vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated/ incorrect under 609 or HIPPA, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX AMMOUNT {$590.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email.

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 2021-08-23 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: I.C. System, Inc.
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

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 2021-08-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I purchased my first home in XXXX of XXXX. XXXX weeks after purchasing my home, I was put on furlough through my employer and my hours were cut in half. Unfortunately, I did not qualify for unemployment because I made to much ( even though my income had been cut in half and all of my bills stayed the same ).

I contacted fairway and they offered to defer the payments, but I knew I could make them ... it just may take a little longer than the 30 days you are given.

I have made every single payment on my home. Whenever I got a stimulus check I put every dime toward my house payment. 
Unfortunately, XXXX XXXX XXXX XXXX  took over my loan and even though I was told I would not have any " late payment '' marks on my credit & there would be no fees for the late payments as long as they were made, I now have 7 late payments ( one of which is for XX/XX/XXXX and that payment has been paid ). 
My credit score has dropped over 150 points just from those remarks and they have charged me over {$500.00} in fees. 
Over the last year, every single payment and late fee has been paid. I will gladly pay the late fee, as a courtesy since I was in fact late. I have spoken to several people at XXXX XXXX XXXX and all refuse to help me with the late fee remarks on my credit. I shouldn't have my credit ruined when half the world was able to go without paying their bills at all ... and the WHOLE world was in the middle of a pandemic. 
I would really appreciate it if XXXX XXXX XXXX mortgage would take off all of the 7 late payments they marked on my credit so that I can work toward rebuilding what covid has messed up. I will no longer have any late payments ( I have since returned to work, all payments are current and will stay that way ).

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 2021-08-23 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: AmeriCollect
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: National Business Factors
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: SECURITY FINANCE CORP
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-08-23 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss because of COVID-19 pandemic. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Being that this is my third attempt at requesting this same information and you have failed to provide any substantial information outside of a credit report in an attempt to stall the process, you now have fifteen ( 15 ) business days to reply. 

I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my items for dispute below : XXXX XXXX ACCOUNT # XXXX -EQUIFAX - ACCOUNT # XXXX These two accounts are the same exact account. After disputing the XXXX account, you then listed the same account as EQUIFAX which is double jeopardy and illegal. 

Please delete these accounts from my credit report for failure to accurately list these items. 

I started disputing these items since XX/XX/XXXX and to the current date of XX/XX/XXXX, no response or deletion for reporting inaccurate information and then listing the same account twice under two different names. I have sent a letter disputing these two items every month. So for the last 8 months no change or removal, not even a response. Just simply updated. Updated to what??? Its inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TX

Complaint narrative:
You I have an account with Money Lion bank. I deposit {$1500.00} with them this last Friday XXXX. I withdrew XXXX Dollars of that money shortly after that on the same day. Immediately following My withdrawal they, Money Lion, suspended my account saying this was suspicious activity and suspected it to be fraudulent activity. I can appreciate that, however I was not made aware of this until the following day After I had called a tow truck to pick up my vehicle that had overheated. Imagine my situation when my card wouldnt work and I couldnt pay the tow company! I had to call a friend to bail me out and then I had to leave my vehicle at the impound yard and it is still sitting there. I have this account set up on text messages for all transactions and I was not made aware of anything concerning my account being suspended. Upon checking my emails later I found an email from Money Lion saying the aforementioned. All the email said was that my account it is suspended because of suspected fraudulent activity. It said nothing about sending them documentation. I only found this out until the following morning, Saturday when I was able to contact Customer service at Money Lion to let them know that it was me making the transactions. Every CSR I spoke to you seem to be reading a script over and over they apologized the first two, were of absolutely no help told me where I could email my documents after informing me that I needed to email documents Which consisted of copies of my identity. They confirmed receipt of my email and told me it would be 24-48 hours before my account would be unsuspended. I Explain to them over and over again that I needed them to make an exception could I please speak to a manager or someone I know that they couldve made an exception. I told them I am on a fixed income and that is all the money I had. Could they please expedite this, that my rent is due that my vehicle needed repair that is all the money I had. They said they could not do that. I asked for management and I was disconnected I called two more times with the same response I was hung up on. Finally I called again and was toldBy the CSR That she was not able to get through to any management either that she was very sorry. What is this time I am crying and I am at I am beside myself. I went to their website and pleaded with them through email again and was only met with a canned response that they had received my messages and that now it was going to be within 15 days that my account would be unsuspended. I dont know what Im going to do. Isnt there someway they can be dealt with is this legal? That is all the money I have. That is my money how can they do that. At the very least it is and compassionate and they clearly clearly dont give a hoot about people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I have written this collection company three time about the debt they claim I owe them. I asked them to send me proof of validation that shows that the debt is mine. Instead, they send me paper statements with someone else name on it as proof that the debt belong to me. their company name wasn't even on none of the statement they sent. I have reached out to them three time already to resolve this problem, they have refused to comply to the FCRA rules. before I take this case any further, I decide to summit a complaint firs before I contact them for a forth time. if they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to 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 2021-08-23 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: AL

Complaint narrative:
I am here once again filing a complaint against Experian for giving me the runaround. I have 2 items reporting on my credit report due to identity theft. I was told to file a police report and affidavit. I did so and called Experian and a representative said that they could no accept my police report because it is an " automated report '' and the officer didn't sign the police report. The police report was filled out XXXX XXXX XXXX XXXX, XXXX, AL XXXX, XXXX. Officer XXXX helped me file it and Sergeant XXXX reviewed and signed it. There is no reason to continue to give me hard time about this unless you are discriminating against me for some reason! Delete the 2 items XXXX XXXX and XXXX from my report. You already deleted an inquiry you discovered wasn't mine and you added a fraud alert. Delete the remaining 2 items as well. THIS IS NOT A DISPUTE REQUEST. DO NOT DISPUTE!

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 2021-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My wife and I have been sending money to XXXX via my brother-in-law to finish a building project we have been working on since XXXX with target date of completion by XX/XX/XXXX. In XXXX XXXX my brother-in-law in was contacted by his bank to confirm he was not defrauding my wife. My brother-in-law confirmed he was helping to handle the building project by organizing and paying the workers. In XXXX XXXX Bank of America reach out to my wife to update her profile to avoid account restrictions. My wife 's account was eventually restricted until she called and confirmed her employment and other personal information. My wife 's full account activities were then restored and we continued sending wire transfers to XXXX via her checking account. 
Then I received a letter dated XXXX XXXX XXXX from Bank of America stating the money market account I share with my wife which has been opened since XXXX will be will be restricted from use in 21 days and closed in 30 days with no reason. I strongly believe this is a result of the legal international wires because there was no reason to close the Savings account which had with hardly any activity. 
I agree that Bank of America has a right to close accounts but I do not agree with Bank of America closing accounts because of international transactions unless they can prove fraud, criminal activity or support for terrorism, this is discriminatory towards foreign nationals. How are foreign nationals suppose to make investments or support their family/community if they are excluded from the banking system?

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 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Today ( XX/XX/2021 ) I was checking out at XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I was offered the XXXX XXXX rewards card by the cashier, which I declined. I said I do not want any more hard inquiries on my credit because I am looking to purchase a home in the near future. The cashier tells me that it is only the XXXX XXXX rewards program and that a hard inquiry will NOT be done to sign up for the card. I replied that I would only sign up if she could assure me that there would be no hard inquiry. She assured me that they only do a soft inquiry. With assurance from the cashier I trusted the information she provided me to be correct. In fact I didn't even realize I was signing up for a credit card, with the information provided by the cashier, I was under the impression that the XXXX XXXX rewards card is a similar product to the XXXX XXXX, which offers rewards in the form of a debit card, but does not do a hard credit inquiry. Within seconds of signing the electronic pad at the register I feel my phone vibrate. It was an alert from XXXX that a hard inquiry was pulled for a new credit card. I'm instantly furious that I was lied to whether it was unintentional or not. I ask if she can reverse it and remove the hard inquiry. She could not, but calls over her store manager. I have a pleasant conversation with XXXX the store manager. He said he was embarrassed because he said he trains his employees to provide the proper information about the XXXX XXXX rewards card, but his employee failed to provide the proper information and that there was nothing he could do to reverse it. He told me to contact the rewards card customer service number. I proceeded to call the The XXXX XXXX Platinum Mastercard number ( XXXX ) and explain the entire situation and how the card was misrepresented and that I would have never signed up if I was not lied to or provided with the incorrect information. They said they were sorry about the situation, but there was nothing they could do because I provided my information when I was checking out at XXXX XXXX. I went back and forward with them, but they were unable to solve my problem. I feel as if I was scammed into a card that I am now stuck with because I trusted the word of the employee that was representing the rewards program for XXXX XXXX. I think it should be illegal for a store to have the ability to provide wrong information and easily sign you up for a credit card in less than 10 seconds without providing the full terms of service that do not match what was conveyed verbally. All I want is for the XXXXXXXX XXXX XXXX XXXX hard inquiry removed from my credit report, if that means closing the account, so be it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation