vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 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: TX

Complaint narrative:
I have disputed the same incorrect address on both Transunion and XXXX multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.

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 2018-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: State Home Mortgage
State: GA

Complaint narrative:
The closing date on my home loan with State Home Mortgage company is XX/XX/2017 and the loan payoff payment was made, however the company reported the XX/XX/2017 payment as 30 days past due on my credit report. The XX/XX/2017 payment should not be listed as late because the home loan was paid off in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
No other credit agency charges for this service. Apparently, Experian believes they wont be hacked like XXXX was. This is a racketeering service that consumers should not have to pay for to protect our identity. They charge at least {$9.00} per month and higher for you to be able to lock your credit report so they can hammer with other services that cost. Why should any consumer have to worry about paying a fee we can't afford just to protect our identity because a credit bureau agency wants to racket this free service to pad their bottom line. I am talking with a class action attorney as I believe this goes against many laws and with identity theft on the rise you are discriminating against minorities who can not afford this fee or dont have a credit card. This is racial basis as a minority just trying to make it. This is unconstitutional to all Americans and the next form of discrimination. Also, they offer you to put this on your cell phone bill as a payment option as if those bills aren't high enough already. Apparently, they haven't considered the fixed income many Americans and minorities are already on. They are illegally collecting this fee in the state of Texas per the Texas Finance Code. Texas Surety bond information as required by Sec. 392.101. Based on the attachment they dont have a surety bond. I'm filing a complaint with the attorney general 's office.

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 monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Was denied credit due to negative information on report supplied by Southwest Credit. Never contacted at all before information was supplied on credit report causing defamation of character and load denial. Reported that the debit took place XX/XX/XXXX. I have been a resident of XXXX XXXX since XXXX. Account was cleared with XXXX XX/XX/XXXX no balance due since moving of apartment. No signature on any paperwork to verify thus debt. 

1. Statute of limitations expired in the state of XXXX  in XX/XX/XXXX. 
2. Southwest credit provided false information to the 3 bureaus without even verifying the debt which is unproven and the incident took place XX/XX/XXXX 3.  Caused a denial of credit and score drop due to in proven false information. 
4. Refuse to provide company address, web site and necessary information to receive written documentation. 
5. Disconnected from phone call on XX/XX/XXXX at XXXXXXXX when requesting mailing information. 
6. Reporting debt of {$180.00} that is not verified and created in another XXXX state back in XXXX past the statue of limitations. 
7. Attempting to force me to pay for something that is falsely created.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Due too hippa law information was shared to a collection agency and or 3rd party without my consent or permission!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I've updated my information with all agencies. Credit Karma will not updated my information. All I get back are generic email messages. No contact information to speak with any one about this problem. I have emailed several times and continue to get the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Due to hippa Violation I didnt give consent of permission too have my information shared too a collection agency and or 3rd party!!!

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 2018-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX  was absolutely impossible to deal with on the phone. Every time I spoke with customer service to set up automatic payments, they would give me different information on how to do so ... and always resulted in no auto-pay set up. I found out that my auto-pay didn't activate when they called me telling me I was late. They apologized and acknowledged their mistake and insisted it would not affect my credit. I am not applying for a mortgage and it is still appearing on my credit from years and years ago. I ended up closing the account due to their overseas customer service representatives not being able to solve even the simplest of problems.

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 2018-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the same incorrect address on both XXXX and Equifax multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trojan Professional Services, Inc.
State: GA

Complaint narrative:
I dont owe this company any money. The debt that they are trying to collect is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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:
This company continues to violate the XXXX Finance Code by not  providing a surety bond for XXXX or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My son past away XX/XX/16, his wallet which contained his bank card and bank account number was stolen from me while I was in hospital to see him. ( Police report filed ) A family member and an XXXX XXXX falsified his death certificate and used falsified death certificate to go into the TD Bank, Branch # XXXX, XXXX XXXX  XXXX XXXX, XXXX, PA XXXX and took out over {$3800.00} of funds and closed his account. This undocumented immigrant was not authorized to take this money. Person was not listed on account or listed as a beneficiary. Person was on parole and the time and still on parole. Vice President XXXX XXXX, Vice President is trying to cover fraud since she is involved with this undocumented immigrant and another business member of the community. The end result the other business member of the community received money he/she was not entitled too, as well as this undocumented immigrant who doesn't have proper identification to cash a check. ( Police reports filed ). I am the administrator of my son 's estate and I demand an investigation, return of funds. My son has outstanding funeral bills. I want these individuals prosecuted for this fraud. The law states you do not steal from the deceased without the proper probate paperwork. I spent one year legally to prove death certificate was falsified and thus it was amended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX => -  XXXX | Experian => - 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 non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Phone calls started just 5 days after missed payment of XX/XX/XXXX. I requested not to be called, and stated I would set up a payment online. I have set up a payment online that includes XX/XX/XXXX of {$74.00}, and XXXX 's XXXX payment. My payment is set up for XX/XX/XXXX. I requested verbally on the phone to stop calling, and I sent an e-mail through the correspondence option on the Chase site not to be called. The calls are still ongoing, and they are repeated, calling every hour, every single day. I've also explained that it is causing XXXX XXXX and XXXX, and they refuse to stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A credit card account for a XXXX $ balance was opened outside my residential/work state under my name with XXXX XXXX XXXX XXXX on XX/XX/XXXX re acct:XXXX. 

I found out about the incident on Q4 XX/XX/XXXX and contacted the XXXX XXXX XXXX fraud support line to report the incident. Representatives refused to provide any information regarding the account despite requesting my full name and ssn. I advised them that account was not opened by me and was a result of a stolen identity. They claimed they would take care of it, wrote down my actual verifiable physical address and sent me an affidavit to sign. I signed and returned, and provided an identity theft report reference # XXXX. 

I later received a call from XXXX XXXX claiming my account had been sent to collection and that I was required to pay the full amount or would be subject to legal prosecution. I notified XXXX of the situation that occurred with XXXX XXXX XXXX   and requested they reach back to the Bank and rectify the situation as well as send me all pertinent information. 

I didn't hear back from them until a collector from XXXX XXXX XXXX in XX/XX/XXXX. The stated this account had gone to collections on behalf of XXXX and I advised them of the ID theft report and requested they investigate and resolve the account. 

Once again this case resurges with a summons to appear at a pretrial conference regarding the alleged debt, which should have been resolve and removed from my credit report already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX  and previous state of residence, XXXX  is six years. I have requested not to be contacted and the collection agency continues to do such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX | Transunion => -  XXXX | XXXX => - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you Equifax => - XXXX XXXX XXXX - XXXX XXXX - XXXX | XXXX => -  XXXX | XXXX => - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: Nelnet, Inc.
State: TX

Complaint narrative:
This company continues to violate the XXXX  Finance Code by not providing a surety bond for nelnet or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX  Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. Nelnet hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have sent multiple dispute letters after receiving a bogus bill by this company in XX/XX/XXXX. I began sending dispute letters starting in XX/XX/XXXX, and continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I Explained to Diversified Consultants that I do not owe a debt to their company. I requested in each of my dispute letters to verify and validate this debt but sending copies of original contracts with my social security along with my signature confirming that I entered into a contract with their company. Diversified Consultants has never sent any documents with proof that I owe a debt to their company. The only information that I have received from Diversified Consultants is a bill with a name similar to mine and an amount due of XXXX. I am being harassed by this company, and have had my credit ruined with all 3 credit reporting agencies. I also requested in my dispute letters that all collection calls cease and to only notify me by mail concerning my dispute and their company has continued to contact me on my cell phone number numerous times a day. I want the harassment stopped and my credit report corrected immediately by this company.

Company response to consumer: Closed with non-monetary relief