vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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:
RE : Requesting a Method of Validation Letter Dear Sir/Maam : I  recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX   Acct # XXXX XXXX Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX   Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

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 2020-08-07 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: PA

Complaint narrative:
I am writing to dispute the reporting of my student loan on all three credit reports, XXXX, Experian, and XXXX The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.

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 2020-08-07 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: OH

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Fifth Third disputing the lengthy hold and also the fact the check had cleared and I could verify the funds had cleared and they stated there was nothing they could do and that funds would not be available for 7 business days. This is not acceptable since it is drawn on a local bank, plus the fact the funds had in fact cleared and there is proof of that, they apologized and said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet has 2 separate loan accounts listed on all three of my credit reports. There is one loan and one loan amount only for the amount of {$12000.00}. I was late on XXXX and XX/XX/XXXX. Being that Nelnet has listed 2 separate loans, via my credit reports, it states I have been late 4 times ; this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is reporting the incorrect status of an account. I was in Chapter XXXX Bankruptcy from XX/XX/XXXX to XX/XX/XXXX. I have 3 accounts with XXXX XXXX XXXX that were included in the Bankruptcy the account numbers are XXXX, XXXX and XXXX. Experian is reporting one of these accounts with a recent delinquent payment history even though the account has been closed for over 5 years and was included in the Bankruptcy. Two of the accounts with XXXX XXXX XXXX have the correct payment status of " Debt included in or discharged through Bankruptcy Chapter 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 non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/2020 I noticed my credit score went down significantly. When I looked into it, it showed that I had a delinquent account with Barclays Bank Delaware. Shortly after, I contacted the company and thought I had resolved the issue. Basically I had been charged two dollars and some cents for an XXXX in XXXX. I knew this transaction was impossible since I had not visited the country. The company said they would report it as fraud and everything would be taken care of. The company stated it would take 40 to 60 days to reverse the charges that were made out of the country and fix my credit score. Two months later my credit score was still extremely low ( Almost 100 points lower ) and the account continue to accrue interest. When I called back, the company said it would only take a few more weeks to come off my credit score and reverse the charges. Flash forward to XXXX and my credit score is still being affected and now Barclays is saying I owe over {$200.00}. I have contacted the company multiple times, spoken to many supervisors and specialists, and the company has not changed anything.

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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I received a surplus check from my escrow account on XX/XX/XXXX for the sale of my home from my then mortgage company, Ditech Financial ( which is attached ). Unfortunately, Ditech addressed the check to both myself and my deceased husband, so along with moving it wasn't until the following summer ( XXXX ) when I came across the check and tried to cash it at my new bank. I was told I could not deposit it since my deceased husband 's name was listed, and called Ditech on XX/XX/XXXX. I was told that a new check would be re-issued in my name only and to allow 10 business days to receive it. However I never received it and called again in XXXX only to find that Ditech had gone bankrupt. My daughter and I have spent many hours calling different companies and assistance bureaus to try and find a way to track down this money as it is not an insignificant amount ( {$2600.00} ) but to avail. Most recently I contacted the XXXX XXXX XXXX XXXX and spoke with Ms. XXXX XXXX who had reached out to XXXX   on our behalf as they had acquired existing mortgage accounts. But given that when Ditech went out of business I was no longer a customer, they have no record of me and this account in their system. I am very much hoping that someone at the CFPB could assist in some way, I would be forever grateful to be able to get a new check reissued. I understand that I waited some time to get on top of this but I was going through a lot with my husband passing, the move, etc and I dropped the ball. I am still holding hope that this will be resolved. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I have submitted a complaint and you are doing nothing to help me. This company is stealing from people like me on a fixed income and they doubled by interest rate in one month there should be laws against this. I thought you were here to help the consumer but I see not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the reporting of my student loan on all three credit reports, TransUnion, XXXX, and XXXX The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.

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 2020-08-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the reporting of my student loan on all three credit reports, XXXX, XXXX, and Equifax. The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was flagged as having a delinquent account with the Golden 1 Credit Union for a joint credit card under another member, XXXX XXXX XXXX XXXX. This account was under his information and we were no longer in contact for over 4 years before the account was put into collections for non-payment. I was never contacted regarding outstanding payments for this account even though I have an account with the Golden 1 Credit Union and had my email, phone, and living residences on file. 

I only found out about the delinquent account when I received an official credit report which showed the damaging effects that it had on my credit score when trying to purchase a home in late XXXX. Throughout the mortgage/loan process I reached out to the Golden 1 Credit Union multiple times and they said that they would look into it and eventually someone at their call center said that the case was closed and the flag removed, that was in XXXX XXXX. I also followed up with the debt collector that the account was sent to and they also said that the issue was resolved. I checked back in XX/XX/XXXX and it still shows the delinquent account, it is still hindering my credit score from improving appropriately. 

I filed a dispute request through XXXX in XX/XX/XXXX and there was no change in the issue at hand so it said to go through this site for next steps. 

I'm looking to get this removed from my account, credit report, etc so that I can financially move forward without the damaging effects from another person continuing to hinder my credit.

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 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hello PORTFOLIO RECOVERY is damaging my credit reports by publishing this ( attached ) accounts which statute of limitation passed. 

Our ( my family ) economic situation because of Covid-19 is dire. I need to clear my credit of negative accounts. 

PORTFOLIO RECOVERY has no lawful right on this debt because XXXX XXXX discharged this account with the IRS and now I awe taxes on the debt, on top of that the statute of limitation to collect the debt has already passed. 

They refused to remove this collections from my credit and I don't know what to do. 
They're operating un fraudulent processes and it's abusive to consumers. 

I hope you can help me remove this 2 collections from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a capital one credit card. Due to COVID19 I have been laid off. 
My credit card payment was late. I called and requested a goodwill adjustment they refused. I have a good payment history and due to this late payment my credit score took a hit. Ive already paid the full balance of the credit card, and I am requesting that it be taken off of my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash App took my son 's money when he activated his card. This happened at XXXX XXXX on XX/XX/2020 when I was added to the call. Trying to calm him down, they got into my account and I had {$700.00} on there that I forgot was paid to me by my clients. I try not to use Cash App but that is what they had. They took my {$700.00} then went into 3 ( three ) accounts two at one bank and the other at another bank and tried to take out several dollars from. One account they tried to take XXXX in six different transactions, the 2nd account they tried to take {$250.00} and the 3rd account at a different bank they tried to get {$250.00}. I have notified my banks and filing fraud charges against Cash App. They have been texting me and calling me continuously but I am not answering their calls. I filed a report the the local police department here and I am filing a cw3 with the FBI Internet fraud. These people tried to take more than {$1500.00} from me and I am not sitting down likely with this. Cash App needs to investigate and see who is in their system scamming their clients. I have been told today of several people that this has happened too but no one knows what to do. It is time to STOP this and we are going to MAKE A CHANGE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

Company response to consumer: Closed with explanation