vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 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 have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX  I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all

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 2018-03-22 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: CA

Complaint narrative:
I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On Equifax I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: TX

Complaint narrative:
Equifax continues to report that the XXXX XXXX XXXX Account is still open with a balance of 10,000+ Dollars. However, XXXX XXXX XXXX has verified numerous times that this account was paid off nearly a year ago. Yet, Equifax continues to report it as an open account with balance. I have tried several times to get Equifax to update this record, but they will not. 

XXXX XXXX XXXX - XXXX - Balance - XXXX I have also Reached out to Equifax regarding the XXXX Account that shows a balance on my report of XXXX. This account has been paid off months ago and Equifax will not update its records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 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: CA

Complaint narrative:
I applied for a XXXX with XXXX in XX/XX/2017. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to Equifax, there was a hard pull from XXXX on XX/XX/2017. I called Equifax and was told that I had to call XXXX  to remove the inquiry. I called XXXX  at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
No Contract with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by State Farm insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, State Farm is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that State Farm is responsible for my claim. I am not responsible for this balance because payment was made to XXXX  from subrogation of State Farm. The damages handle between the two parties was based of the information submitted by me to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
No Contract Company has not Verified the debt according to the Federal Guidelines of The Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: FL

Complaint narrative:
Want to dispute account need full validation that's on credit reports by XXXX XXXX XXXX   Date : XX/XX/2018 Amount {$1000.00} Date is incorrect Company continually adding to report and contacting from a 3rd party agency Need full validation of account being accurate

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
No Contract Company has not Verified the debt according to the Federal Guidelines of The Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
No Contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I applied for a credit card at the XXXX in order to get furniture. I was approved the same day and ordered =my furniture right away. My FURNITURE was delivered on XX/XX/XXXX which I believe is the payment date. I started to pay {$100.00} the XXXX or XXXX of every month while my minimum payment in the contract was {$47.00}. A few month later, I found out that my credit card was charged late fees by XX/XX/XXXX which is associated with the XXXX. I called them to know the reason. In response, the Representative of XXXX XX/XX/XXXX said that it because I was supposed to pay the XXXX of every month, allegation that I disagreed with. However, I request to schedule the payment date the XXXX of every moth because it's my paid day and give her my credit card information for autopay and She told me to call the XX/XX/XXXX to get a final approval of the request. In XX/XX/XXXX, I called and the Representative told me that my payment date will now be the XXXX. In XX/XX/XXXX as I was expected the payment to be updated, nothing happened then I called again. In response, the Representative said that the billing circle does not allow them to place me on XXXX, so they schedule the payment date the XXXX of every month. I was so embarrassed with this kind of customer service and told him that the XXXX won't work for me due to budget. Now, they've been charging me over because last month they did not receive my payment. I have been having hard time dong business with the XXXX. I am embarrassed. They are just taking advantage of me because they are not making any effort to well manage my account and keep my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX, a debt collector has been attempting to contact us about a past due bill. This debt collector is contacting a 3rd party on numerous occasions ( my Father ) Debt collectors are not allowed to contact 3rd parties or Family members more than one time, unless that family member or 3rd party requested them to do so. My father has informed this debt collector that we do not reside at his home and has asked not to be called. XXXX XXXX has contacted my father more than 2 times per day for a week straight, and at all hours. This must stop or we will be forced to take legal action. One operator has left his name on multiple occasions, his name is XXXX XXXX, or do he says. XXXX needs to follow the laws for debt collection, when attempting to collect said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Ive been locked out of my Coinbase account, and unable access all digital wallets. Ive called Coinbase multiple times, sent multiple emails, and am still unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Caller did not leave name of company but left phone # to call within 2 hours to avoid legal complications. XXXX XXXX XXXX. They called my employer and my son 's mobile #. Not me. They said they were trying to deliver legal papers that I had refused to sign. I have not refused to sign anything. I called the # back and a lady answered. I asked who she was and she gave me a name something like XXXX XXXX XXXX and asked me for a case #. Told her I didn't have one and that I'd call her back when I got it. Called back an hour later and got a man 's voice mail just saying " Loss Mitigation '' leave a message. Left a message with my phone #. Called a few more times. Same voice mail. No call back. I see no attempt to deliver papers to my home. This appears to be either a scam or an illegal attempt to collect a debt, but I don't know what debt it would be. REALLY not cool to call my employer and my son but not my own cell phone # that I've had for 15 years -- so clearly if they found my employer and son 's #, they could find mine. 

My son saved the voice message should you want to listen to it. In that message they don't even have my last name correct. They tacked on an old married surname from 30 years ago to my current surname.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have tried numerous times to get this non-compliant reporting situation fixed. Experian credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance e-oscar  reporting under the Fair Credit Reporting Act.

The Metro 2 Five points of compliance clearly states the following ... 

**1 e-OSCAR is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , Experian , XXXX and XXXX , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Experian continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Experian refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.

