vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX  XXXX XXXX  XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and Transunion have incorrect information reporting on my credit reports. By law, I have the right to sue and I will do so if this information hasn't been blocked or removed from my credit report asap. I have provided copies of my drivers license and my mortgage statement showing my address. They say that the companies have verified this information. How? By what means? What was provided? I have the right to know and see that information. This information can not be proven because it doesn't belong to me. I have never lived at another address. I only have one mortgage with my name on it. I don't live anywhere else and I haven't lived anywhere else. XXXX XXXX, XXXX XXXX, nor XXXX XXXX XXXX XXXX does not belong to me. I have already consulted with an attorney. If this information isn't removed from my credit report asap that is a refusal on behalf of XXXX  and Transunion to remove these items. I have already sent this certified mail as well. I will sue for the maximum that the law allows if this information isn't deleted or blocked from my credit report asap. No information matches. Also, all address that are not on my mortgage statement and drivers license need to be removed asap. The ONLY valid address is XXXX XXXX XXXX XXXX, GA XXXX. 

Lastly, this is not a credit repair agency sending this. This is me ... .XXXX XXXX XXXX XXXX sending this from my computer. You have 2 weeks to remove these items before I file suit.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XX/XX/XXXXXXXX XXXX XXXX 2 ) XXXX  XXXX XXXX  XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.

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 2020-02-12 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: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
XX/XX/2019 We ( XXXX and XXXX XXXX ) were approved for a deed in lieu with our Mtg Company SLS ( specialized loan servicing ).

We continued the process and completed this transaction with a deed and lieu and the property was turned over to SLS.

Loan # XXXX My complaint is that SLS is reporting falsely reporting that this is a Foreclosure on all three credit bureaus. 
My husband and I have made numerous calls to SLS to have this resolved and SLS reports that it being reported correct. 

I have also filed disputes with the credit bureaus with no resolution. SLS continues to report that the loan is a foreclosure and is being reported correctly.

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 2020-02-12 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I noticed a collection account with Transworld Systems on my credit report, which was based on a past due balance with XXXX XXXX XXXX XXXX. I knew that I did not owe any money to XXXX, so I provided proof to XXXX  that the debt was not valid. XXXX stated that they would recall my account from collections. However ; the collection agency has updated my credit reports so that it now shows paid in full which is incorrect. I have not paid on any collection nor have I paid any amount whatsoever to Transworld Systems. This inaccurate collection account needs to be removed from my credit reports immediately. I have disputed with the credit bureaus and the information was falsely validated by Transworld Systems twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

Transunion is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

Experian is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/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 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
My apartment complex mistakenly reported that I owed {$180.00}. The apartment complex, XXXX XXXX XXXX, has provided me with a letter to that effect and says they have sent that letter to National Credit Systems back in XX/XX/2018. 

The collection agency never removed my account. 

This week, the apartment complex has tried more than once to email that letter again to the collection agency. The emails bounced back. 

Each agent I speak with from the collection agency is giving me different and contradictory information about the status of my account. 

Most recently, the collection agency informed me that the inquiry into this had been closed because the apartment complex refused to communicate with them. 

At this point, both of the apartment complex and I are trying to get information resolving this debt to the collection agency, but they don't seem to want to accept it, and aren't giving us a means of getting that information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
" A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. " 15 U.S. Code 1692f. 

On XX/XX/XXXX, Alliance One Receivables Management Inc., acting on behalf of the City of XXXX XXXX mailed plaintiff a letter that was supposedly attempting to collect the disputed debt of {$800.00}. The debt is hereby under dispute pursuant to 15 U.S. Code 1692 ( g ) ( b ) of the Fair Debt Collection Practices Act. 

The criminal offenses alleged that forms the basis of AORM 's underlying debt collection claims are not valid under the Constitution. For instance, plaintiff had not received the Miranda warnings before being interrogated by the police for suspicion of the misdemeanor offense of " sleeping in a park '' while in custody then issued a written citation. The plaintiff 's coerced confession along with the documentary evidence that supports these accusations were obtained against his rights under the Fourth Amendment. Furthermore, any purported non-judicial forfeiture of plaintiff 's driving privileges in connection with this unrelated non-motor vehicle offense is a cruel and unusual punishment including a " grossly disproportionate fine barred under the Eighth Amendment.

AORM 's debt collection practices simply are unconscionable because they are seeking to collect debts that constitutionally are not valid under 42 U.S.C. 1983, 4th, 5th, 8th, and 14th Amendments.

/s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation
State: NM

Complaint narrative:
I wrote them a certified letter to stop contacting me via phone that they received on XX/XX/2018. I also sent a validation letter about they debt which they didnt provide me. They continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have a Federal student loan with Navient dba XXXX, and I have been paying them. There was a time that I fell behind, however, XXXX began to accept my monthly payments again. On XX/XX/2020 I began to receive phone calls and voice messages from someone named XXXX XXXX ( the spelling may not be accurate ) who claims that she represents Pioneer Recovery Services and she is looking to discuss a debt owed.

First, I am making monthly payments to the loan servicer and I do not feel comfortable with paying an entity that I have never received any written or electronic communication from while I am currently paying the monthly fee to XXXX. 
Secondly, I explained this the representative from Pioneer Recovery and she ( this company ) have continued to harass me and those that I know and/or are familiar with. I advised this representative to contact Navient and/or XXXX, as they are accepting my monthly payments. I asked that she, and her company, no longer contact me or anyone that is associated with me. I also requested that she and her company refrain from calling my employer as debt collection calls are not allowed and are grounds for termination. These requests have not been honored ; Ms. XXXX has continued to contact my employer and they have also continued to leave voice messages. My employer has requested that she, and her company, no longer contact them as debt collection calls are not allowed at all for any employee. Unfortunately, the phone calls and voice messages from Ms. XXXX and Pioneer have persisted. 
Ms. XXXX and her company have ignored the adamant requests made, not only by my employer, but by my personal acquaintances which they have located via social media and reached out to via phone. This representative and company have asked that my employer provide them with personal information and details regarding me -- -this is illegal on several fronts. It is also illegal to inform an employer about an employees ' personal economic issues. 
I am filing this complaint to alert your organization about the tactics of XXXX XXXX, a representative of Pioneer Recovery, and Pioneer Recovery as a whole, and how my personal data and information have been compromised and shared with others who were not entitled to this information. 
Please let me know what additional details may be needed in order to cease the harassing phone calls and voice messages that I continue to receive. I would also like to know how best to proceed with filing an official complaint against XXXX XXXX and Pioneer Recovery as they have shared personal, confidential, and sensitive information about me and to third parties that were not privy to this information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
After noticing a derogatory item on my Credit Report on all Credit Reporting Agencies by Santander Consumer USA, I contacted them via USPS certified mail and requested all documentation including details on their claims and application bearing my signature.

They have neither responded to my request or notified any of the Credit Reporting Agencies of my request and dispute as per FCRA requirement. 
I then disputed this item with XXXX and they were just notified as information accurate and no other information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: NY

Complaint narrative:
I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on transunion. This is all inaccurate information. 


Also on XXXX  I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & 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