vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 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 XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.

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 2018-10-10 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: DE

Complaint narrative:
Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: DE

Complaint narrative:
Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong 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 non-monetary relief
Consumer complaint received 2018-10-10 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: AUTOMOTIVE CREDIT CORPORATION
State: MI

Complaint narrative:
I contacted Automotive Credit Corporation in regards to a credit inquiry I did not authorize. I was transferred to XXXX XXXX XXXX XXXX whom Collections representatives are extremely rude. They pulled my XXXX report on XX/XX/XXXX without my authorization. When I asked them why they said I signed a contract back in XX/XX/XXXX which authorized them to pull my credit report whenever they feel like it and the contract has no expiration date per XXXX whom was rude. My concern since I have no contract with XXXX XXXX XXXX XXXX they pulled my credit report fraudulently. I did not give them permission on XX/XX/XXXX to pull my report. Automotive Credit Corporation is also reporting to XXXX  incorrect information on a collection account. They are continuously reporting I have a XXXX balance and I have received documents that my current balance owed to them on court documents is XXXX. My employer certified a final statement on garnishment to them with the court ordered amounts. I tried to resolve the issue with them and I am getting no where. Their representatives are rude and do not seem to know what they are talking about. I would like the hard inquiry on my credit report investigated and removed. I will also like them to update my XXXX report with the current amount owed per my court documents or to settle for the said amount in my court documents which is 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 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Systematic National Collection, Inc.
State: CA

Complaint narrative:
Bank owed debt on a cash withdrawal that caused account to stay in a negative status, the debt was incurred from a Bad Cashier Check Deposit ( the Cashier check was furnished from a Counter fit Person under investigation ) I personally filed a criminal police report on the person who gave me a counter fit Cashier Check with the XXXX XXXX Police Department. I wasnt able to bring my checking account to a positive status, thus creating a debt in the amount of the cashiers check. The collection agency has created over $ XXXX intrest on the original debt amount {$2000.00} ~ Under the Fair Debt Reporting Act, intrest cant be incurred if their no agreement and a checking account does charge intrest but a None Sufficent Fee, this Debt amount reported is inaccurate and not true. 
UNDER PENALTIES OF PURGERY THE INFORMATION IS TRUE AND CORRECT. 
XXXX XXXX @ XXXX XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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:
I have an account reporting on my transunion account under the name XXXX XXXX, account # XXXX, that does not belong to me on my credit report. I sent a letters to transunion on XX/XX/18, XX/XX/2018 telling them that this account in not mine and that they remove this information because it is not accurate. They keep allowing the account to be updated by the collection agency even though ive demanded to see their proof of how they validated it. under section 609 of the fcra they must provide me with proof that this account is mine and they must provide me with the method of validation which they have not. I am 100 % sure this account is not mine. Transunion must not be allowed to blatantly break the law and allow this incorrect information to remain on my account.

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 2018-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I was issued a fraudulent check in the mail, and then made payments based on the payers instructions and ended up losing the money through fraud. I had cashiers check sent in the mail for {$2200.00} for a table I was selling along with the payment I was to pay movers. I deposited the check and it cleared with my bank PNC. So per the buyers request I sent the movers payment of {$1700.00} with two separate transactions via XXXX to XXXX XXXX at XXXX and XXXX. The first transaction was {$1000.00} on XX/XX/18. The second for {$700.00} on XX/XX/18. The buyer later requested a refund and said he no longer wanted the table so I attempted to refund to XXXX XXXX at XXXX via XXXX however i realized the fraudulent check was withdrawn from my account by that time so I canceled the final payment. The issuing bank discovered the fraudulence and withdrew the initial {$2200.00} Overall they stole {$1700.00} from me. I have the persons phone number as he has been texting me from XXXX ( XXXX ) XXXX. I have filed a police report. XXXX and/or PNC are able to track where the payments were sent and contact that bank or get the receivers information so that I can give them to authorities. The banks are doing nothing to resolve this issue of fraudulence or offer any type of fraud protection to get me reimbursed or find the person so I can inform police, and I have spoken to multiple levels of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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 XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area

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 2018-10-10 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 XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area

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 2018-10-10 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: On-Site Manager, Inc.
State: WA

Complaint narrative:
My application for an apartment was denied on XX/XX/2018 by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The agent said there was negative rental collection on the report that was provided by Real Page, using this identity and address : LeasingDesk Screening XXXX XXXX XXXX. 
XXXX, Texas XXXX ( XXXX ) XXXX http : //www.realpage.com/consumer-dispute I've contacted Real Page and have not been provided any additional details on the derogatory report or any means for resolving the matter. The net result is that I can not rent an apartment by any property management company in the XXXX area as it seems most of these companies use the same service from Real Page. 

