vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 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: AZ

Complaint narrative:
there are alias names and previous addresses that need to be deleted as I never used the see XXXX  XXXX  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 2020-11-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
My account was just unlocked by XXXX last week and then a few days later reliacard actually locked my card. Im not sure why. There was no explanation on why they just did it.

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 2020-11-29 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I have a mortgage loan # XXXX with Santander Bank in Puerto Rico. Firstbank purchased Santander Bank a few months ago and when they did, they messed up the reporting of the loan to the three credit bureaus and because of their mistake they caused significant damage to my credit scores, reducing them by 48 and 52 points. I have tried by all means to get the bank to correct their mistake, but even though they wrote to me saying they'd fix it, they never did it. They just don't understand how to change the status of an account that they already closed ( they closed the Santander mortgage account and opened a new one under the Firstbank name ). I've tried to explain it to them over and over again, but their staff lack the necessary knowledge to correct credit reporting errors. I am in the process of buying a new home in Florida and the mortgage bank pulled a new report this month, and because of the 52 point reduction in my score, they increased the interest rate on my loan. Firstbank has caused me irreparable damage through their actions. They also haven't complied with federal laws that regulate how banks must handle and fix credit report errors. They were supposed to fix their mistake no later than 30 days after being informed of it. I am pretty sure this mistake happened with most of Santander Mortgage customers who took advantage of Covid-19 forbearances, some of which as of this day have no idea their credit score has been affected negatively by Firstbank. I know about it because I pay a monthly fee to XXXX  for credit monitoring. But most XXXX XXXX  don't monitor their credit. The mistake in the reporting by Firstbank has to do with the fact that they reported incorrectly Covid-19 forebearances as " not more than two payments past due '' and/or " 30 days past due '' in the payment status. This is illegal because the CARES ACT explicitly says that if a loan was current when the forebearance agreement was finalized ( and mine was ), the creditor needed to continue to report the loan as being paid on time or being current during the forebearance period. I include copy of a letter from Firstbank where they acknowledge their error and let me know that it's been corrected ( it never was ). I also enclose a copy of my most recent credit reports from XXXX and XXXX that show payment status as " not more than two payments past due '' and " 30 days past due ''. This is the line that they need to correct to " Pays account as agreed ''. PLEASE SEE PAGE 26 of XXXX  CREDIT REPORT where the only red alert in the report is shown. In the XXXX  REPORT the account also shows incorrectly a payment status of 30 DAYS PAST DUE. PLEASE SEE PAGE 21 OF XXXX  CREDIT REPORT where the only red alert in the report is shown. I also include screen shots of the XXXX  page where the 48 and 52 points drops in my scores are shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I placed a credit freeze with squid ax 18 months ago. I tried to do a temporary lift this summer and was locked out of the report. I faxed info requested info - DOB, last five years residence, SSN, pic of drivers license ( have transmittal sheet proof it was received ). Called Equifax a couple weeks later sand agent said nothing in system that they received it. So two weeks later ( a month total since my fax was sent ) I sent a letter with copy of fax, proof of transmittal and all info from the fax snd mailed certified to equifax. Its been three weeks since I mailed that. 

They received it a week after I sent it. The letter included request to allow me access to my credit file to to freeze/unfreezes or explain why the are refusing. 

I tried getting into my equifax today XXXX Sunday XX/XX/2020 ). I am still getting the screen that says there is an issue and to call them M-Fri.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
Early termination fee was paid in payments. After debt was paid off, with monthly payments in check form, XXXX XXXX sent me to collections. The debt collections has been asked multiple times to take this off my credit report, they don't acknowledge my attempts at contacting them. They say I never paid XXXX, a copy of the check is attached as well as an additional copy of a check for XXXX cents that I was later billed for. I have filed with XXXX  to have it removed from my credit file, they have also ignored me.I have repeatedly tried to call them without success. Please help. 

