vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have attempted to reach out to the vendor regarding my balances and claims my balances was reported correctly but it is not updated on the 3 reporting agencies yet. I have contact the 3 credit reporting agencies and indicated balances reported have not been updated since XXXX. By my balances not correct is effecting my credit score. Please review and update information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have attempted to reach out to the vendor regarding my balances and claims my balances was reported correctly but it is not updated on the 3 reporting agencies yet. I have contact the 3 credit reporting agencies and indicated balances reported have not been updated since XXXX. By my balances not correct is effecting my credit score. Please review and update information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: UPGRADE, INC.
State: IL

Complaint narrative:
I have attempted to reach out to the vendor regarding my balances and claims my balances was reported correctly but it is not updated on the 3 reporting agencies yet. I have contact the 3 credit reporting agencies and indicated balances reported have not been updated since XXXX. By my balances not correct is effecting my credit score. Please review and update information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
I made my first payment with this company. When the second payment rolled around, I called in to see what payments extension options they had for COVID related issues. I was informed that they would push my current amount due out for 60 days and assured me there would be no payments reported late. Unbeknown to me, I checked my credit reports recently and saw that they in fact did report my payments late and that they are not even recording my initial payment as being paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please validate this information with none and provide me with copies of any documents associated with this account bearing my signature in absence of any documents bearing my signature i formally requst it be removed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
When I tried to log into XXXX with correct user name and password, I was asked to input one-time verification code. There were 3 options, text message, phone call, and call in to get a code. Since my cell phone was damaged at the time, I called in using XXXX to get a verification code around XXXX XXXX  PT, XX/XX/2020. I called XXXX, the number shown on the webpage. The phone has been transferred 6 times. The first person verified my card number, name and said he was in the debit card team then he transferred me to another person. The second person verified my card number, name and security words and said she was only the customer service team then transferred me to the identification team. The third person only said hello to me and transferred me to the 4th person. The 4th person verified my card number, name and security words and said she is from the customer service team and will transferred me to the identification team. The 5th person verified my card number, name and security words and said she will need to verify my public records. After verify the records, she said she would send me to the automated system to give me the code. However, after the transfer, a 6th person picked up the phone, verified my card number, name and security words, and declared he was from the customer service team. The phone had been transferred to the 7th person, who supposed to be supervisor. Still, the supervisor verified my card number, name and security words and did not help. After 1 hour on the phone, nobody actually helped and I was still not able to log into my own online banking.

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 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a dispute back in XXXX for a purchase I made in XXXX of XXXX. The items that I purchased didn't work for me. I've made multiple attempts to get this resolved with the seller. The merchant is unresponsive and the proof is attached to this complaint. That's when I reached out to my bank Citibank to try to retrieve the funds of {$290.00}. I've complied with every request. I've sent in all the supporting documents along with the signed form that they mailed to me via fax. Last week I received a notice that stated that the case is being closed due to not sending in the requested information. I've spoken to 4 dispute supervisors that stated that I sent in the requested documents that was requested of me and nothing further was needed. So again why was this case closed? You'll also see the fax confirmation page of where I sent the information too and the number. 

I feel like I'm being discriminated against because I filed a complaint against them back in XXXX XXXX. I need my money ASAP. I'm tired of them playing games if you listen to all the calls you'll hear 3 of the 4 supervisors saying I would get provisional credit and that has never happened. 

Also every time I called in to check on my case I would be told that that they never received the documents or the case is closed. Once I request to speak to a supervisor the supervisor will tell me the information that the rep gave me was incorrect. I love my account with Citibank but they are very unorganized as an organization.

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 2020-11-10 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:
Please validate this information with none and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file. XXXX XXXX XX/XX/2019 and XXXX XXXX XX/XX/2019

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 2020-11-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and things Ive never seen before on my credit report. Over 45 days late I have not received a response yet. I think that they are ignoring my disputes. Section 611 ( a ), It states that a failure to investigate these items within 30 days constitutes a removal of these items from my credit report. Its been well over 45 days and they should be deleted immediately. My credit was involved in the date breach and some of my information may have gotten been misused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 12 CLOSED ACCOUNTS WITH BALANCES THAT ARE SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I made a payment on XX/XX/2020 in the amount of {$41.00}, another payment on XX/XX/2020 for {$25.00}, another payment on XX/XX/2020 for {$12.00} and another payment on XX/XX/2020 for {$15.00}. I don't understand why I still have a payment due on XX/XX/2020 for {$29.00}. I have already made more than the minimum due before XX/XX/2020 however Aspire is still reflecting and notifying me that I have a payment due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 7 CLOSED ACCOUNTS WITH BALANCES THAT ARE SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 5 TOTAL LATE PAYMENTS ON 2 ACCOUNTS THAT ARE CLOSED WITH NO BALANCE TO WHICH I DO NOT RECOGNIZE AND SHOULD BE REMOVED FROM MY REPORT PURSUANT TO FCRA 623 THERE ARE 3 INQUIRIES THAT I DID NOT AUTHORIZE PURSUANT TO FCRA 604 I'M DEMANDING THE REMOVAL OF ALL OF THEM

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 2020-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: CO

Complaint narrative:
The original amount of my loan was {$35000.00}, but with only a few months to go, Payoff began reporting that it was only {$3500.00}, NOT {$35000.00}. This made it look like I had paid off NEGATIVE 9 % of the loan and owed more on the loan than the original amount!! I initiated a dispute through the credit bureau, but Payoff reported the {$3500.00} original amount was correct?! I called and emailed repeatedly and they finally acknowledged the error, but now two months after my initial dispute they STILL havent updated my credit report! Their error dropped my score 28 points while I am trying to refinance my house and they dont make an effort to fix it? Read their reviews on XXXX  .... theyre very upsetting!

Company response to consumer: Closed with explanation