vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: MA

Complaint narrative:
This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$220.00} or my account was charged off {$220.00} ] .This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After obtaining the method of verification from all three credit agencies, in which they all said XXXX  XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit 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 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Monday, XXXX. 
I got a text which I did not understand and an email saying that someone attempted to access my account. 
Case # XXXX - Compromised account created by Coinbase. 
Until now, no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After obtaining the method of verification from all three credit agencies, in which they all said XXXX XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit 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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After obtaining the method of verification from all three credit agencies, in which they all said XXXX XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I opened an account and they continue to charge me outrageous amounts of interest and return check fees even though my checks were never returned!! I spoke to a customer service representative who told me that my account was clos ed and that it was a mistake and so that it was on there and but there was no way they could fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NY

Complaint narrative:
Hello my name is XXXX XXXX. I recently checked my credit report and was able to see a bunch of fraudulent actions taken in my name. I saw numerous fraudulent accounts as well as inquiries on my credit report. This is frustrating because I never attempted to get any lines of credit with these companies, and now this fraud is hurting my credit score. I am very frustrated at the fact that I have tried to resolve this many times. I will place the items I want removed below along with an FTC report and proof of ID.

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 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Someone used my XXXX XXXX to conduct international foreign exchange, which caused my property loss, and conducted foreign exchange through two different bank cards. This fraudulent person used different foreign exchange applications to fraudulent foreign exchange from two bank cards, respectively. I used XXXX XXXX, XXXX, and XXXX. I separately reported fraud to two financial institutions By XX/XX/XXXX. Discover Bank has updated my unauthorized amount to my bank account and helped me replace the new bank account and bank card. The fraudulent amount was {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NY

Complaint narrative:
Hello my name is XXXX XXXX. I recently checked my credit report and was able to see a bunch of fraudulent actions taken in my name. I saw numerous fraudulent accounts as well as inquiries on my credit report. This is frustrating because I never attempted to get any lines of credit with these companies, and now this fraud is hurting my credit score. I am very frustrated at the fact that I have tried to resolve this many times. I will place the items I want removed below along with an FTC report and proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I attended Sumner College back in XXXX. I currently owe approximately over $ XXXX. I did not complete the college course because the college discontinued the program. They had mentioned that I would be able to transfer my credits to another college. When I tried to transfer over to another college they weren't able to transfer my credits. I had no choice but to start over and get a new loan at XXXX XXXX XXXX in XXXX. 
now in XXXX, I am having really difficult time trying to pay this loan that I didn't get anything back on and still have to pay my other student loan where the program was also discontinued. job is hard and I am now in forbearance and I talked with company to see if they can help me and I have had no luck with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Received a text notification that looked like a BofA Fraud Alert. It asked to confirm a transaction for XXXX at XXXX # XXXX - Y or No Text came @ XXXX - I responded " no '' @ XXXX XXXX. They responded @ XXXX XXXX " Thanks for confirming we'll call shortly @ XXXX XXXX XXXX The text came from XXXX XXXX XXXX. Everything looked like an authentic BofA Fraud text. They called and BofA showed up on caller ID, they asked some Q 's to confirm my identity name & email address. Then they asked me about the transaction ( have I been to Texas or was I at the XXXX ). The rep told me I needed to secure the account to prevent fraud. He told me to login into bank app and go to XXXX. Asked me for an email not linked to my bank account. I gave the XXXX they then asked me to confirm the verification code sent to my email. I was at work on a break I used and the rep created a sense of urgency. The rep had me add my XXXX XXXX XXXX account to XXXX and told me to put my first and last name to confirm it. He told me to pt down {$3500.00} down and to write " XXXX transaction reverse '' They had me believing I was reversing a pending transaction. After it was done they asked me to hold and after about 5-10 minutes I was hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 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: CA