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 2018-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: IN

Complaint narrative:
Ma'am or sir I can not explain to you for the third time what has happened or what companies I am being discriminated against because I have social security XXXX income I also have HUD which is urban and Housing Development I'm trying to get custody of my granddaughter and I'm trying to move I'm trying to get a automobile financed I'm trying every company I think that is on the internet and the last 2 months so all you have to do is look at every single company I was given the wrong advice by XXXX XXXX   and by XXXX XXXX XXXX telling me to keep trying and fill out as many at the patient 's you can a day. Well that has given me about a XXXX XXXX trees no one has approved me and if they have texted me and said you're pre-approved to me that's unprofessional and scares me. I have been scammed by the US Treasury Department supposably and XXXX XXXX guy called I mean you could have of won an Emmy because he was so believable I actually tried to open up a bank account and download the mobile app so that he could transfer XXXX now when I say it or voice text it in this I just want to XXXX XXXX XXXX XXXX XXXX like this is caused me to have major major major insecurity issues about my XXXX it has caused me to be XXXX years old and have nothing and no chance I feel like I have no chance I don't even want to respond to the pre-approved things because just the other night I was pre-approved for that XXXX XXXX and I paid a {$39.00} down payment which honestly I don't know why they approved me and then I got a email two minutes later saying that that {$39.00} was non-refundable and that they can not approve me because I got a card from them or was trying to get a card from them in the last 30 days which makes no sense why did they send me an email and tell me to fill out their application! People are discriminating against me because I have social security income. I'm also trying to claim my granddaughter and I'm having problems because someone in the family snuck and claimed her without the mother 's consent I have the mother 's consent and I have mail so that would have given me a large bank account which I could have paid back any loan right then and there nobody wanted to prove me for a XXXX not even XXXX. I am going to take this as far as I can go I'm going to get a lawyer and I'm going to do something about this it is nothing but discrimination I pay {$150.00} a month in rent what else do they expect a person to have. And if I find out it's from the XXXX increase I'm going to sue every single company that looked at my report and then denied me for no freaking reason discrimination, discrimination, discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax confirmation # XXXX investigation results dated XX/XX/XXXX stated that the disputed public record was not reporting on my credit file. I'd previously sent many certified letters with documented proof that this was an erroneous and unverified public record by purchased from 3rd parties. I then requested a copy of my full credit file so I can see proof that the record was indeed removed and instead I get a full reversal of the investigation with no valid reason why in Equifax confirmation # XXXX dated XX/XX/XXXX stating they will keep the erroneous, unverified public record damaging my credit rating for 10 years. 

I know for a fact that Equifax has not verified this public records because I called the Court house and received a written statement that this information was never transmitted to Equifax or anyone else. I also know that Equifax has not verified this information form XXXX XXXX because 1 ) I've have an identity theft/breach freeze on the account since XX/XX/XXXX and 2 ) XXXX XXXX is a 3rd party vendor that sells data to reporting agencies and do not have the ability to verify or validate the accuracy of the information under any circumstances. 

So before I escalate this continuous issue with Equifax to small claims court seeking no less than {$5000.00} in damages I am raising this issue via CFPB and the Federal Trade Commission so my FRCA rights can stop being violated. I have attached the documented proof from the Clerk of Court, and responses by Equifax showing the conflict and total reversal in the investigation results. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
1. Ive never had a phone from this company. Ive reach out trying to see exactly when this bill was acquired, and exactly how much of my personal information was out there. They had me name and my social security number but they wouldnt give me anymore information. 
2. XX/XX/2013 is the date that the bill was acquired. 
3. Collection bill is XXXX {$4.00}. Collection company is XXXX XXXX XXXX. 
5. Original collection company is XXXX 6. Ive tried to explain to them that is not my bill, and I should not have them calling or sending letters trying to get me to pay it. They do not care they only want the money I do not know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: NV

Complaint narrative:
I have tried numerous times to get this non-compliant reporting situation fixed. Trans Union credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance XXXX reporting under the Fair Credit Reporting Act. 

The Metro 2 Five points of compliance clearly states the following ... 

**1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , XXXX , XXXX and TransUnion , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Trans Union continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Trans Union refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Good Day This is a formal complaint against XXXX XXXX. On XX/XX/XXXX a certified letter with return receipt was sent to the company requesting validation of debt they stated I owed. I have no recollection or knowledge of the debt in question so I wanted and requested that the provide me with any documentation referenced to the account Midland stated I owed. On XX/XX/XXXX, a letter from Midland was sent to my address stating that they opened an investigation regarding my dispute. The letter also stated that in the meantime they would not be contacting me by mail or phone unless to respond to the dispute requested by me. The letter was signed by the Consumer Support Services Manager, XXXX XXXX. The letter also stated that the law limits state how long I can be sued on a debt, and because the debt was beyond the statues of limitations for the State of Md. However, they would continue to report the debt as unpaid. 


First, they need to provide documentation that the debt does not belong to me. A letter stating how they are going to respond to letter does not show any proof that I owe this debt. I am simply requiring XXXX XXXX to provide the documentation. I have also disputed this account also with the CRA 's for verification ( XXXX, XXXX, and XXXX  ) prior to requesting validation with the collection agency Midland. So the letter sent to them was my second attempt to resolve the situation with Midland. 


Sincerely, Consumer

Company response to consumer: Closed with explanation