vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: OR

Complaint narrative:
Dear TransUnion, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. 

However, you did not provide proper verification the last time I requested this verification. 

You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score.

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, 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 2021-08-03 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: LEXISNEXIS
State: FL

Complaint narrative:
There is a public record on my consumer report I do not recognize. I contacted the courts and they said that the information I gave them does not match. I never filed bankruptcy. Can you please provide proof from the court of this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CA

Complaint narrative:
I have contacted TransUnion multimedia about inquiries that I dont recognize. I have called customer service and they are nothing but rude. Everytime I try to talk to them they tell me You cant dispute by mail or something that is not true. Twice a representative hung up in my face. The worst was the supervisor XXXX XXXX. There was another but I cant remember his name either. It has literally been over 3 mi this trying to dispute inquiries. Why cant the credit bureaus do their job professionally? I am sick and tired of being a victim because people wont do their job.

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 2021-08-03 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: OR

Complaint narrative:
Dear TransUnion, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below.

However, you did not provide proper verification the last time I requested this verification.

You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score.

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, 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 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
2 inquries and a applcation I never submitted because of years of identity theft through a tax scam I place periodically freezes on my reports, they denied told me to reapply when I obtained SSI and was guaranteed approval! Lied. Was denied asked to remove the inquiry for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
CREDIT SYSTEM INTL IN is claiming that I owe them { {$150.00} } but this debt is not mine. I am a victim of identity theft. Please Remove this inaccurate collection from my report. Attached is my notarized affidavit and police report proving identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: LA

Complaint narrative:
Experians data furnisher has sent me a letter saying they deleted the bankruptcy but experian isnt removing it from my credit file. This a direct violation of frca 15 U.S.C 1681 et seq..

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 2021-08-03 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: NY

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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
I want to complain about Xoom, a XXXX service. 

Usually, when my employer sends me my salary, it comes in real time or waiting time of only 10 mins to 1 hour. And he always chooses the instant delivery option where I should be getting it real time all the time. 

Starting XXXX, I have been inconvenienced multiple times for money transaction delays. Client sends my salary on time each and every time. But Xoom delays the money sent to my bank account. 

Called them up, and they do not give receivers ' right for information regarding their money status. They always revert the problem back to the sender when they should not be in the picture of the problem. Senders sent the money responsibly and it always automatically deducts the money from their account immediately. 

Receivers are in a severely disadvantageous position here because of Xoom 's delay in depositing the denominations successfully. My point, receivers should have the right to know the status of their money - where it is, when it is going to be deposited, why the delays, what are the problems within the transaction, etc. 

It creates anxiety for the receivers ' end because most transactions are for their immediate needs and delays only make it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/21 I was victim to identity theft. I was subject to a scam by someone impersonating a tech company assisting with a a virus protection membership. The impersonator gained access to my computer and my on-line bank accounts. Fraudster initiated a international wire transfer for {$9800.00} from my saving account. I never authorized or initiated this transaction. I immediately went to my bank branch, where with the bank manager were on the phone with the fraud department. They informed us the perpetrators were still trying to get another {$20000.00}. With the help from my bank we filed a claim that day with the Chase claims dept. 
I canceled my three bank accounts, removed the hard drive from my computer and changed my email address. On XX/XX/21 Chase bank sent me a tax form ( W-8BEN ) which is a certificate of foreign status of beneficial to the withholding agent or payer if you are a foreign person and you are the beneficial owner of an amount subject to withholding owner. Proof again that the money was sent to a foreign country. No XX/XX/21 the claims dept. states I did not take the appropriate steps to protect my account. I had a professional anti-virus software installed, also subscribed to XXXX XXXX at the time of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
Hello I'm reaching out to you. I received numerous calls to collect a debt. I have actually two collection agencies trying to collect on the same debt from XXXX XXXX. The one agency is XXXX XXXX XXXX  and also Direct Recovery XXXX. I don't want to be paying twice for something and the same debt. I was wondering if you could help me out and letting me know if two debt collectors can actually do this. If you could please help I appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit card dispute with CAPITAL ONE BANK USA N.A. in XXXX. Capital One charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago. 

