vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX Original Creditor : 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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: AR

Complaint narrative:
Hello, The following account is not mine. Please remove from my credit account. Thank you. 

XXXX XXXX XXXX The following Inquirie was not made or authorized by me. Please remove from my credit account. Thank you. 

Inquiries : XXXX XXXX XX/XX/2018 2018

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 2019-10-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
After 5 months ( XX/XX/2019 thru XXXX 2019 ) with certified letters to Select Portfolio Servicing , Inc. to request the review of documents furnished by me that supports full payments of every month that I had the present mortgage, SPS continued to deny and did not look into the evidence verifying full payment of every mortgage payment from XX/XX/2019 thru XX/XX/2019. 

SPS told me that the missing payment would take months for them to clear my name with the credit reporting agencies. This information was reported to me most recently. 

Further, I had to go thru the re-financing effort with a new company and pay almost {$5000.00} to close on the new effort in XXXX because of the " missing payment. '' I just received a full payment check by SPS for their error that they never reported to XXXX   XXXX, the new Mortgage Company ; however, the credit reporting companies, to my knowledge, has yet to " repair '' the information furnished in error by SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit

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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit

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 2019-10-23 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 have contacted XXXX multiple times to close the fraudulent credit account and remove all information from my report. I have submitted copies of my police report, FTC identity theft report, FBI IC3 form, and proof of identity. They have failed to provide any proof of who and where the account was opened. They claim my letters ( which are provided by the FTC for identity theft victims ) are on the behalf of a credit repair organization and therefore are not obligated to investigate. 

On XX/XX/2019 I received a package from XXXX. On the same day XXXX comes to pick it up claiming the sender had sent it by mistake. The following week I receive a welcome letter with XXXX XXXX. 
XX/XX/2019 I contact XXXX fraud department to initiate an investigation. I placed a fraud alert to the credit bureaus. 
XX/XX/2019 I have received no response from XXXX so I check my credit report to find that the fraudulent account is being reported. I initiate a dispute with credit bureau XXXX. 
XX/XX/2019 I submitted a dispute letter to XXXX with an FTC report and police report. The dispute is closed at XXXX  as it states XXXX finds the information accurate ( my information was stolen and used so of course it would match ) XX/XX/2019 I submitted a dispute letter to XXXX XXXX account services which has a different address listed. I send a letter to XXXX  requesting to block the information from my credit report directed by section 605B of the Fair Credit Reporting Act. 
XX/XX/2019 XXXX responds claiming no suspicious activity XX/XX/2019 XXXX responds that they find my letter to be prepared by a credit repair organization ( which it is not as the FTC provides the letters to identity theft victims ) so they will not investigate. 
XX/XX/2019, I found that the fraudulent account now appears on TransUnion report so I send a letter requesting the information to be blocked from my account as directed by section 605B of the Fair Credit Reporting Act.

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 2019-10-23 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 have contacted XXXX multiple times to close the fraudulent credit account and remove all information from my report. I have submitted copies of my police report, FTC identity theft report, FBI IC3 form, and proof of identity. They have failed to provide any proof of who and where the account was opened. They claim my letters ( which are provided by the FTC for identity theft victims ) are on the behalf of a credit repair organization and therefore are not obligated to investigate. 

On XX/XX/2019 I received a package from XXXX. On the same day XXXX comes to pick it up claiming the sender had sent it by mistake. The following week I receive a welcome letter with XXXX XXXX. 
XX/XX/2019 I contact XXXX fraud department to initiate an investigation. I placed a fraud alert to the credit bureaus. 
XX/XX/2019 I have received no response from XXXX so I check my credit report to find that the fraudulent account is being reported. I initiate a dispute with credit bureau Experian. 
XX/XX/2019 I submitted a dispute letter to XXXX with an FTC report and police report. The dispute is closed at Experian as it states XXXX finds the information accurate ( my information was stolen and used so of course it would match ) XX/XX/2019 I submitted a dispute letter to XXXX XXXX account services which has a different address listed. I send a letter to Experian requesting to block the information from my credit report directed by section 605B of the Fair Credit Reporting Act. 
XX/XX/2019 XXXX responds claiming no suspicious activity XX/XX/2019 XXXX responds that they find my letter to be prepared by a credit repair organization ( which it is not as the FTC provides the letters to identity theft victims ) so they will not investigate. 
XX/XX/2019, I found that the fraudulent account now appears on XXXX  report so I send a letter requesting the information to be blocked from my account as directed by section 605B of the Fair Credit Reporting Act.

