vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2019 I sent a dispute to TransUnion due to 32 items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts, and unauthorized inquiries. A closed or collection account can not also be past due, that a violation of my rights. On XX/XX/2019 I received a response stating the inquiries will remain. On XX/XX/2019 I sent another request for validation in response to the letter I received on XX/XX/2019. And on XX/XX/2019 TransUnion were updated and remained. 

On XX/XX/2019 and XX/XX/2019 I mailed a request to TransUnion asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer 809 ( b ) cease collection and communication of debt until  verification is mailed. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days.

TransUnion has continued to violate my rights. First by ignoring my valid request of validation from which Im entitled to by law, on all three occasions of me asking. Second, they continue to violate my rights with each validation request Ive sent TransUnion updates these accounts to a paid late status on 30+ accounts which are reporting as closed. Mind you none of these accounts have been validated but TransUnion updates late status on closed accounts which is a direct FDRCA violation.

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under FCRA611.

Since TransUnion did not comply with any of my 2 requests within the time frame allowed they need to delete the disputed items in question. Please have them comply with the law and my rights by having these disputed accounts removed.

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 2019-08-08 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: MO

Complaint narrative:
I used to own three XXXX XXXX XXXX. At some point one of my ex managers used my information WITHOUT my approval or signature to open accounts without my knowledge. There are now two accounts from XXXX XXXX reflecting negative information on my personal credit reports. I have filed a police report addressing the problem and have contacted the credit reporting agency. XXXX XXXX still refuses to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: MO

Complaint narrative:
I used to own three XXXX XXXX XXXX. At some point one of my ex  managers used my information WITHOUT my approval or signature to open accounts without my knowledge. There are now two accounts from XXXX XXXX reflecting negative information on my personal credit reports. I have filed a police report addressing the problem and have contacted the credit reporting agency. XXXX XXXX still refuses to remove the 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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my  credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT WORLD SERVICES, INC.
State: MO

Complaint narrative:
Someone used my information to open an account with XXXX XXXX XXXX XXXX.I filed a police report on the matter. Credit World Service is now reporting the account on my XXXX   Credit Report under account XXXX for {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: FL

Complaint narrative:
Information reporting error on my credit 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 2019-08-08 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-08 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly ( 120 ) days late on the FXXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Someone used my information to open an account with XXXX XXXX XXXX XXXX.I filed a police report on the matter. XXXX XXXX XXXX is now reporting the account on my Equifax Credit Report under account XXXX for {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: MO

Complaint narrative:
Someone used my information to fraudulently open account or obtain services under my name. I filed a police report over this matter. Americollect Inc is now reporting one of these accounts to my XXXX  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 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX somebody open a Discover Account under my name getting a credit card delivered on the address that I lived befor of XX/XX/XXXX. After that date I move to Texas, so I never applied or recieved anything. I was sending letters to Discover Financial Services to take out this account from my credit reports and form their records because I was a victim of identity theft. They do not want to take it of because they insist that is mine. 

I Ask them, to verify the signatures and the information demostrating that I didnt live in that addres at the time that they said that the Credit card arrived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I looked up this number. It is a scam! XXXX Nationwide Recovery Service. 

I DO NOT OWE ANY DEBT!! 

I did not answer, the caller left a 36-second voicemail claiming to be " Nationwide Recovery Service, a debt collection agency attempting to recover a debt and directing the recipient to call the above number. This is an attempt to collect a debt ... this is not a sales or telemarketing call..etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED, XXXX, XXXX XXXX XXXX, XXXX, Inquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX AXXXX 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 2019-08-08 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX, Inquiries : 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.

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 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, my debit card was declined for parking ( {$0.00} ) which is exceptionally odd because I always keep money in the account and I just had my paycheck directly deposited. I called and was told the card was cancelled and would I like a new one, when I asked why they told me they did not know but everything on my account is ok and there is nothing to worry about. I just got this card, it was a replacement for one where the chip failed, and the bank XXXX that one up too. This new card, with a new number ( the last replacement card was specifically instructed to retain the same number for payments to other accounts and institutions ) was expedited on XX/XX/XXXX, today is the XXXX. 

I still have not received the card. My other institutions are demanding that they get paid, no money is going in or out if my account. I went, in person, to the local branch, they said they had no idea and could not reach anyone to get more information. They also said my card arrived on the XXXX and was signed for. This is completely made up, myself and everyone else never signed for a package. 
I have no access to my account and my money, no one knows why or is not telling me, I am now get hassled for late/missed payments that should not have been missed. This is unacceptable, I have not done anything wrong or outside my normal patterns, I have not been a victim of fraud. I was give No notice, unfairly treated and lied to.

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 2019-08-08 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:
Information reporting error on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: FL

Complaint narrative:
Information reporting error on my credit 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 non-monetary relief
Consumer complaint received 2019-08-08 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: NY

Complaint narrative:
Needed required documentation

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 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Someone used my information to fraudulently open account or obtain services under my name. I filed a police report over this matter. XXXX XXXX is now reporting one of these accounts to my Equifax Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: OH

Complaint narrative:
Mailed a letter to provide accurate personal information that should be reporting and provided current address ( a water bill ) that should be reporting and I was denied. They are requesting the same information I provided to them again. You have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

1 ) Consumer reporting agencies must correct or delete inaccurate, incomplete information. 
2 ) Consumer reporting agencies may not report outdated information. Including personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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 have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX 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 OF XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TX

Complaint narrative:
Dear Sir/Madam, I have submitted many complaints/disputes with Credit bureaus. had waited for 30 or more than 30 days No outcome received. all the time they just had sent me the Generic Response, that " We have investigated the issue & charge on your account is correct '' there is no supporting documents. My questions is different, their answer is different. Since, i am in litigation, & my request was to remove those account from my account till the Honorable Court Decide the issue. I already had made this request to the Credit bureau several times, but no response Name : XXXX XXXX SSN : XXXX DOB. XX/XX/XXXX Dispute with XXXX XXXX XXXX Number of Accounts. 02 Pls. note, if there is any confusion pls. call on 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 2019-08-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Loan Co. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX I purchased a used vehicle in XX/XX/XXXX, while I was on XXXX XXXX with the XXXX XXXX. I became delinquent ( as a result of some family trauma ) in XX/XX/XXXX. On my credit report from Experian dated XX/XX/XXXX # XXXX It specifically reflects the date of purchase, my 1st delinquency ( XX/XX/XXXX ) and for the next 11 months it reflects continual delinquency per their 'legend '. The truth of the matter is that I NEVER became current with this account, and the car loaner ( XXXX XXXX XXXX Acct. #  XXXX ... ) claims that I have, but even on the report itself, it lists extremely limited info, to include XXXX balance, dates/times/ etc. 
For a company that claims I became current refuses to send Experian, to include the others, any information on my account whatsoever. However they are only giving them information back to XX/XX/XXXX instead of XX/XX/XXXX, so  that they can claim to use that year, to establish the 7yr requirement. 
I have provided numbers documents and photo copies requesting that this account SHOULD HAVE BEEN REMOVED XX/XX/XXXX and they continually claim I became current with no information provided by XXXX. Please, review my information I upload, and assist me with having this account ( that is now almost up to 2yrs ) to be removed from my account, one and for all. 

Former Experian dispute ( with no changes afterwards ) account # 's  XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) ** and several others that I can not retrieve quickly. 

Thank You, 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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inaccurate items reporting on my credit 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 2019-08-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The information is not accurate. The balance is wrong and I need it validated. I do not have that card.

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