I believe this company is in violation of the FCRA. 

Please contact me at XXXX or XXXX if you have any questions or suggestions for how to resolve this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting inaccurate unverifiable information on my credit report. Experian is reporting a Chapter XXXX Bankruptcy in my public records that has not been 100 % properly verified. After conducting a reinvestigation from my last dispute Experian stated in their result finding that they have contacted the public record vendor ( US BKPT CT IL XXXX ) to verify the disputed Bankruptcy is reporting accurately. 
I have reach out to the ( US BKPT vendor ) with the contact information given to me by Experian and this vendor has confirmed that they DO NOT report this type of data to credit reporting agencies. They also confirm that they do not have any information on me at this time. Experians method of verification for public records is not complying with the requirements of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate chapter XXXX bankruptcy has been deleted from my other credit reports. Please see attachment.

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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion keeps displaying wrong employer on credit report. XXXX XXXX is innacurate and needs to be removed. Company says I did not list employer to be removed so they could not handle complaint, which is false. XXXX XXXX is on evey complaint thats been filed.

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 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MSW Capital, LLC
State: FL

Complaint narrative:
Dear Sir or Madam, I monitor and take my credit reports very diligently. I was never informed in writing, or for that mattter, verbally, of an alleged original debt from XXXX XXXX XXXX, the supposedly alleged creditor. As a first note, this alleged debt is so old, it is nearly at the statute of limitations for debt reporting and or collection efforts. The alleged debt is as follows : Allegedly Opened in XX/XX/2012 No Account Number Provided ( At All ) Alleged Credit Limit {$500.00} Alleged Amount Due {$800.00} Not possible to owe that much more than a credit limit NEVER notified of this alleged debt 30 Day legal contestable period never adhiered to No Original/Post Written Record Provided Current Alleged Debt Buyer : MSW Capital ( Never Inforened in writing from them regarding anything ) Attempted to dispute denied, based on no verification ( XXXX XXXX, MSW ) XXXX XXXX contacted at : XXXX MSW contacted at : XXXX This is the only alleged negative remark on my credit report Perfect payment history on all accounts Alleged debt never notified of or verified I request your help in having this alleged and bogus item from my credit report in a timely manner. I respectfully and greatly appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XX/XX/2007 i was contacted by XXXX, i was told i was going into default and defaulting on a loan would affect my credit adversely ( the dept of education would take any income tax returns i might be entitled to, and taking my social security benefit at retirement to repay the student loan ). I was unnerved and i did not know who to get valid information from. i contacted a lender provided by the dept of education and XXXX, the lender told me my best option would be to consolidate my subsidized and unsubsidized loan and that would stop the dept of education from taking my income tax returns and at retirement my social security benefit. I borrowed {$43000.00}, XXXX stop providing loans when i reached the {$43000.00} loan disbursement amount. I became behind in my expenses and my debt me to fall behind and eventually defaulting on my student loan. I received my student loan statement and my student loan debt doubled i was told i owe for the loan i actually borrowed from while i attended school but also for another loan that i did not borrow for. I am currently not non default and i received a loan schedule from Navient and my repayment amount has increased from {$360.00} to {$580.00}. I can not me those terms and I am being charged for a loan i did not borrow from or use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I recently opened a Suntrust checking account with the " XXXX XXXX XXXX Debit Card '' that offers a sign up bonus " Earn XXXX bonus miles after your first PIN Point of Sale or signature-based purchase ''. I completed the requirement on XX/XX/XXXX with {$1.00} purchase at " POINT OF SALE DEBIT XXXX XXXX WA ''. I've reached out the Suntrust through messages multiple times and still have not received the XXXX sign up bonus miles.

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