vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am not the person responsible for the charges made on the accounts. Equifax and XXXX put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not the person responsible for the charges made on the accounts. XXXX and Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX ( Original Creditor : 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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XX/XX/2019 diversified consultants started reporting information on my XXXX credit report which I knew anything about. This company had not sent me any correspondence saying that they are collecting a debt and my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I missed a payment for my Kohl 's charge credit card, this was in XXXX of 2015. I tried to reach out to the company to dispute this charge but they said there was notthing they could do. Please remove this late payment charge for me, because I am trying to lease a vehicle and this is stopping me from doing so. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm involved in the XXXX security breach. I'm trying to put a lock on my account with all 3 credit reporting agencies but Experian is the only one that won't let me. Why is this? Why can't I protect myself?

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 2019-07-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: WA

Complaint narrative:
The company set me up on a rehab plan I set up 9 payments that was the criteria. I also had to send them copies of paystubs and a bill 3 times I met my part of what they asked. They are a year later calling saying I didnt make all my payments which I did I gave them my account info and approved the 9 payments they advised were required. I also faxed and mailed the documents they asked for. They are now calling me at minimum 5 times a day saying I have to restart the program because I missed payments which i could not have I gave me info and authorized them to take the payments and they did. I dont feel its fair to me trying to get my loans back on track that they drop the ball and dont follow through on their part and now I have to restart the whole process. This seems very shady and I dont agree when I say Im at work I cant talk now they call and call I will loss my job and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00}, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
Sincerely, 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 monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2019, I mailed a Method of Validation letter to Transunion, exercising my rights as under the FCRA. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of these forms without checking into the accuracy of the alleged account. I asked who did they speak with at these companies that verified the information so in order to know whether they were qualified to even verify and also what documentation was used to verify. 
In accordance with my rights, I sent a letter to Transunion stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.

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 2019-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Resources, Inc.
State: NJ

Complaint narrative:
I was approved for a loan modification with three trial payments. The fourth payment would be my 1st payment of modification which began in XXXX. My payment for XXXX I attempted to make XX/XX/XXXX, but my bank did not honor it so it was returned ; no fault of the mortgage company. I made another payment XXXX XXXX/XXXX which was accepted. I then receive a telephone call from representative XXXX on XX/XX/XXXX to advise that because of the bounced payment I would have to reapply for loan modification. I asked her why she said because the condition of the " trial '' is that I do not miss a payment. I then went on to confirm payment was made and honored with my bank and that as of XXXX I am no longer in " trial '' as now this is it. She said that there is nothing that can be done except me submitting my paperwork all over again to Loss Mitigation in order to prevent it from going to the attorney for foreclosure. I complied via fax and email, but then after reviewing my modification paperwork there was nothing in the correspondence to this effect. As my trial payment was over and now my initial payments began in XXXX so therefore, this should no apply to me. She then went to a " lead '' for confirmation and they confirmed that I was in " trial '' and could not miss a payment. I again became confused because my payment was honored and the representative who took payment failed to provide me with any of this information. Also, the XXXX payment portal is not working as it does not reflect the loan modification. I feel like they are doing everything in their powers to foreclose on my home, when I am doing everything necessary to stay in it. I am a single mother working extremely hard to provide for my family. Granted you are not responsible for the life situations that occur, but since then I have pulled myself up gained new employment and doing everything in my power to make sure I resolve this issue to ensure me or my family aren't faced with this dilemma again. This is extremely stressful, I am losing sleep over this and not eating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: IL

