vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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: FL

Complaint narrative:
I recently filed a complaint with TransUnion regarding an account that is listed on my credit report File marked '' 1 ''. The account is not mine. I never received a loan with that original balance from the creditor they have listed as XXXX University. I asked that they validate this debt and provide me with proof of the original loan balance and proof of the date of first delinquency of this account or remove this account from my credit report. 

I received the results of their investigation File marked " 2 '' and they replied that they had validated the debt. They did not provide me with the account information that I had requested. I had asked that they provide me with proof of the verification process that they had used to validate this debt. I also requested proof of the original loan balance and proof of the the date of first delinquency. 

I called TransUnion and requested proof again of the verification process that they used for this account and spoke with a TransUnion representative Ms. XXXX who told me it was up to the creditor to provide me with this information. She told me that they only report what information is given to them. I explained that it is up to TransUnion to verify the information given to them or a creditor could report false information. I also explained to Ms. XXXX that I had contacted the creditor and they could not provide me with the information I also explained that I had already filed a complaint with the CFPB and FTC regarding the illegal tactics of this company and their reporting of inaccurate information and time-barred information on my credit reports. I have spent months trying to resolve this issue and subsequently XXXX  and XXXX  did remove XXXX University from my credit report. 

By law TransUnion is required to provide me with the details of the verification process that they used to verify this debt including proof of the original loan amount and the date of first delinquency for this account as I requested, or this account must be deleted from my credit report. 

Please see details of my prior dispute complaints to the Consumer Financial Protection Bureau and the FTC, regarding this company and account. Complaint # 's XXXX # XXXX # XXXX I am available for any questions at XXXX. Thank you for your time and attention to this issue.

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 2020-03-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently completed my XXXX XXXX XXXX. While in school several things occurred. First, my federal unsubsidized loan was sold to XXXX. XXXX held this loan until the last semester before I graduated this fall in XX/XX/XXXX. I took off one semester ( Spring XX/XX/XXXX ) before I finished school. XXXX  immediately started billing me upon my separation without graduating for XX/XX/XXXX. Thinking that there should be some grace period and my spouse had been unemployed for a little over 2 years, I couldn't afford to pay them. I just held my breath and started paying them when he got a job in XXXX or XXXX of XXXX. I contacted them once and the representative totally ignored my grace period question and wanted me to set up a payment plan. As I explained, I don't need one since my husband is working. However, I am in no position to pay them thousands of dollars to bring this account current. Two concerns : If XXXX considered my original separation from school grace 6 months, then why am I 90 days late once the grace period ends? Second question : I pay XXXX one payment. Why are they reporting to the credit bureaus three different loans at 150 days late? They are purposefully doing everything in their power to do major damage to my credit. Last but not least, when I asked the US Dept of Education to review their reporting, they recognized the error and made it right. I am hoping and praying that someone can get XXXX to do the same.

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 2020-03-11 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XX/XX/2019. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: WI

Complaint narrative:
I WAS GIVEN AN OFFER TO PURCHASE MY HOME XX/XX/2020. THE BUYER WAS TO HAVE EARNEST MONEY DEPOSITED BYXX/XX/2020. THE BUYER WAS TO HAVE PROOF OF A LOAN BY XX/XX/2020. THE CLOSING WAS XX/XX/2020 AND AT THE CLOSING I DISCOVERED THAT THE LENDER, XXXX XXXX OF NRL MORTAGE WHO HAD TOLD ME ALL THE REQUIRED MONEY HAD BEEN OBTAINED, HAD BEEN ROLLED INTO HER FHA LOAN WHICH SHE OBTAINED 2 DAYS PRIOR TO CLOSING. BREACHING THE CONTRACT AND KEEPING MY HOME OFF THE MARKET FOR 2 MONTHS FOR A PERSON THAT HAD NO FUNDS. 
I ALSO WAS CHARGED WITH HER CLOSING COSTS AND THE PRICE OF THE SALE OF MY HOME WAS REDUCED FROM {$98000.00}. TO {$97000.00}. DUE TO A MATH ERROR. 
HER LOAN AMOUNT WAS LISTED AS MY SELLING AMOUNT AND I WAS CHARGED FEES ON THE LOAN AMOUNT OF {$100000.00}. AS I WAS TOLD SHE ADDED {$6000.00} TO HER LOAN TO COVER HER CLOSING COSTS. IN THE END I ENDED UP LOSING {$10000.00}. OFF THE PRICE OF MY HOME AND THE COSTS I INCURED AND SHE WALKED AWAY WITH {$110000.00}. IN CREDITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XXXX. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-11 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XXXX. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-11 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
For the 2nd time this year MIDWEST RECOVERY SYSTEMS is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates. The company has in prior posted on my account and has faild to validate debt and was forced to remove the record : On XX/XX/XXXXMIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Credit Posting on XXXX   and XXXX  as Collections with out validation Dear, CFPB. I received information from XXXX and XXXX  that a company listed as MIDWEST RECOVERY SYSTEMS has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised MIDWEST RECOVERY SYSTEMS, that I dispute the validity of the alleged debt in its entirety. 

Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. 

The original creditor is listed as Original creditor : 12 XXXX XXXX  XXXX for which I have no knowledge of any account. 

I affirm that MIDWEST RECOVERY SYSTEMS is illegally attempting to collect an alleged debt and money that I do not owe. MIDWEST RECOVERY SYSTEMS has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. 

As per the law, MIDWEST RECOVERY SYSTEMS shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. 

This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. 

The CFPB is authorized to investigate this matter and receive related information. If MIDWEST RECOVERY SYSTEMS fails to remove the entries does not comply with this letter, I may turn the matter over to an attorney. Sincerely, XXXX XXXX Credit posting shows as follow 's Midwest Recovery Systems Opened XX/XX/XXXX {$470.00} Ori Original creditor : 12 XXXX XXXX  XXXX XXXX  Balance {$440.00} Highest Balance {$470.00} Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 12 XXXX XXXX XXXX  XXXX   Creditor Information MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX See History from this Company : See complaint : XXXX-XXXX  SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I just reviewed my credit report and noticed errors on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and  this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-11 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: CO

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-11 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX  XXXX {$620.00} XXXX  XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX  XXXX {$120.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  XXXX  XXXX {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: FL

Complaint narrative:
First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.

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 2020-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing this complaint because Simple Bank disapproved my application for a new checking account at their bank. According to their webpages, the " Simple Checking Account '' was a prerequisite to opening a Protected Goals Account which paid market-rate interest and also paid a {$400.00} sign-up bonus. 

I can not image why I was refused a checking account except they looked at my application and said oh no he is too old. I am XXXX years old. I dont think that is a valid reason and is, in fact, illegal to discriminate based on a persons age. 

Below is what they said and I have also attached the actual email in a print-to-pdf file. 

I believe an FDIC insured bank has the responsibility to tell you why you are not being approved. They are not telling me for security reasons yea, their security to avoid a lawsuit for age discrimination. They didnt even give me a telephone number to call or an email address to inquire about why I was not approved ( see email ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, Were sorry to let you know that your Simple application was not approved. For security purposes, we cant tell you the specific reason. 

Thanks for your interest, and we wish you all the best. 

The Team at Simple

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I just reviewed my credit report and noticed errors on my file

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 2020-03-11 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: CA

Complaint narrative:
I just reviewed my credit report and noticed errors on my file

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 2020-03-11 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: OK

Complaint narrative:
After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to Experian, XXXX, and XXXX   along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Experian has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Experian never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Experian has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Due to these numerous violations Experian must be held accountable for their actions and remove the fraudulent accounts from my credit file 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