vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: OR

Complaint narrative:
Submitted dispute to Equifax and XXXX on XX/XX/2019. Both agencies returned with responses stating the information had been removed. Today, XX/XX/2019, I applied for another apartment and was denied due to incorrect information, yet again. Agencies did NOT REMOVE THE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX  XXXX XXXX on XX/XX/XXXX, Wells Fargo Dealer Services on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/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 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
i have applied for2 apartments and they areshowing i have a eviction. i have submitted to 3 credit reporting companies the paperwork from XXXX county court that the eviction was dismissed without prejudice but it is still showing up and automatically declining me. 
XXXX $ ea application is expensive can you help

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 2019-04-26 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: FL

Complaint narrative:
To All party involve Equifax XXXX. XXXX  XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX/XXXX XXXX # XXXX XXXX  XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: GA

Complaint narrative:
I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. SXXXX 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 BANK.

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 2019-04-26 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: GA

Complaint narrative:
I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/2019 TD bank called my estranged sister in XXXX Fl. I live in NJ that person disclosed all information, amt that I owe and. date that I stopped making pymnts. My privacy has been violated. Im completely humiliated and ashamed I have several medical conditions and this just caused stress that is adding my condition

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
a PAYMENT WAS SENT AND WAS SUPPOSE TO BE RECEIVED XX/XX/2019. tHE PAYMENT HAS NOT POSTED TO THE ACCOUNT YET.

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 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
A payment was made before the due date. I used XXXX. they said the payment should be received on XX/XX/2019 they still have not posted the payment to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX opened credit card ac. w/ Home Depot ( XXXX XXXX ) Store in XXXX . PA. 
I arranged for payment through my electronic bill payer with XXXX XXXX XXXX. 
On or about XX/XX/XXXX received 1st billing statement. Due date XX/XX/XXXX Bank records show payment was made in amount of {$5.00} on XX/XX/XXXX XX/XX/XXXX received late payment notice with fees assessed. 
XX/XX/XXXX Sent ltr. to Home Depot Credit Card Serv. with copy of negotiated bank check by Home Depot. Ltr. sent after several call to the Credit Department. 
Began receiving delinquent notice telephone calls from collections agents ( several ) daily. 
XX/XX/XXXX Received ltr. from H-D Credit Services acknowledging receipt of my payment and that payment should have been credited previously and that it would be immediately credited to account. 
01 thru present continue to receive late notices with {$2.00} charge each month. 
Negative entries have been sent to credit reporting agencies affecting credit score Credit Score of over 800 was down to XXXX as of XX/XX/XXXX. 
No other negative activity has occurred with any other creditor.

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 2019-04-26 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: VA

Complaint narrative:
Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. Inquiries : 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 I, 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

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 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CIR, Law Offices
State: CA

Complaint narrative:
Cir. Law Offices International engages in fraudulent practices. The law firm will send " notices '' to dated addresses as " proof '' of service. In addition to tacking on legal fees and filing within incorrect counties and then amending the errors such as filing dates, names, addresses AFTER a judgment has been filed with the California Courts. Consumers are not given the ability to dispute the validity of a debt prior to suffering punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: VA

Complaint narrative:
Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX. Inquiries : XXXX/XXXX, XXXX XXXX/XXXX   XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AND 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 I, 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

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 2019-04-26 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: VA

Complaint narrative:
Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX/XXXX. Inquiries : XXXX/XXXX, XXXX XXXX.XXXX/XXXX   XXXX . XXXX, XXXX/XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   AND 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 I, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
DearRECEIVABLEMGMTGROUPAfterviewingacopyofmycreditreport,InoticedacollectionaccountplacedonmycreditreportfromyouinXX/XX/2017.Iamrequestingthatyouallowmetovalidatetheallegeddebt.IamunawareofanyoutstandingmedicalbillsthatIpossess,andIamseekingthenameandhospital/medicalprovidertowhichIowethedebtandadetailedbreakdownofthefeesthatIowe.

Additionally,IamallowedundertheHealthInsurancePortabilityandAccountabilityAct(HIPAA)toprotectmyprivacyandmedicalrecordsfromthirdparties.Ididnotgivepermissiontoanyofmycurrentorpriormedicalproviderstoreleaseanyofmymedicalinformationtoathirdparty.IamawarethattheHIPAAdoesallowsthereleaseoflimitedinformationaboutmebutanythingmoreistoonlyberevealedwiththepatientsauthorization.Therefore,myrequestistwofoldvalidationofdebtandHIPAAauthorization.

Pleaseprovidebreakdownoffeesincludinganycollectioncostsandmedicalcharges.
Provideacopyofmysignaturewiththeproviderofservicetoreleasemymedicalinformationtoyou.
Ceaseanycreditbureaureportinguntilthedebthasbeenvalidatedbyme.

Pleasesendthisinformationtomyaddresslistedaboveandacceptthisletter,sentcertifiedmail,asmyformaldebtvalidationrequest,whichIamallowedundertheFDCPA.PleasenotethatwithholdingtheinformationyoureceivedfromanymedicalproviderinanattempttobeHIPAAcompliantcanbeaviolationoftheFDCPAbecauseyouwillbedeceivingmeaftermywrittenrequest.Irequestfulldocumentationofwhatyoureceivedfromtheproviderofserviceinconnectionwiththisallegeddebt.

Additionally,anyreportingofthisdebttothecreditbureauspriortoallowingmetovalidateitisaviolationoftheFairCreditReportingAct,whichcanallowmetoseekdamagesfromacollectionagency.Iwillawaityourreplywithaboverequestedproof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: GA

Complaint narrative:
I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. 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.

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 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Hello -- This complaint is in regards to a Loan originated with XXXX XXXX and then transferred to Mr Cooper mortgage servicing. Over the past two months, I have made a series of inquires about a principal reduction payment I made shortly after closing on this loan. 

Here is a summary of my case. 

- I closed on my mortgage with XXXX XXXX on XX/XX/XXXX. 
- Servicing of my loan was transferred to Mr Cooper in late XXXX or so. 
- I submitted a principal payment reduction in the amount of {$57000.00} from the proceeds of my home sale to XXXX XXXX. It was cashed on XXXX. 
- I contacted Mr Cooper 's customer service hotline on XX/XX/XXXX, after not seeing this credited toward my balance. I was told it would be passed to Research, but I never heard back. 
- I emailed the Research Department on XX/XX/XXXX. 
- On XX/XX/XXXX, the XXXX dollars in payments were posted to my account effective XX/XX/XXXX. The sum was split into a monthly payment ( XXXX ) + principal paydown ( XXXX ). The monthly payment was applied first, meaning the interest rates were not adjusted according to the principal-reduced amount. 
- Also on XX/XX/XXXX, I received a response stating that my concerns had been addressed and the payment had been posted. 
- I replied on XX/XX/XXXX with my complaint about the interest payments not being adjusted ( described above ). I received receipt-of-confirmation email. 
- I followed up on XX/XX/XXXX, with a picture of the check. I received receipt-of-confirmation email. 
- I followed up on XX/XX/XXXX. I received receipt-of-confirmation email. 
- I followed up on final time on XX/XX/XXXX. I received receipt-of-confirmation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX engages in fraudulent practices. The law firm will send " notices '' to dated addresses as " proof '' of service. In addition to tacking on legal fees and filing within incorrect counties and then amending the errors such as filing dates, names, addresses AFTER a judgment has been filed with the California Courts. Consumers are not given the ability to dispute the validity of a debt prior to suffering punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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:
On XX/XX/2016, this debt for {$650.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a )  ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I have been trying for several years to get this item removed from my credit report. I have contacted the credit bureaus and the creditor to get this item removed. Back in 2013 I was a victim of identity theft and I informed both the credit bureaus and creditor of this matter. I need this item removed immediately as It has been hindering me from moving forward with other financial matters

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XX/XX/2017, this debt for {$520.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation