vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted transunion credit bureau on multiple occasions in regards to inaccurate inquires on my report. I have informed this company that I have been a victim of identity theft and I have put a free on my report. How ever this company refuses to remove unauthorized inquiries for XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. As per the FCRA transunion must report correct and true information on my credit file. These inquiries are unauthorized and I am asking that they be deleted. However transunion is violating my rights and privacy and I will take action by suit to have these false inquiries removed from my report.

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 2017-10-17 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: MD

Complaint narrative:
On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17 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: MD

Complaint narrative:
On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: ID

Complaint narrative:
I asked for my payments to be lowered and was told that they do n't refinance. I have n't been involved with the co-signer for three years and they have told me that there was no way to remove him from the contract. I make all the payments by myself. The total price of the vehicle is suppose to be {$14000.00}. The total with interest is suppose to be {$30000.00}. I have paid up to XX/XX/2017 a  total of {$21000.00} by my best calculations. I 've been told by XXXX XXXX XXXX which is located in XXXX Utah that I have a balance of {$9300.00} this seems wrong in more ways then one. I feel I 'm being ripped off with this high interest and would like to know if CFPB can tell me if this whole transaction has been legal. If it is then I really need help getting my payments lowered and the interest down if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received s XXXX from a debt collector : Midland Funding LLC to appear on XXXX XXXX, XXXX for a deposition The XXXX regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The XXXX states that I must " continue in witness from day to day unless.discharged by me ''. 
This debt is XXXX XXXX XXXX and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: CO

Complaint narrative:
Equifax has continued to report multiple accounts on my credit history without actual verification or proof of verification despite multiple disputes under citation of the FCRA, namely : XXXX XXXX for {$2400.00}, XXXX XXXX XXXX for {$690.00}, XXXX, XXXX for {$1200.00}, XXXX XXXX XXXX XXXX for {$16000.00}, and XXXX XXXX XXXX for {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The XXXX stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.

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 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jonathan C. Frank & Associates, LLC
State: CA

Complaint narrative:
Yesterday I was called by the phone number XXXX XXXX XXXX stating that I needed to update my debit card information. As this was not the company I originally set up a payment plan with I started asking questions to which I got very little response. I was hung up on twice, and a XXXX XXXX started yelling when I asked for an email to contact them so I could have a paper trail saying that he did not have an email. He said that he was calling from a law office of Jonathon C Frank,  which the phone number online is XXXX and they do have an email. So I 'm not sure if this is even a real company. I had my boss talk to them as I was extremely confused and she also got very little information. I called the law office number from the website I found and left them a message letting them know to call me back so someone can confirm.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I had an account with XXXX for internet im on XXXX my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: NC

Complaint narrative:
I froze my Equifax info since they obviously can not be trusted with my personal information. Today, I needed to lift the freeze temporarily to conduct business - just allow a bank to pull a credit report. To start with, there are no phone numbers or email/chat numbers for communication provided for what I needed. Then, the representatives sound like they are all from the XXXX ( which is fine ) and have questionable command of the English language ( NOT fine ). After a 17 minute wait, which is eternity for a working person, my first representative told me that it would take 15 minutes for my bank to access the report. I get a call 2 hours later and this has not happened. I call back. Another 17 min wait and then a 3 min wait. The representative continued to get stuck on the duration of the freeze lifting - initially told to me for " 24 hours, '' but which is apparently 48 hours. Fine. I just want the bank to have the report. I repeated myself 3 times. Then he says it takes 10 min to 24 hours for the freeze to be lifted. Since the second guy did n't understand what I needed the first time, I am still not clear on whether he means that it could take 48 hours to lift the freeze and whether the freeze is temporary. I do not have the time to sit on hold a third time. 
1 ) I did not ask Equifax to monitor my credit 2 ) I do not want my personal info spread all across the globe and blame them for not protecting my information. 
3 ) Companies mess up. I accept that. But now they need to make it right. They need to provide adequate assistance to communicate with the company, which means providing easy to locate telephone numbers and adequate representatives to make things right. There is also no excuse in the digital age for it to take 24 hours to allow me access to my report. 

I feel completely powerless in this situation, which I have absolutely no say in. With great profit and power comes great responsibility. When are you going to protect American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: FL

Complaint narrative:
This is a follow up to my CFPB complaint # XXXX regarding Equifax continuing to report 4 accounts from XXXX XXXX XXXX XXXX XXXX that have not been validated and that contained the wrong address and phone numbers to contact the collection agency. Equifax responded on XXXX XXXX, XXXX, that " The following disputed items have been removed from the Equifax credit file : XXXX XXXX XXXX XXXX XXXX account number ending in XXXX, XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX, FXXXX XXXX XXXX XXXX XXXX account number ending in XXXX and XXXX XXXX XXXX XXXX XXXX account number ending in XXXX. '' However, the credit report Equifax sent to me, dated XXXX XXXX, XXXX, still showed the same 4 accounts with the incorrect address and phone number. Also, I printed out a recent report today, XXXX XXXX, XXXX, and the accounts are still showing on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I currently have a credit card with XXXX XXXX XXXXt which uses XXXX XXXX as their debt collection. My minimum payment is {$40.00} and they call the very next day after the payment was missed 10 to 15 time a day. On XXXX XXXX, 2017 they called me 12 times starting at XXXX XXXX. I 'm making my payment today, and I understand I 'm the one that was late paying it, but I 'm feeling harassed by the phone calls every hour all day. In the past 6 days they have called me 46 times to collect the minimum payment. I do n't even want a phone anymore. I have addressed this issue with them over the phone before about the excessive phone calls, and they stopped. I just feel this is inappropriate to call someone that many times in 1 day. It gives me XXXX when I see my phone light up, I ca n't even have my phone on ring anymore. I have my complete call history from XX/XX/XXXX and since the due date they have called me well over 70 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized 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 2017-10-17 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: FL

Complaint narrative:
I 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized 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 non-monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I sent a letter to a collection agency by the name of XXXX XXXX. I wrote to them after seeing they are reporting a collection account on my credit report for a balance of {$530.00}. It is reporting an original creditor by the name of XXXX XXXX. I never had a debt with that lender and I requested copys of statements and signed credit application for this account. As of today XXXX/XXXX/XXXX, no response has been received from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received s Subpoena from a debt collector : XXXX XXXX XXXX to appear on XXXX XXXX, XXXX for a deposition The Subpoena regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The Writ states that I must " continue in witness from day to day unless.discharged by me ''.
This debt is 19 years old and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.

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 2017-10-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.

Company response to consumer: Closed with explanation