vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 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: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from 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 2018-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from 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 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
Diversified Consultants, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX | Complaint : Diversified Consultants placed a collection debt on my credit report ( s ) during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

A recent review of my major credit reports reveal Diversified Consultants placed a collection debt on my credit report ( s ) regarding XXXX XXXX XXXX XXXX during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

I have not received any written communication from Diversified Consultants via US Mail regular 1st class mail service, or any certified mail service that my signature guarantees my receipt of debt validation, and debt collector validation. 

Most important, I have not received the due process of validating the debt, and the debt collector. 

On XX/XX/XXXX, I, XXXX XXXX XXXX, submitted a consumer dispute regarding the collection debt through the companys corporate website at www.dcicollect.com ( copy of dispute attached ). My dispute outlined the necessary information a debt collector must provide to validate the debt, and to validate the legitimacy of the debt collector. 

On XX/XX/XXXX, I received an email response from employee XXXX XXXX, Compliance Analyst ( copy of email attached ). The email stated that she would forward the email to the appropriate office ( Copy of email attached ). The email also states that I could receive something in the mail. 

On XX/XX/XXXX, I received a notice from XXXX XXXX that Diversified Consultants had placed a collection account on my XXXX credit report ( copy of email attached ). 

Under FDCPA Section 809 ( b ), debt collectors are not allowed to pursue collection activity until the debt is validated. In XXXX XXXX, XXXX XXXX XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

I filed a complaint with the XXXX XXXX XXXX of Florida. The company states they have done no wrong. The company states they mailed validation information XX/XX/XXXX. I did not receive any information in the mail. The company has not provided any proof of mailing from the United States Postal Service such as a " certificate of mailing '', or a " certified mail return receipt ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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: TX

Complaint narrative:
XXXX is reporting incorrect information about a credit card they have " re-aged ''. This item should be removed from my credit file as it is past 7 years old and there has been no account activity on this account for over 7 years.

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 2018-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX XXXX. I have never heard of this bank or done business with this bank. This item is a result of fraud.

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 2018-04-05 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:
the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX  by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.

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 2018-04-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received an unauthorized " Hard Inquiry '' on my credit report from a company called XXXX, who was affiliated with XXXX. 

We had been in the process of looking for a merchant services account, and came across them through a link on XXXX. 

I was originally told by a person at XXXX it was a soft inquiry, and got virtually almost no information past that from the sales person, stating it was no big deal. 

I was irritated to see it and tried to submit a complaint and dispute to transunion. 
Not only was I unable to upload a proper document to submit a dispute online, I was told by a phone representative that if I wanted to dispute it, I'd have to obtain a letter from the offending party at XXXX stating that they did it. 

When I told them that that is ridiculous, and that they are asking me as the victim of misuse of my credit information, to ask my perpetrator to tell on themselves as the only way to remove this from my report. 

They stated yes. 

I told them that was absolutely ridiculous and empowering misuse of peoples credit information, leaving the victim no way to remove misuse of their information on their report. They stated it was the only way they would do it, and I told them that's a violation of my credit reporting rights. 

That's like asking a XXXX victims XXXX to self confess to XXXX, as the only way the XXXX can be convicted. I think we'd all agree there is a serious flaw there, and that transunion is in violation of my credit rights it attempting to maintain this policy. 

I want the hard inquiry removed, and for transunion to be fined heavily for violation of my credit rights. 

I have already been a victim of both tax fraud, and identity theft, and find this to be absolutely infuriating and very upsetting. 

If I did not give someone authorization to do a hard inquiry on my report, I have every right to have them remove it. 

In a day where we are seeing data breaches at credit agencies, and large companies like XXXX, to behave in this manner toward a victim of credit information misuse is sickening, and I expect action taken against Transunion. 

Please help me in this matter.

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 2018-04-05 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The HPD approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from Portfolio Recovery, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had an open share loan and paid it off in XXXX of XXXX. I noticed the account is reporting 30 to 59 days past due because of a XXXX payment however the loan was paid in full in XXXX. When I called the bank I was basically told the account was 7 days past due, it was due on the XXXX but paid on the XXXX. My problem here is 7 days is not 30 plus days and my payments were set up on auto pay from my saving so if it was paid on the XXXX it was becuase their system didn't draft it until then. The customer service agent informed me that the quickest way to solve the problem was to file a dispute opposed to just having the credit department fix their error. Now my score on all 3 credit bureaus have dropped 30 plus points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX XXXX. I have never heard of this bank or done business with this bank. This item is a result of fraud.

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 2018-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GVA Holdings, LLC
State: AZ

Complaint narrative:
I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXX through today ( XX/XX/XXXX ). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails, XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax removed my Chapter XXXX bankruptcy around XX/XX/XXXX. Equifax reinserted the account back on my credit report around XX/XX/XXXX. I never got a letter.. The FCRA state that I must be notified within 5 days before the reinserte

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.

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 2018-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.

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 2018-04-05 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:
the inquiries are unauthorized and that I want them removed from my credit report.I contacted Equifax by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.Experian put a Identity Thief on report due to the unauthorized inquiries.

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 2018-04-05 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: Professional Recovery Management
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX we filed a dispute with Navy Federal Credit Union for {$990.00} ( XXXX XXXX ).

We received a communication from NFCU dated XX/XX/XXXX acknowledging our dispute, requesting information by XX/XX/XXXX. However, we submitted our response as required on XX/XX/XXXX via fax and e-messaging thru their online banking system. 

We received a provisional credit of {$990.00}. 

On XX/XX/XXXX we received this response from NFCU : Navy Federal XXXX XX/XX/XXXX : In response to your billing inquiry, we have reversed the transaction for $ XXXX and sent the charge back to the merchant 's bank. A credit will appear as an " Account Adjustment '' on your next billing statement. If we receive documentation from the merchant in response to our reversal, it will be forwarded to you for your review. The circumstances of the dispute and the strength of your documentation will determine whether the credit will remain permanently on your account. If you have any questions, contact us at XXXX, extension XXXX. 

Thank you, XXXX XXXX Credit Card Chargeback and Resolution Specialist ______________ We have not been contact by NFCU via USPS nor e-Messaging re : this dispute. 

However, on XX/XX/XXXX, we viewed in our account that NFCU had in-fact reversed this {$990.00} to the merchant. 

When in fact ; the Merchant policy is : SATISFACTION GUARANTEED 100 % OR YOUR MONEY BACK - NO QUESTIONS ASKED - 100 % RISK FREE. 

We provided proof of such 100 % money back guarantee from the merchants website. We provided : http : //www.ProfitandPassions.clickfunnels.com. 

WE HAVE RECEIVED NO COMMUNICATION FROM NFCU SINCE XX/XX/XXXX RE : THIS DISPUTE. It is obvious, they did not take the time to investigate this verbiage on the merchant 's website and found our response not valid.

NFCU has failed us as their longterm customer.

When contacting NFCU to resolve this issue.. .it is not discussed and they refuse to assist us any further. 

In speaking with an executive at XXXX, in which, they instructed us to return to NFCU and file a 2nd dispute on XX/XX/XXXX. 

At this time, NFCU rejected this dispute. 

When have filed another dispute on XX/XX/XXXX based upon the time limit given by XXXX. 

NFCU has interfered and denied us the rights to file ; knowing that there is a time limit for 2nd disputes. 

Furthermore, they did not process the 1 dispute properly. 

We have tried for 4 days to communicate to XXXX XXXX and 10 other executives at NFCU - no response. 

There is no additional agreements or proof beyond the merchant 's own website copy offer such Risk Free purchase. 

Upon attending this event - it was recognized as a FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation