vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX  XXXX Balance Owed : {$570.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This account has the wrong balance. Please remove this account because inaccurate information is being reported. 

US DEPT ED XXXX Balance Owed : {$4700.00} You are reporting incorrect balance and an inaccurate payment history. Please remove because of violations. 

US DEPT ED XXXX Balance Owed : {$2700.00} - Date of Last activity showing different dates at each bureau -Please delete for inconsistent dates of last activity and because this has also been re-aged. 

US DEPT ED XXXX Balance Owed : {$900.00} - Failure to report the Date of last activity is a Violation. Delete immediately. 

XXXX XXXX XXXX Balance Owed : {$11000.00} - his account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history has been reported after the account was closed. These are all violation. 

XXXX XXXX XXXX Balance Owed : {$410.00} - This account has been paid, Please remove Immediately.

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 2021-01-18 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: OR

Complaint narrative:
Us bank reliacard is holding my money. I have submitted a valid photo ID, both sides. A selfie as well. Met all requirements for identification verification! Yet I still have XXXX thousand+ dollars sitting on a card that they will not let me use for god knows what reason? This is complete XXXX we are in the middle of a pandemic and i have been out of work for months and months. Every bill i have is behind and last but very much so, not least! My child went to his grandma 's in XXXX XXXX XXXX, he's XXXX, and I have no way to get to him. Literally stuck away from my child because I cant use my card to buy a ticket or get gas to go to him there has to be an emergency procedure for times of national emergency procedure for during times like these. People are suffering. It shouldn't be too much to ask for access to my own money seriously something has to be able to be done about this and quicker than it is because americans are being held down by US companies when americans are already dealing with enough. Go ahead and ask them how many people can't use their money at this time because of the social security office and XXXX scheduling months out

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 2021-01-18 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: NC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-18 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty : XXXX XXXX XXXX XXXX 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency.

********* This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted

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 2021-01-18 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I have been working with loan depot to refinance my ex Sistine loan with them They moved loan to conditional approval on XX/XX/2020 Any additional documents requested were provided. 

I contacted loan depots personal multiple times by email, message and phone. 

I have been given nothing but excuses as to why I havent had my refinance completed. 

My interest rate lock expired as well and they have refused to proceed a new one as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Nelnet, Inc.
State: PA

Complaint narrative:
This account has never been negative or late. I have submitted all documents and the account is still appearing only on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: LA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

DP OF EDUC XXXX Balance Owed : $ XXXX Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account is inaccurate. All 3 credit bureaus is reporting different things and I have no knowledge of account or reporting. Please DELETE as XXXX  has already done so!

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 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is reporting a negative reporting on a XXXX account but when you review the history, no late payments is shown. 
Both XXXX  and XXXX, has removed the negative remarks and account as it was being reported inaccurate.

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 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXXXXXX XXXX Balance Owed : {$480.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXXXXXX Balance Owed : {$380.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX  XXXX Balance Owed : {$880.00} - Reporting unknown which means it's incomplete, please delete this 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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: UT

Complaint narrative:
Recently reviewed my XX/XX/XXXX report and noticed PNC bank accounts that were removed and some that were closed due to fraudulent transactions. I am requesting for PNC bank to remove any debts from my name for any checking accounts as I havent used any accounts with them since 2002.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NJ

Complaint narrative:
Hello guys, I bought a XXXX phone from XXXX XXXX XXXX store in XX/XX/2018. 
which phone was returned to the same store after a week ago. I do have proof of refund to the store. 
So I don't know why are they want me to charge again. 
Also I called to them so many times but they still sending me debt collection letter. 
please help me to remove this amount from my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Pursuant to 1692b ( 5 ) and 1692f ( 8 ) Aspire sent me a statement with their symbol on the envelope and inside the content. The content in the letter did not state that it was an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
CFPB is helping me, the company in error against me takes 2 weeks to respond then CFPB allows 60 days ; in this economic crisis with an unjust judgment other members of my family are feeling the stress muchless this false account against me. Time to end this is my request.

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 2021-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
Hi, I opened an Account With Remitly some time ago to send money to poor people in the XXXX. I closed it to use another service. I requested that my account information be deleted for security. Everyone gets hacked and they have my checking account information. 
I went back to remitly and they said I can not transfer money using my checking account because my account is associated with another account! 
I explained all this to them and asked that they delete both accounts and most importantly my bank information. 
Remitly refuses and says I agreed to to it in their agreement. I said That I revoke that authorization and they still refuse to delete my banking account numbers. 
This is a big problem waiting to happen. A hacker is going to hack them and clean out everyone 's bank account. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Paid several accounts on my credit reports off they refuse to remove them. Some are listed more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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