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: 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: MA

Complaint narrative:
I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

If you do not have any documentation in your files that verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At best, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please remove these accounts you didn't verify Under FCRA LAW : I DO NOT CONSENT TO E-OSCAR OR METRO 2 COMPLIANCE VERIFICATION XXXX XXXX XXXX XXXX XXXX point mtg XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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: 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: MA

Complaint narrative:
I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

If you do not have any documentation in your files that verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At bes
t, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please remove these accounts you didn't verify Under FCRA LAW : I DO NOT CONSENT TO E-OSCAR OR METRO 2 COMPLIANCE VERIFICATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
they ssold my debt without my consent. now another company has a hold on my personal information, and now reporting incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been sending out letters to the bureaus and have not heard back. I sent several letters over the last 5 months and have received no letters or updates on my credit file. I will attach the letters on this complaint but there have been several others.

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: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
For several months I have been writing to XXXX and Exeter about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called Exeter Finance and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called XXXX and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by Exeter Finance or XXXX XXXX XXXX so quickly with the bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
To whom this concerns, I initially fell behind my mortgage loan in XX/XX/XXXX because the company that I'd been working at for 8 years at the time got sold to another company and I was laid off. I searched for work but remained unemployed for 4 months thereafter. I finally found work in XX/XX/XXXX but was once again terminated shortly after in XX/XX/XXXX. I found another job in XX/XX/XXXX and shortly after, my husband 's health began to decline, which required me to pay close care and attention to him and also caused a strain on the limited amount of income we had coming in. I remained employed through my husband 's illness but he unfortunately passed in XXXX of XXXX which left me to pay for past due medical bills and funeral expenses which left me unable to meet my financial obligations. This journey has had an extreme emotional and financial toll on me and I have been working through it all to try to resolve the debt. I have submitted a full and completed short sale application to my mortgage servicer, and even though they offered me a short sale as recently as XX/XX/XXXX, they have refused to accept my application and still want to move forward with foreclosing. I have been through so much in the past 3 years and I don't want a foreclosure on my credit to be another thing that I have to deal with. I am working my hardest to get this resolved and need the auction to be postponed or cancelled so that I have the time needed to get through this process. Please help me.

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: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Aspire Master Card sent my account to collections {$1200.00} I settled the account with XXXX XXXX XXXX for less than that leaving a balance of {$280.00} and they will not XXXX  out the account and still show a balance, This account has been closed for over a year. I have reached out to XXXX  and XXXX  3 times in the last 5 months regarding this issue and even though I send them my identity documentation and a letter of satisfaction from the collection agency called XXXX XXXX XXXX, they don't do absolutely anything about it and in particular with XXXX, a lady was rude and tried to lecture my on past disputes. I just want Aspire to honor the letter of satisfaction and XXXX out my account and report a XXXX balance to credit bureaus but everyone seem to be making it impossible when I call Aspire they do acknowledge all payments made through XXXX XXXX XXXX  however, they say I still owe them {$280.00}. Why is Aspire not honoring my settlement from XXXX XXXX? Crooks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: CA

Complaint narrative:
they ssold my debt without my consent. now another company has a hold on my personal information, and now reporting incorrect information.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry: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: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XX/XX/2021 I entered the Bank to close my account. The girl at the desk said she would help. So as she's talking to me she keeps asking me if I'd like to speak with a banker. I said no, I simply want to close my bank account. She asked why, I told her, So she kept trying to ask me financial questions. Are you looking to buy a home? What are your financial goals. Again, I told her JUST CLOSE MY ACCOUNT. After 15 minutes of probing questions she finally closed my account.

I find out later that day by XXXX  that she did a credit inquiry without my consent. I went back to the bank to get her information.

It was completely deceptive to run my credit without my consent. ALL I asked her to do was close my account which only takes 2 minutes.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am contacting you today because I am a victim of Identity theft, my life is in a place where I never thought it would be. Recently I did not know about how to handle this fraudulent account with XXXX that someone frauded me out of for {$5000.00} with that company. The company then sold it to another company as a collection and they've been harassing me and my family, coming to my home and calling me nonstop. Now I contacted the original creditor and they fraudulently sold the debt without telling me or contacting me to let them know that the account was fraudulent or going to be sold. Now as a consumer with your company im suppose to be protected from all fraud that takes place. I am not asking, you must abide by the law and this account has to come off. According to the FCRA all fraudulent accounts must be removed within 4 days or you are in violation of the law. Ive read up on multiple sites that you guys try to go around the rule and verify that the debt is inaccurate, but all my information was stolen so ofcourse they will try to verify because they think its me. This is not my debt but I am suffering for it do not let XXXX XXXX lie to you and say that its me. Do not let the criminals get away with putting this debt on my name. I want justice for me and my family. Im attaching my FTC report, state id, Identity theft affidavit, and proof of my address.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a complaint against XXXX  and Experian, not XXXX. I had tried to go through the normal chain of commands by filing a credit report dispute on a closed/paid XXXX credit card that was charged off and is reporting negatively on my credit. After not yielding a justifiable response, I had filed a 609 dispute on XX/XX/2021. As per my understanding, this is a right afforded to me via the Fair Credit Reporting Act under section 609. Upon receiving my results, I was not provided with the documentation requested that validates my ownership and/or history of this account. This prompted me to file a CFPB complaint on XX/XX/2021. I had requested the same information from my original 609 letter dispute. I wanted to be provided with my wet ink signature on the alleged new credit card application, which shall also include my social security number and full legal name, or at the very minimum, what is being used to validate my ownership of this account. Instead, the CFPB was provided with a BALANCE letter from XXXX. This letter was dated two months before I filed a complaint ( XX/XX/2021 ). This balance letter states that my alleged account has a XXXX  balance. It contains no information validating the legitimacy/ownership/derogatory history of this account. This letter was uploaded to the CFPB portal and the complaints against Experian and XXXX  were closed. Had the bureaus verified the documentation provided to them they too would see nothing more than a letter saying I have a zero balance.

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 — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
FCRA VIOLATIONS : XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$7900.00} written off. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$800.00} written off. {$1200.00} past due as of XX/XX/XXXX.

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a Kohls Store Credit Card ( administered by CapitalOne ) which I have been unable to use because of COVID situation and my own financial situation. Apparently, the store closed the credit card without sending any warning notifications or communications. But they have conveniently reported it to the Credit Agencies as closed account. After calling Kohls they described a policy of 24 months non usage leads to automatic closure by system and can not be reissued. Thereafter, suggesting to reapply for card. In these special circumstances which is affecting others as well apart from me, the store acted unfairly, and in a dishonest manner in closing the account without giving prior notifications.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am following up an ongoing dispute, Transunion response is that they are " unable to locate credit report ''. My consumer credit report is reporting negative items from Transunion. This dispute has been going on since XX/XX/2021, please have them remove the negative items.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Capital One Financial Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

Company response to consumer: Closed with explanation