Sequim Asset Solution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX! XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Johnson Mark LLC
State: OR

Complaint narrative:
Today, XX/XX/2020 at XXXX PST, I received a call from an acquaintance ( not a spouse, never lived at his address, not a relative ) who told me a man came to his door and would not stop knocking for almost 30 minutes. When my acquaintance opened the door the man asked if he knew me - he said yes. Then the man asked if I kept an overnight bag there, and asked my acquaintance his name. When my acquaintance told him, the man stated his name back to him and substituted my last name as follows " oh so your name is really BLANK BLANK, '' inserting my last name. When my acquaintance corrected him and said NO, the man handed my acquaintance a four page legal document that contained some type of debt collection details and said give this to her. My acquaintance was appalled at not only this VERY obvious violation of my privacy and my rights, but at the disgusting tactics used by this man at trying to collect a supposed debt. I have sent the company a cease and desist in writing and filed complaints with the XXXX  for this situation. This company is violating the FDCPA by harassment and disclosure in addition to violating a previous request of no contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: MA

Complaint narrative:
Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2020-11-29 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not 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 2020-11-29 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Credit and Collections Inc.
State: WI

Complaint narrative:
In XXXX this account was reported to my credit in the amount of {$530.00}. It was charged off and placed back on my report in XXXX. They have now posted that the date placed for collection was XX/XX/XXXX which isn't true due to this information being falsely reported because no debt is owed, which is the reason it was charged off once before. They've updated my credit report XX/XX/XXXX without notifying me of any changes made what so ever. On my report it states that this debt is estimated to be removed XX/XX/XXXX which continue to update and change whenever the company feel the need to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2020-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: IN

Complaint narrative:
C

ontacted discover bank to report unauthorized charges. Discover provided provisional credits for charges
.

Weeks later -credits were reversed contacted discover again and was told charges were found to be valid based on my information was attached to the charges I advised them my information was compromised and the card was stolen, they told me nothing can be done. 

Another charge was from XXXX from a previous order I had returned XXXX has issued the refund and later on I found out they recharged me without my authorization. I told discover about this they closed the card and issued me a credit on that witch was reversed and they told me later on XXXX took back their credit because I returned the wrong item?! I said they issued me a refund after the merchandise was returned. Then weeks later with out my authorization made a completely new charge manually entered and recharged the amount they still have the returned merchandise! That is fraud and discover will not fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
It shows that I currently have an open account with a cable company. That is false, I have a different company for cable currently. When I called the cable company that I allegedly owed to check the status I was told by customer service that my information wasnt found in their system for a current open account. I asked why it was reporting on my credit report as an open account and they said they didnt know. There is no contact information for the collection company on my credit report account. I have no way to dispute something that there isnt even any proof of existing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Today, XX/XX/2020 at XXXX PST, I received a call from an acquaintance ( not a spouse, never lived at his address, not a relative ) who told me a man came to his door and would not stop knocking for almost 30 minutes. When my acquaintance opened the door the man asked if he knew me - he said yes. Then the man asked if I kept an overnight bag there, and asked my acquaintance his name. When my acquaintance told him, the man stated his name back to him and substituted my last name as follows " oh so your name is really BLANK BLANK, '' inserting my last name. When my acquaintance corrected him and said NO, the man handed my acquaintance a four page legal document that contained some type of debt collection details and said give this to her. My acquaintance was appalled at not only this VERY obvious violation of my privacy and my rights, but at the disgusting tactics used by this man at trying to collect a supposed debt. I have sent the company a cease and desist in writing and filed complaints with the XXXX  for this situation. This company is violating the FDCPA by harassment and disclosure in addition to violating a previous request of no contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Emergecard.com appears to me to be a receiver, for collections purposes, of old/terminated accounts of XXXX XXXX XXXX XXXX XXXX ( XXXX ). They have a separate website at www.emergecard.com, which I have been using for years to make my monthly payment. My XXXX payment is due in 2 days ( XX/XX/XXXX ) and ahve been trying to make daily for more than a week, and their website has been down for every day for that period, disallowing logins, and leaving all its cardholders no option to make their regular monthly payment online. They took the website down with no notice to cardholders to give us the opportunity to mail payments so they would be received in time by their due date. The site " XXXX '' ( XXXX ) shows the status of their website as " XXXX '' which means it has either been put up for sale or is no longer able to be authenticated as owned by the listed/prior owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I placed a credit freeze with squid ax 18 months ago. I tried to do a temporary lift this summer and was locked out of the report. I faxed info requested info - DOB, last five years residence, SSN, pic of drivers license ( have transmittal sheet proof it was received ). Called Equifax a couple weeks later sand agent said nothing in system that they received it. So two weeks later ( a month total since my fax was sent ) I sent a letter with copy of fax, proof of transmittal and all info from the fax snd mailed certified to equifax. Its been three weeks since I mailed that. 

They received it a week after I sent it. The letter included request to allow me access to my credit file to to freeze/unfreezes or explain why the are refusing. 

I tried getting into my equifax today ( Sunday XX/XX/2020 ). I am still getting the screen that says there is an issue and to call them M-Fri.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: GA

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXbreach and may have got into the hands of the wrong person.

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