Recently, a SECOND third party debt purchaser, XXXX XXXX XXXX, purchased the account on XX/XX/XXXX and has made attempts to collect.

I called the original creditor, CAPITAL ONE BANK USA N.A. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX  and opened a case regarding fraudulent activity on my credit report. ( XXXX  Report Number is available ). XXXX  Fraud Agent, XXXX, ensured the company would contact both Capital One Bank and XXXX XXXX, requesting my usage/activity as well as the ORIGINAL date Capital One discharged the debt. 

XXXX  contacted me XX/XX/XXXX after ONLY contacting XXXX XXXX who generated the activity they reported since their purchase on XX/XX/XXXX. 

Personally, I've had only ONE credit card for the past nine years. By demanding the charge off date from CAPITAL ONE BANK USA N.A, you will see how long the account has been on my account. XXXX  basically didn't do their job and the fraudulent account remains a blemish on my credit score. 

In summary, if I could have access to CAPITAL ONE BANK USA N.A and the date they charged off my account, it would prove XXXX XXXX XXXX purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: GA

Complaint narrative:
transunion failed to investigate me 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 2021-08-03 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: MI

Complaint narrative:
XXXX is problematic. Dipsuted information still has no been removed, they refuse to provide credit score and report unless you pay ... which I did and still can't get resolution. XXXX/XXXX  is not a valid debt. XXXX has sent me validation of cancelation of policy, emails, proof of credit they owe me and STILL it is not removed as derogatory on my report. They also refuse to remove other accounts over 8 years old after many attempts and disputes. I'm sick of it. Fix this!!

Equifax needs to remove this items.

XXXX  needs to confirm they have removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.

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 2021-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have never been late on my any of my accounts with Capital One. I have disputed these late payments several. This reports are hurting my credit score and stopping me from getting approved for a home. One of the credit card accounts are closed but they continue to report it as being negative. They reported that I have been late on both accounts XX/XX/2015 through XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my Checking account for almost 20 years. Were All my payments and direct deposit goes through. I was accused of fraud and threatened by bank of America and they closed my account without further investigations. My sister in law owes me deposited her payment to my account using her EDD debit card. She said that she spoke to her bank and they said its ok. Why would i be suffer from this when its someone else made a deposit tk My account. It is very Unfair and it was already made clear that the deposit or transactions was not a fraud and they still closed my Checking account. It caused me a lot of stress since all my payments and direct deposit is all through that account. I cant even pay my rent on time. They even threat me that they Will report and wont be able to open an account else where. I have a written letter from them as an evidence.

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 2021-08-04 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CT

Complaint narrative:
Loan Depot had contacted me about refinancing my home mortgage. I gave them an application, working with XXXX XXXX. He knew I was also applying at my credit union for the refinancing. Loan Depot sent me a loan offer, along with the full HUD statement. 

XXXX had told me Loan Depot could match or possibly do better than the offer I was waiting to receive from my credit union. I sent XXXX the HUD statement from my credit union 's offer, as he had requested. 

XXXX came back with a better offer than his original offer, but it was still significantly higher than the credit union offer. He stated he could not do any better on an offer. He and I agreed the credit union offer was the better one, and that I should pursue that one. We agreed I would not take the Loan Depot offer. 

Today, XXXX XXXX, 2021, I received from Loan Depot in the mail an " Adverse Action Notification '' and " Statement of Credit Denial, Termination, or Change. '' The reason given is " Credit application incomplete ''. There is also the statement, " APPLICATION DECLINED. '' I spoke to " XXXX '' at the Customer Care department, who told me the computer automatically defaults to the Adverse Action Notification. I told him this was mistaken and not factual. My application was, indeed, complete, and I had received an offer of a loan from Loan Depot. He told me he could not change the information, and he could not reach a supervisor. He said he would have a supervisor call me tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 a victim of identity theft. Please see the attached documents relating to this case and the completed notarized identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. 
Fraudelenat accounts are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Attached is my notarized affidavit and police report. 
This is my 3rd attempt to communicate with you on 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 non-monetary relief