vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2023 I applied for a consumer auto loan with usaa savings bank. I was denied because of a credit score with is not valid reason to deny my right to credit. I used my social security card name and birthdate on the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
All 3 bureaus failed to follow proper credit reporting procedures and laws throughout my past 3 months in the disputing process. On XXXX I sent certified mail disputes to all 3 bureaus regarding inaccuracies on my credit reports. Please see the attached document for more information on what went wrong. Here are the tracking numbers and evidence. 

( XXXX XXXX XXXX XXXX XXXX ) to Experian XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX to USPS Certified Mail, XXXX, XXXX, and Experian received notice of my XXXX dispute on these dates below XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX pm Experian After receiving notice of my XXXX XXXX XXXX Consumer Solutions removed the XXXXXXXX XXXX Account XXXX from my credit profile on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. I did not receive notice of this within the XXXX business days as required by the FCRA section 611. 

Similarly, XXXX XXXX XXXX XXXX, received notice of my 1st dispute and removed the fraudulent XXXXXXXX XXXX Account on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. Again, I did not receive written notice of this within the 5 business days as required in the official FCRA 611 section. This is a violation of my rights and the account needs to be deleted off my profile immediately because of it and the inaccuracies pointed out. 

Experian did the same and failed to follow proper FCRA credit reporting procedures. The XXXX Bank account XXXX was re-verified and is still affecting my credit today. 

Alongside this, all of the companies did not provide me with any of the information I requested such as the proof and evidence that was used to verify the XXXX Bank account. I requested the investigation information very clearly in all of my disputes. Nonetheless, all three Experian, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, all failed to provide me with the information I requested. It is my right under FCRA consumer law and I am utterly shocked that all XXXX of the companies can not keep it together. 

Again, please see the attached document for more explanation of what went wrong.

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I closed my credit card with TOTAL CARD VISA on XX/XX/XXXX over the phone. I paid my credit card bill in full prior to closing it. I spoke with a representative named XXXX who helped process the closing. I was told over the phone that the monthly fee of {$6.00} and annual fee of {$48.00} were refunded/waived. I paid a total of {$310.00} ( including the waived annual and monthly servicing fees ). After being waived, my account online now shows my balance is negative {$54.00} ( {$6.00} + {$48.00} ). I was also informed that a refund in the form of a check will be mailed to me. All of this happened on XX/XX/XXXX. I was never given a timeline on when I am going to be receiving the refund/check. It is now XX/XX/XXXX and I have yet to receive any refunds from TOTAL VISA. I had called numerous times and had been repeatedly told the check will be mailed and has not been mailed yet. I have attached a screenshot of my statement showing the fees I paid, their reversals and the total amount of what I paid. 

Name of credit card company : TOTAL CARD VISA ( XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PACIFIC PREMIER BANCORP, INC.
State: LA

Complaint narrative:
I was informed by credit-wise credit through my bank that a credit card had been opened in my name using my SS #. I contacted the credit card bank, Premier Bank, and was told by one of their representatives that an account was opened in my name using my SS # but the card was mailed to a different address. I informed the representative that I did not open an account and wished for the account to be permanently closed and was informed they would handle it. I also contacted XXXX 's XXXX XXXX company and filed a claim with them. I was assigned a representative to handle my claim. We have been communicating with Premier Bank Credit Card since XX/XX/2023 to solve this issue. I have signed and returned copies of the affidavit of unsolicited credit card statements along with copies of my DL and contacted the company by telephone to try and get this issue resolved but still have not been able to get it settled. 

On Thursday, XX/XX/2023, I received a call from Premier Bank indicating that the payment for the credit card is overdue and I'm responsible for it even though I'm disputing opening the account and was told I needed to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-11-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veripro Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  send us a notice recently dated XX/XX/2014 stating they were the new lender for the second mortgage. And that they will be contacting us where to send second mortgage payments. We never received any correspondence from them period about making mortgage payments. They alledged they send over XXXX correspondence that not true to us. I am asking them XXXX XXXX to provide copies of the correspondences, Also for them to provide to us are they a debt collector or a actual lender with their NMLS Number and a copy of the note recorded by XXXX XXXX on our property. Also requesting the Register Agent for XXXX XXXX to negotiate a reasonable settlement. I am asking CFPB to have the Federal Trade Commission to look at XXXX XXXX abusive collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
I have called the company twice in XXXX and yesterday to have them stop calling me as I have no debts to settle. They were asking for another person but my number was listed for that individuals. They leave voice messages and repeatedly call. 

I asked to have them take me off their call list. 

Zwicker and associates law firm for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I after several attempts to resolve this situation. They are still reporting. I am currently paying child support to the state of XXXX  XXXX. My ex-husband took a XXXX  order to XXXX  and filed for child support on the same child that I'm already paying and current in XXXX  at the same time as XXXX. XXXX  should contact Texas before stating that I owe them the money. Otherwise my ex-husband could take the XXXX  order to all XXXX states and try to get child support from XXXX states on the same child. Please completely remove any reporting for child support off my credit report.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 usc 1681 e b all information reporting to someones credit report must be accurate or shall be removed immediately *Account says it was opened on different dates *Date last report is different

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 usc 1681 e b all information reporting to someones credit report must be accurate or shall be removed immediately *Account says it was opened on different dates *Date last report is different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX has a bill for {$400.00} that is not for me and is in Amsher Collections. Since this bill is now in collections, it was showing on my credit report throughout each bureau. When calling both Amsher Collections and XXXX XXXX, they confirmed that the DOB on file is my fathers but has my SSN attached. My father for a fact does NOT know my SSN and this account should not have been activated if they properly did a credit check on my father. In order to get this disputed, XXXX  protocol required to submit a request for an identity fraud claim on their site. Afterwards, I will be contacted by an investigator within 30 days. It is almost 30 days and when checking on the status of my report, no one was able to provide me with an update. Furthermore, no one provided me with a number that I can call to check in with the investigation department. Keep in mind, I filed the report on THEIR website. Till this day, I have yet to be contacted by an investigator that can help in this situation. During each phone call I had with XXXX prior to filing, I made it clear that this was a mix up in which this debt is for my father and not me. I myself, has NEVER had services with XXXX XXXX and the lack of help that they are giving me is unfair and harming my credit. I provided necessary documentation to XXXX XXXX when filing my complaint. 
Additionally, XXXX the Credit Bureau out of all other Bureaus is refusing to help in this situation too. So far I filed a total of 3 disputes with them and each came back with the same result, " verified as accurate '' within 3 business days MAX. Commonly known, if someone was to file a dispute, the investigation would take a total of 30 days. If properly investigated, you should expect your results by the 2nd or 3rd week from filing. Even after providing documentation, XXXX was the ONLY bureau that is verifying this mix up as accurate. Which causes me to wonder if they are actually doing their due-diligence and investigating the situation. When asking about my IDs, they stated that one was legible and the other hard to read. However, both IDs images were sharp but XXXX was the ONLY Bureau to deny this claim. How is this possible if I provided the same IDs to other bureaus without this problem?? 
Please help me in this situation because this is unjust and should be a simple solution. This is highly frustrating as I am getting mistreated by XXXX XXXX  Amsher Collection Services, and XXXX Credit Bureau! I can provide as much information as possible if needed, thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
On XX/XX/XXXX I attempted to access funds in my Apple Card Savings account. The request was denied. When I call to speak with their Specialist they told me they have to right to deny any transactions, at anytime, without explanation. I have never encountered this EVER. I would like all of my money out of the account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item 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 first investigation and subsequent reinvestigation, 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 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. XXXX XXXXhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation

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