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 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I had requested a wire transfer on XX/XX/2019 through Western Union. The money was with drawn form my bank account. It was supposed to be transfered by XX/XX/2019 and it was not. I had called Western Union on XX/XX/2019 to inquire and they said the money would be available on the XXXX. Then I get emails saying they want a date of birth, government issued ID, and address. All of this after I had inquired. I tried chatting with Western Union and they ignored my by not responding to my questions. I told them to give me my funds and really do believe that Western Union acts in good faith with it's customers. Aside from returning my money. It would be a gesture of good faith if the interest that Western Union accumulated off of my funds be remitted to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: HOVG, LLC
State: NC

Complaint narrative:
Bay Area Credit, I have informed them this is not me. Also they have harrassed my mother, my kids and my work and have yet to contact my phone. I talked to them on my daughters phone they refused to give me any info on the acct also told me if i didn't pay it i would be Sued. I don't know this acct or where its from, what its about. She wanted me to giver her my info but refused to give me any info abt the acct.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
The bank-XXXX put accidentally a stop payment on 100 of my checks not 10. I wrote checks to XXXX who sent them to XXXX. XXXX has never sent me a written notification about the checks. They ran the payments thru my account a second time but charge me {$60.00} per checks fee. I paid the amount and requested for them to send me proof of payments and the amount I paid in return fee 's, they informed me 1st they don't send those type of letters. I then ask for them to send me the paid n full letter. they then told me their systems was down, after I demanded they send me 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 explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am unable to receive the Capital One card Therefore, I have no card to reference when calling in. I just want to receive the card and request an increase for my business. I have called and left a low rating on the survey regarding the POOR customer service received. From there I received a call to follow up as requested but still have not received a card and it was issued in XXXX according to my credit report. XX/XX/XXXX, XXXX XXXX XXXX XXXX from the Survey called and I return the call several times but to no avail. I did not get response. I was able to request the card later with someone but still no CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: AR

Complaint narrative:
Hello, The following account is not mine. Please remove from my credit account. Thank you. 
XXXX XXXX XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX NA XX/XX/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 2019-10-23 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I applied and was approved for a USAA card and a card was supposed to be mailed to me within 10 business days. When I did not receive the card within that time I called USAA and they told me that the card had been activated and used to make over {$9000.00} in charges at XXXX, XXXX XXXX, and a vending machine. I disputed these charges and the XXXX and vending machine charge were removed. USAA determined that the remaining {$4000.00} did not have sufficient evidence of fraud despite my assertion that I did not make these charges and evidence I provided to back up the claim. The person who activated the card used a phone number that appears on my credit report, but is a fake number that I have never used and no telephone company has any record of being in service. They supplied personally identifying information, which I believe to have been obtained through a data breach at XXXX and possibly USAA itself. Apparently the receipt at XXXX XXXX has my named typed onto it and the vendor is saying that someone would have had to show an ID in order to make the purchase.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019i sent payPal/ Synchrony a dispute via USPS certified mail. Neither responded in the 30 days required. Neither reported to the credit bureaus this account wa being disputed. As a matter of fact they reported the account in question closed saying I requested ot which is a lie I never did. Both PayPal and Synchrony bank responded nearly 3 months later and knocke my credit score 35 points down and are continuing to report late. I never signed an agreement with Synchrony nor did I get an assignment letter. Instead they created a new account with a new acoount number and attempt to collect payment for which they were not legally authorized to do never sending my payment back to me. They still refuse to remove from my credit report. I have never made one transaction when Synchrony claims it serviced my account. I have zero obligatins to Synchrony and both companies are attempting to collect as I have letters from both Synchrony and PayPal seperately. Paypal was intermingling regular Paypal and charging me cash advances for transfers of my own money not separating a store credit and regular PayPal. They also werent applying credit to a special financing perchase for months until it was nearly expired.

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 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
never received anything in the mail from this company. They never have said this was an attempt to collect a debt in any of their conversation. They refused to have a manager contact me. They refuse to send me a paid in full letter, They charged me {$60.00} per check. Which they had a total of 6 stop payment checks. Bank stopped payment in error. They refused to waive the Return check fee, even though it wasn't my fault. The people there don't seem like they know what they are doing. Different stories. spoke wit hXXXX ID XXXXXXXX. refused to allow me speak to a manager. Refused to give me a paid in letter, refused to give me a letter stating how much they charged me in fees. I also re guested for them to send me a letter who they were. Refused. Which should have been sent to PO BOX XXXX XXXX, GA 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 2019-10-23 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: AR

Complaint narrative:
Hello, The following account is not mine. Please remove from my credit account. Thank you. 
XXXX XXXX XXXX The following Inquiris were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, 2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2019 I sent {$200.00} through Cashapp to a friend. The app currently shows the payment as pending. My bank account show the {$200.00} as sent. My friend has yet to recieve the payment. I asked Cashapp to look into the problem and they say that no payment occured between the dates of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is reporting my car loan as " Closed '' and the incorrect balance. I have tried disputing this information 3 times and every time, they never change it and then report a higher balance than what it actually is. This is a car loan that was briefly repossessed but then reclaimed within a week. The other 2 bureaus report it correctly as an open installment loan but Equifax is reporting it as a closed account which it is not. It is open and I am actively making my regular payment on it. It is affecting my credit score and is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS CCA I have no idea about this debt and it is incorrect. There is very little information to contact the merchant.

Company response to consumer: Closed with explanation