vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: MN

Complaint narrative:
I got a copy of my credit report from Transunion and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Transunion cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. This complaint has also been sent to the TransUnion Legal team. If nothing changes in 30 days, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.

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 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I received a letter on XX/XX/XXXX about a DEFAULT JUDGMENT from XXXX County, Texas about me and I have no idea what this is about. I have never signed for any documents ; court orders or summons from anyone regarding this debt. I do not owe this debt as the person who owes this debt died in XXXX. A few years ago, I told the company about this situation and they stated that this file will be closed. I never heard from them again. Even if I wanted to assist with payment of this debt, I am unable to. I am XXXX XXXX and has a XXXX which limits work progress. This DEFAULT JUDGMENT states that they will dispose of me which according to my understanding, I will be killed, or my life will be terminated by this company - Calvary SPV, LLC. I am not sure why a court would pass judgement and never verify whether I received any documentation or not. I have never done any business with this company and I feel my life is being threatened for a minor debt in life that is not even my debt. Please advise me what to do as I am afraid to leave my home in fear that someone kill me and disposes of my body.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXXXXXX XXXX Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by chexsystem a year and half ago. I don't agree with the debt. This doesn't extend or re age the account.

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 2021-03-22 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Back in XXXX Comenity Bank/ Victoria secret card reported that I had filled Chapter XXXX bankruptcy in error to XXXX credit bureau. After been aware I reach out to XXXX to submit a dispute as well reach out to comenity back to heave them fix the error they had caused. 30 days after the investigation from XXXX nothing was resolved, my credit stayed the same with conclusion from them saying the info on my repost was correct. After getting the investigation results from XXXX I reach out to Comenity bank, they kept giving me the run around saying they had already updated the Info XXXX. I kept disputing the errors with XXXX over 4 times, till finally in XXXX of XXXX I was able to get a letter from Victoria secret explaining the the error and sent it over to XXXX. The remarks had been removed from my credit and the chapter XXXX bankruptcy was gone. After only a few months the remarks came back showing the bankruptcy again, and again I file a new claim with the letter that was sent to me from Victoria secret, results came back with no resolution. At this point I have exhausted everything I feel I can do. This has cause me so many problems when it comes to buying a home, my credit is showing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! 

XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!

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 2021-03-22 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:
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 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. I demand the following accounts be verified or removed immediately.

Name of Account /Physical Verification Creditor 1 -XXXX XXXX XXXXXXXX XXXX XXXX THIS IS AN FRADULENT ACCOUNT. Remove immediately. 
Please remove all non-account holding inquiries over 30 days old. 
XXXXXXXX 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 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Thank You, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NV

Complaint narrative:
I have sent several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in 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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello, This complaint is regarding Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from Santander that I am included in the settlement, Santander continues to report harmful inaccuracies to my XXXX and XXXX credit reports. Santander still calls to collect on the debt that they report as charged off and late every month. 

Santander took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

XXXX and XXXX are both reporting completey different things for the Santander USA account. It's harmful and defamatory to my credit profile. I have reached out to Santander several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for Santander do what they agreed which is to relive the loan and the Santander USA account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Merchants AD is reporting two accounts on my credit report that I do not recognize, one account with XXXX XXXXXXXX XXXX and another with XXXX XXXX XXXX. I wrote a letter to Merchants AD requesting that they validate these two accounts. I did not receive a response from the company. However, these two accounts are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NV

Complaint narrative:
I have sent several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in 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 2021-03-22 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: NV

Complaint narrative:
I have sent several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by XXXX a year and half ago. I don't agree with the debt. This doesn't extend or re age the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: AZ

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a collection on my Experian credit report that I successfully disputed and had removed from both XXXX XXXX XXXX but Experian has refused to remove it via dispute they claim they contacted the collector and the information was accurate. I put in mu dispute notes for all 3 bureaus that the account in question XXXX XXXX XXXX XXXX XXXX XXXX is top old and meets the criteria of the statue of limitations law held in California where it originated from. Under this law it states how long different types of debt can stay on your credit report. This debt which started from XXXX XXXX XXXX is well over that stated time of 4 years. According to the information given on the credit report the collection was opened on XX/XX/2015.

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 2021-03-22 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: CA

Complaint narrative:
Back in XXXX XXXX XXXX XXXX XXXX XXXX reported that I had filled XXXX XXXX bankruptcy in error to TransUnion credit bureau. After been aware I reach out to TransUnion to submit a dispute as well reach out to comenity back to heave them fix the error they had caused. 30 days after the investigation from TransUnion nothing was resolved, my credit stayed the same with conclusion from them saying the info on my repost was correct. After getting the investigation results from TransUnion I reach out to XXXX XXXX, they kept giving me the run around saying they had already updated the Info TransUnion. I kept disputing the errors with TransUnion over 4 times, till finally in XXXX of XXXX I was able to get a letter from XXXX XXXX explaining the the error and sent it over to TransUnion. The remarks had been removed from my credit and the chapter XXXX bankruptcy was gone. After only a few months the remarks came back showing the bankruptcy again, and again I file a new claim with the letter that was sent to me from XXXX XXXX, results came back with no resolution. At this point I have exhausted everything I feel I can do. This has cause me so many problems when it comes to buying a home, my credit is showing inaccurate 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 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i paid my monthly bill but navy federal reported my account as late its a pandemic i dont know why they will do that its in violation of the Covid -19m forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello I have been contacting Coinbase day after day week after week and month after month trying to get my money that they froze for no reason and didnt give me a reason, my money has been in a XXXX and I have literally lost thousands upon thousands of dollars these last 2 months because of this company and they dont reply to my emails anymore, they dont help me and this has caused emotional distress and I cant handle this anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal is holding all my money from my my account after selling something on XXXX for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief