any information on me, not only do they not own or manage the property they also said that they have not used a third party to collect for them since XX/XX/XXXX. on XX/XX/2019 I spoke with an IQ DATA representative by the name of XXXX and her supervisor name was XX/XX/XXXX. she was very rude and she yelled at me told me that this she didn't care to listen to what I had to say over the phone that she would continue to harass me until I send in letters in which I've done on several occasions. I also went as far as trying to ask questions about the debt to get information and she hung up in my face.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I have purchased an automotive part on XXXX from XXXX XXXX using my Mastercard. The part had a one year warranty for a part and 90 days for labor. The part has failed on XX/XX/XXXX and I had a repair done on XX/XX/XXXX with a new part purchased from a different vendor. 
I have contacted XXXX XXXX about getting a refund for the defective part however my communication was ignored. Subsequently I have contacted Citi Mastercard and the company refused to proceed with a dispute stating that the purchase was made over six months. 
1 ) Why is the Mastercard setting a six months limit for any dispute and does this limit complies with the Illinois state and federal laws?

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 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call from a company called XXXX XXXX XXXX claiming I had a lawsuit against me by Ace cash express for breach of contract for a loan they claim I took out in XX/XX/XXXX. Had told me a letter was sent to me certified mail and they were going to come to my house for me to sign documents. I asked to have this rescheduled so I had time to look into the company and the person who called. They said my loan was {$700.00} but they didn't understand why my payoff was {$690.00}. They claimed Ace cash was suing me for over {$2000.00} according to Texas state law they were allowed to charge over 3x 's the amount owed. I contacted Ace cash immediately today on XX/XX/XXXX to which they claimed the did not harass their clients like this. 
They continued to contact family members in a different state claiming lawsuit and requesting information for a background check. 
I asked what jurisdiction and county this lawsuit was out of and they could not give me that answer. I was then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
On XX/XX/272019 I sustained a water leak under my kitchen sink. I filed a claim with XXXX, my Homeowners Insurance. 
After delays with XXXX, the work to rebuild my kitchen began on XX/XX/2019. 
All checks submitted to me by XXXX are required to be sent to my Mortgage Company, Rushmore Loans. 
On XX/XX/2019, a check for {$32000.00} was issued to me and, subsequently forwarded to Rushmore ( with all required notarized documentation ). I sent these documents via Mail and, when I followed up with my File Owner, XXXX ( XXXX ) she claimed they were never received. I then uploaded the documents on their website ( XXXX ) and again, XXXX claimed they were never received. Finally, I faxed everything and got a confirmation that it was sent/received. 

I later checked the transaction history on my Mortgage account, and it shows that on XX/XX/3019, the check was deposited, and that on XX/XX/2019, the check was RELEASED to me. 
This is false, as that amount was never released to me. 
I have, in fact, paid over {>= $1,000,000} OUT OF POCKET for materials and labor in order to keep the work going. 
In the meantime, I have left 7 voicemails for XXXX over a two month period, and she does NOT return calls. 
I feel something fishy is going on here. XXXX called me once, while I was working, and arranged to call me back at XXXX that afternoon, but never did. 
The one time I finally got her on the phone, she claims we had a bad connection, and wanted to call me back, which I didnt want to take the chance to do. 
Furthermore, she is very un-informed, cant answer a single question, and cant explain why this check is documented as released to me when it never was

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: CO

Complaint narrative:
Equifax is reporting incorrectly on the XXXXT partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor in the past, have ever had a XXXX XXXX credit card. This account is reporting in error and needs to be removed from my credit report. I have also attached a copy of the Identity Theft Report I filed with the Federal Trade Commission. I have not applied for, nor ever given permission to anyone to open this credit card. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: MS

Complaint narrative:
I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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 2019-10-03 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: MS

Complaint narrative:
I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, EXPERIAN, XXXX XXXX, XXXX XXXX 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 2019-10-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2019 my credit card company sent me an email saying that new credit cards were mailed per my request. I called them and said that I never ordered new cards. They cancelled the credit card number and no fraudulent charges were made. They issued a new card to me and instructed me to file a police report. The police department instructed me to file a fraud alert. Unbeknownst to me this fraud alert would prevent me from getting a mortgage that I had applied for. I called all 3 credit bureaus to remove the credit freezes on my accounts and remove the fraud alert. This required hours upon hours on the phone and faxing confidential information trying to resolve the issue. I had to continue to work with only one mortgage company and was not able to shop for a better interest rate. They were finally able to get two credit scores and the mortgage went through, albeit at almost .50 % higher than prevailing interest rates. On XX/XX/2019 I received a letter from Experian. I am a college educated professional with 40 years in the Financial Services industry but I am not able to discern what the letter is telling me. There is no phone number on the letter so there is no way to call them to ask questions. I tried their website for help and had no luck. I tried various toll free numbers from the internet. None of them were helpful and it was impossible to reach a live representative. I can't even mail something to them because I don't know what they their letter means so I don't know what to mail them. A couple of weeks ago I had a similar experience with XXXX. Although I was able to speak to a representative they said they could only remove the fraud alert if I mailed in a letter, because I don't have access to a fax machine, with a copy of my social security card and driver 's licence. I am reluctant to do that because it is possible that this information can get lost or stolen. It is unconscionable that the credit bureaus are able to hold the public hostage in this manner. I am at my wits end.

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 2019-10-03 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: GA

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied " Blue Cash Preferred Card '' by the promotional link online on XX/XX/2019. There was no message or any warning saying that I'm not qualified this promotion when I finished the application. However, I couldn't received a sign up bonus ( {$300.00} Credit ) even  though I spent more than {$2000.00} within 3 months. 
When I contacted the customer center by online chat a few days ago, the person said the company declined the promotion for me because of misused a card or closed an account within 12 months. I haven't closed any account within 12 months after opening and the person haven't provide the exact reason for declining the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: PA

Complaint narrative:
This letter is being sent to you because I got a credit report notification that they are accounts that were added to my Transunion report. Since no organization has contacted me in regards to these accounts, TransUnion is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : 1. XXXX XXXX XXXX claims {$7500.00}, and the account is unknown and was not validated 2. XXXX XXXX claims {$820.00} account is unknown, and was not validated Please provide me with the following as a result of Transunions investigation in this matter : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed including MY SIGNATURE to pay what you say I owe you ; Provide a verification or copy of any judgment if applicable OR As according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals whom you have contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. As you know consumers credit reports must be 100 % accurate, my credit report is not and TransUnion is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report or provide the validation completely as requested.

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 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Frequently used the term of " Personal matter '' and frequently asking for my birth date. Refused to answer what was the call for and consistently calling me for my private information. I contacted the original creditor and completed the payments through 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 2019-10-03 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: FL

Complaint narrative:
Trans Union has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX   XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally TransUnion is the ONLY credit Bureau reporting this. It shows TRANSUNION : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. TRANS : XX/XX/XXXX XXXX : XX/XX/XXXX & XXXX:XX/XX/XXXX LAST REPORTED DATE : TRANS : XX/XX/XXXX XXXX : XX/XX/XXXX & XXXX:XX/XX/XXXX. 

In my first dispute with XXXX their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my TRANsUNION report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on TransUnion there showing XX/XX/XXXX|XX/XX/XXXX|XX/XX/XXXX I'm LATE 120 days in each box ; HOW?? How, there is only  30/31 days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. XXXX an XXXX are reporting this company XXXX XXXX XXXX. 

Now XXXX says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet XXXX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. XXXX is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )

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 2019-10-03 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: NC

Complaint narrative:
This information reporting on my credit report attached to FTC report are not my accounts

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 2019-10-03 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: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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