vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 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: WI

Complaint narrative:
1. On or about XX/XX/2018, the Libellant sent a Credit Dispute : Demand to Remove and Delete Unverified Accounts/items/inquiries to TRANSUNION LLC. This notice was sent by USPS Certified Mail # XXXX XXXX and was delivered on XX/XX/2018 : Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. Despite prior two written requests, the unverified items listed remain on my credit report in violation of Federal Law. As a matter of law, TRANSUNION LLC was  required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct. TRANSUNION LLC did NOT provide me a copy ofANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( l ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore TRANSUNION LLC have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). TRANSUNION LLC  did not comply under Section 611 ( 5 ) ( A ) of the FCRA? by promptly deleting all information which can not be verified. Pursuant to Section 616 and 617, the law is very clear as to the civil liability and remedy available, and the libellant fully hereby enforce my rights under the FCRA. 2. On or about XX/XX/2018, the Libellant sent a NOTICE OF PENDING LITIGATION to TRANSUNION LLC. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/2018. Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. As a matter of law, TRANSUNION LLC was required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct.

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2019 I applied for a XXXX Business Store Card for my company XXXX XXXX XXXX XXXX. The application came back as a decline. On XX/XX/2019 I called into XXXX Underwriting and spoke with a representative about my application. I requested a reconsideration of that application. The representative from the credit department said they could not rereview the application until I received the decline letter in the mail explaining the reasons for the decline of the application. I waited patiently until XX/XX/2019 to receive the letter in the mail. On XX/XX/2019 I called into the business credit department to ask for a reconsideration of the my application as the letter only stated the decline reasons were " credit history of personal guarantor ''. I spoke with XXXX and he put me on hold. XXXX came back after a couple of minutes and said he tried really really hard because I have a good credit score and credit history to approve my application but unfortunately he was not able to. When I asked why, he said for the reasons listed on the decline letter, which is confusing as it does not provide detail. Being that he could not explain the decline reason and told me my credit score was good and my credit history was good, I asked to speak to a supervisor. The supervisor XXXX XXXX indicated that nothing could be done because I had to call in within 24 hours of applying for the business card for them to manually review. I explained to XXXX that I called in within 1 hour of applying for the business card and one of her employee 's instructed me that I had to wait until I got the letter to request a reconsideration. XXXX then said " even if you called in within 24 hours it doesn't mean you would get approved ''. I asked her what my options were at this point. She said I could dispute the decline or apply again. I asked her how I would dispute the decline. She said I would have to get an attorney to dispute the decline. When I asked her who the attorney would contact to do the dispute, she indicated that the attorney would know all of that. Essentially indicating that I would have to get an attorney to sue Synchrony to dispute the application, which does not seem right. She just kept telling me to get an attorney.

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 2019-02-09 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 disputed a fraud on my credit report through XXXX XXXX .I contacted u all and it was deemed fraudulent after u guys investigated it.I sent a copy of the message I got from the CFPB and sent it to Transunion and they are saying after their investigation its accurate.The acct was XXXX XXXX   which was sold to 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 2019-02-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has subsidiaries, notified Transunion that the CFPB investigated the issue and that it was found to fraudulent but Transunion has found the acct as correct,

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 2019-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: GA

Complaint narrative:
I was laid off and I tried to contact Lending Club by phone but could never reach them I email them and they never responded. Then collection companies started calling me at all times of the day and night they kept asking for my personal information and I never heard of these companies. I have sent them some funds and emailed lending club too see if they could reduce loan. Lending club never responds. I have not received any mail only phone calls from companies that want my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ok so i send out a letter to the company XXXX XXXX XXXX XXXX XXXX ... ... debt is Not recognize by me. they have send letters to come a agreement but i just ignore them. The debt aomunt is XXXX and the date goes back to XX/XX/12. so i aslo send letters out to Transuion/ XXXX /XXXX. So on my credit report the olny one that still show up on debt is Transuion. The rest of the reports the debt was erased. i need help for this debt dose not show up on my credit report no where/ Transuion.

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 2019-02-09 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: NC

Complaint narrative:
XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.

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 2019-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: HI

Complaint narrative:
In XX/XX/XXXX I took out a loan with XXXX for {$500.00}. During the process, it was required that I set up auto-draft which was done for {$72.00} which included a {$21.00} payment towards loan and {$50.00} towards a " savings account ''. The initial payment was processed but as I was monitoring my account, I noticed that the payments were not being drafted. In XX/XX/XXXX, I called the company and addressed the situation, they blamed it on my bank and not their system. I called my bank ( XXXX  XXXX XXXX ) and they reported that there had never been attempts to withdraw from this company. I called them back and made a payment via debit card. At this time I set it up to auto debit from my debit card. Again, they were not drafting. This time, They reported 60 days late on my credit. I called them back made payment and asked them to remove the incorrect reporting. In XX/XX/XXXX, they agreed to close the " XXXX XXXX '' account and agreed to remove the incorrect negative. I again agreed to make payments from my debit card for the loan only. Once again, they did not make any drafts. I called again, asked to speak with a manager and was told that I would receive a callback. This was in XX/XX/XXXX.  No response no payments. Today, the account was once again reported as negative. There is a whole facebook page ( XXXX XXXX XXXX ) with 100 's of complaints about erroneous credit reporting, trouble making payments, not being able to pay off balances, poor customer service, and conflict resolution etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: WA