Complaint narrative:
On XX/XX/XXXX Equifax removed the address that is supposed to be on my credit report-XXXX XXXX XXXX XXXX XXXX, but kept the address that is not suppose to be on file. The incorrect address is attached to this complaint and highlighted in yellow and should be removed from my file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
AFTER BEING A GOOD MEMBER IN STANDING AS CARD HOLDER FOR OVER 2YRS. I RECEIVED A LETTER FROM DISCOVER CARD STATING THAT MY LIMIT WOULD BE REDUCED FROM {$3700.00} TO {$500.00}. I HAVE NEVER MISSED A PAYMENT AND CURRENTLY HAVE HAD A XXXX BALANCE FOR AWHILE. THIS HAS ADVERSELY AFFECTED MY FICO SCORE .I HAVE ACTUALLY INCREASED MY SCORE AND HAVE ADDED ACCOUNTS WITH NO LATES WITH VARIOUS LIMITS. AND MY SCORES ARE DECENT,XXXX.NEVR MISSED A PAYMENT AT ANY TIME ON ANY CARD, OR PERSONAL LOANS MR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Just this month ( XX/XX/XXXX ), a " late payment '' hit my credit report while I am in the middle of purchasing a house. I logged into the TD Auto Finance website ( which I never do b/c the payments are made in person at TD Bank counter ) and there was nothing obviously that would show anything was 30+ days late. What I did see was what the balance due for " XX/XX/XXXX '' which is what they are stating is the missed/late payment. I called TD, spoke with a representative yesterday ( XX/XX/XXXX ). They stated that there was a payment missed in XX/XX/XXXX. It clearly was an accident because every payment before and after that has been on time and always more than the minimum. I was never notified about a missing payment. TD stated that do not call for missed payments but only send notices in the mail. I have never received one. They also said they sent me monthly statements, which I also have never received and they are looking into that. The on-line message center also has no notification in there under my account. When they told me it was late, I immediately paid the outstanding balance, which was less than a monthly payment due to all the over payments. Not only did they not make a fair attempt to contact me, they reported {$88.00} as " 30 days late '' with the credit bureaus but posted it on my credit 9 months later as if i was recently late. Had they either called me and/or even added it my credit when it was truly late, I would have paid it immediately. Now my current home loan I'm working on is at risk. They told me there was no phone or e-mail to contact anyone, I would only be able to mail my complaint to the Credit Dispute Department. My home is supposed to close in less than 3 weeks and this is now an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 ; DP OF EDUC XXXX ; DP OF EDUC XXXX XXXX DP OF EDUC XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. XXXX. XXXX. Mo. XXXX. My. Compliant is. lack of consideration of positive. accounts not being reported on my credit report. Also. Experian credit bureaus is conducting a promotional program called Experian/Boost youre score which 4 of my associates have tried 8 times and failed to. accomplish. The program is fruad and designed to gain customers for there Credit. Repair Program

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 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: MO

Complaint narrative:
On XX/XX/2019 I sent an email and mailed a letter to Second Round Up concerning their account listed on my credit report. In my email I asked for them to please validate the debt, if they could not do so please remove from all three bureaus of my credit report. To this date they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Tried to dispute fraudulent inquiries on my file with XXXX  & Transunion wrote letters several times even tried calling the dispute department for both XXXX  and Transunion, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.

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 2019-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I have been making payments for several years on a consolidated parent PLUS loan, serviced by Nelnet. Most months I pay more than the required minimum, however my statements show 100 % of nearly every payment goes to interest and nothing to principal. Ive asked how I will ever pay it off if its all treated as interest only payments? They just said thats the way they have to do it. Im supposedly on an extended payment plan so I asked for an amortization schedule. All they sent me was something showing my loan amount and amount of monthly payment, I dont think the personnel Ive spoken to and emailed even know what an amortization schedule is. Im thoroughly frustrated trying to get this information. I even asked them where I can file a complaint about Nelnet and they ignored my request-I cant find it on their website either. Im pretty sure if they are servicing federal student loans they have to provide information about how to file a complaint. I had to research it myself and found this website, so Im hoping to get the assistance I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A few months ago I opened an account with Care Credit to help me pay for any big Dental bills. They have plans that allow me to pay over 12 months same as cash. Yesterday, XX/XX/2019, I received an " upgraded '' Mastercard without even asking for the upgrade. Naturally I rejected the card and when speaking to the agent on the phone I explained that I was quite upset for two reasons. First they had no right to send me this card without my permission. Second, I have no doubt that they are sending this card to seniors that do not the understand what they are getting and how this may affect their credit score. To me this is a predatory action and must be stopped.

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