Complaint narrative:
Dear CFPA, I previously filed a complaint with you in regards to my mortgage lender, XXXX XXXX XXXX. 
XXXX reported me delinquent to the credit agencies even though I never missed a payment and fulfilled all their requested obligations. After my filing XXXX responded and admitted that there might have been a " misunderstanding '' due to the transfer in servicing in their company. They corrected the inaccurate reporting on my credit with XXXX  and XXXX  but left the incorrect negative reporting on my Equifax report. 
My loan officer just pulled my credit report and XXXX has me still reported as late for XXXX and XX/XX/2021 on my Equifax report. After reviewing my payment history, I realized that I paid my full repayment plan amount of {$11000.00} in XXXX, and in XXXX the reduced amount of {$9900.00}. However, my Equifax credit report shows me late for both mentioned months which is totally inaccurate. Please let me know how to proceed with XXXX in this matter. Thank you very much. With best wishes, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
Dear CFPA, I previously filed a complaint with you in regards to my mortgage lender, Citadel Servicing Corporation.

Citadel reported me delinquent to the credit agencies even though I never missed a payment and fulfilled all their requested obligations. After my filing Citadel responded and admitted that there might have been a " misunderstanding '' due to the transfer in servicing in their company. They corrected the inaccurate reporting on my credit with XXXX  and XXXX  but left the incorrect negative reporting on my XXXX  report.

My loan officer just pulled my credit report and Citadel has me still reported as late for XXXX and XX/XX/2021 on my XXXX  report. After reviewing my payment history, I realized that I paid my full repayment plan amount of {$11000.00} in XXXX, and in XXXX the reduced amount of {$9900.00}. However, my XXXX  credit report shows me late for both mentioned months which is totally inaccurate. Please let me know how to proceed with Citadel in this matter. Thank you very much. With best wishes, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: CA

Complaint narrative:
I have disputed many times with XXXX  about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2021 - I ( we ) have ben with Wells Fargo for many years. Up until now they seemed to be good to us, just a bank I guess. Recently I ( we ) sent money to our niece. This wasnt the first time and we have never had a problem using XXXX before. So we sent her {$500.00} I couldnt get ahold of her to confirm if she received it. When I did get a hold of her XX/XX/2021 to confirm she said she did not get it. So I called Wells Fargo and they opened a case. Case XXXX. I was told it looked like it was complete but something was not right, it was pending for some reason. I was told it could take up to 12 days to investigate but should only be a day or so. So I thought I would delete my niece and add her back in, sometimes this works for other stuff. So I did. Still nothing in my nieces account. I called back and was told it might take 12 days. I waited and called back in 12 days XX/XX/2021. I was told the case was closed, the transaction was processed as requested. NO, NO it was not. My niece still did not have the money. The case was reopened and I was told it could take another 12 days. I feel like I was being put off. When I called the lady on the phone treated me like I was doing something wrong and wanted to talk to my husband. Neither one of us was very happy about that. She kept saying the email address the money was sent to was not the email address we could see on our end. She said the money went to a different email address than what we told her, so I took a picture with my cell phone even though my husband read her what we were looking at she kept telling us that is not the address she was seeing, so again we waited another 12 days only to get a letter stating the case was closed again. This isnt right, its not {$25.00} dollars, its {$500.00}. Wells Fargo basically told me to try to get it back myself. I did send an email to the address she said the money went to and requested the money back. I did not get a reply. I knew I wouldn't, but I tried. My niece has since closed her Wells Fargo account. n Once this is all settled, we will 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 2021-07-29 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: IL

Complaint narrative:
I have sent out two letters to transunion but have not received any responses. Please comply with my letters

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 2021-07-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a recurring subscription for XXXX that was scheduled to renew on XX/XX/XXXX at the price of {$17.00} but the subscription was cancelled on XX/XX/XXXX and the credit card should not have been charged. However, XXXX charged my card anyway one day before it was set to renew automatically. XXXX was contacted and said they would refund the payment but the refund was not issued. I filed a dispute with Capitalone but have not received a response. 

I expect to see a refund of the {$17.00} that was charged to my Capitalone Mastercard ending in XXXX on XX/XX/2021. I am attaching the cancellation confirmation received from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 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, there are unauthorized inquires reporting on my credit report

Company response to consumer: Closed with explanation