Complaint narrative:
*** PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! XXXX   XXXX XXXX & XXXX, XXXX XXXX XXXX. XXXX/XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites ! but both show different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: OH

Complaint narrative:
I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

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 2019-02-09 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: OH

Complaint narrative:
I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I received communication from a credit bureau that my account was closed. i had not received any notification from the credit card company. I called & was told it was closed for inactivity & that a letter had been mailed XX/XX/2019. i have not received any correspondence as of today XX/XX/19. I verified that my contact information was correct. The bank that has the credit account is XXXX XXXX, and I have had problems with them once before with a refund they owed me last fall on a different account ( which they finally sent, twice ... .the 2nd refund was returned ). 
What is the course of action when there is no notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NC

Complaint narrative:
XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: NC

Complaint narrative:
XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.

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 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft. A police report and FTC report was sent to XXXX, Transunion and XXXX detailing the fraudulent accounts and information that needed to be removed from my account. This was sent certified mail XX/XX/XXXX. All three credit bureaus deleted the fraudulent accounts in XX/XX/XXXX after speaking with them last week XX/XX/XXXX and again this week after reviewing my credit reports. While reviewing my reports I noticed that they removed several of my accounts that were in good standing and was not apart of the police report or the FTC report. I told them they removed accounts that were not fraudulent and was told that they removed all accounts if they reported at any time with the address associated with the fraudulent accounts. I advised them that was not correct and to place my good standing accounts back on my account. I called again today to XXXX   in particular and was lied to this time and told my bank told them to remove it which is not true because I spoke with all of the creditors and they all said the information is being sent to the credit bureaus. I asked to speak to a manager and was told I could not speak to one and I could go into a voicemail and someone would call me back, which is another lie because no one ever calls back from any credit bureau. My good credit accounts were removed without my permission and they choose to keep on the accounts that showed any type of late payment that they felt might be correct.

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 2019-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Because Gold Key Credit were ordered to stop operations in the state of Arizona for operating a collections agency without a license and to pay a civil penalty of {$10000.00} in XXXX I am concern about their actions as it relates to this alleged account. 

On XX/XX/XXXX, I received a message from XXXX XXXX and XXXX XXXX through XXXX, the debt I allegedly owe was reduced {$1000.00} Down to {$0.00}, however when I called to confirm, they stated that I still owe the alleged debt. 

Once I gave her the information required through her questioning, she said do I know why my mail is being returned from that address. Then she reaffirmed her statement by saying what I am trying to say is we are trying to mail to this address and your post master is sending back that I don '' t live there. 

On XX/XX/XXXX at approximately XXXX XXXX, on a recorded line, Gold Key Credit Inc. used misleading information alleged that the postmaster is sending back their mail and that I don't live at the address. Then she said that you are advising me that this must be an error and this is your current mailing address. I never stated anything about my address being an error. 

Then when asking her why did they reduce the amount from {$1000.00} down to {$0.00} she said they did not reduce the amount and the balance is still owed, however XXXX admitted other phone that, that information came directly from the creditor XXXX   XXXX XXXX/Gold Key Credit back on XX/XX/XXXX. And I saw written prove on XXXX and XXXX XXXX which is attached to this complaint Then she said that validation was sent of XX/XX/XXXX, but she just said that postmaster said that I did not live at that address so how is this possible. And her response was we cant be accountable if the mail was return, however I have 3 responses from that they sent through the mail. She also stated that I have a cease and desist on my account and they are not going to be sending me anything. I explain which I am sure the agency knows the validation specifically state only to do written correspondences which is another misleading statement. 

I inquired as to why they decreased the debt down to XXXX  and she stated that she did not notify the credit bureau that your balance was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Greetings, on XX/XX/2018 I contacted navy federal to let them know that they have been some charges on my account by a company named XXXX and they temporarily credited my account. On XX/XX/XXXX they reversed the charges stating that they was no errors and as I am typing another agent is telling me that why I dont dispute the other charges on my card. So irrelevant to what my issues are. This is not the first time navy federal has done that to me and now enough is enough, they state that they protect service member but instead they are protecting companies that are taking advantage of customers. 
Now mind you I was in the hospital having a XXXX XXXX  XXXX XXXX and after I got back home Ive been in bed and having XXXX  at home. This company is the worst and I need help on resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation