vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I wrote to Oportun ( formerly known as Progreso ) at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both XXXX  and XXXX  on XX/XX/XXXX and never received a response. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed several requests for XXXX  XXXX  and Transunion to remove a fraudulent item from my credit report under the name of XXXX XXXX  XXXX  and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  XXXX  and Transunion  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX  XXXX  and XXXX  XXXX  XXXX XXXX and Transunion clearly stating that I did not open or authorize any account from XXXX XXXX  XXXX  and XXXX  XXXX  XXXX. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account

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 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report, when purchasing a vehicle. checked to find I was a victim of I.D . theft I filed a report. With F.T.C. and local police. And sent all to C.R.A. and usaa credit card account still remains in my report. I tried to get it fixed, but was denied due to it already investigated. after some time I was told by XXXX, XXXX  and XXXX  credit reporting agencies Fraud department that USAA reported to them that they had proof that I opened the account. Account Info Hover over labels for more details Account number XXXX account status Closed Date XX/XX/2020 opened XXXX Account type Credit Card - Revolving Terms. I have never opened an account with them. I need this resolved and removed from my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I got a message on my voicemail that said I was going to be " processed '' at my work and pursued legal action against if I wasn't going to contact these people about this debt. So I called the number they left on the message back, gave them some information and they told me about a debt for roughly {$3200.00} that was from a XXXX credit card. When I asked more about the situation they said that if I was not willing to settle the debt that I would be charged and they would garnish wages up to {$7000.00}! So I said that is absolutely insane as I don't remember ever having a Citi Bank credit card, and they agreed to allow me to settle the debt for the original settlement amount from XXXX for {$1200.00}. I agreed to pay this fee and then I looked up the company and it does not seem legit! I got a receipt from them via email and also had to sign an agreement about the payment of which I still have the PDF for.

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 2021-02-04 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: NJ

Complaint narrative:
I was not updated or notified on the status of my 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 explanation
Consumer complaint received 2021-02-04 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: CA

Complaint narrative:
I recently, submitted a dispute to Transunion about the way XXXX XXXX is reporting on my credit report. On, XX/XX/XXXX, I received a response back from Transunion stating that JXXXX XXXX  has CERTIFIED AND VERIFIED the information to be " Accurately '' reporting. I'm confused as to how this account could be VERIFIED AND CERTIFIED TO BE ACCURATE when there are several errors in the way this is being reported : 1 ) Transunion reports that this account was closed " XX/XX/XXXX '' this is totally a contradiction to how it is being reported in the " Payment History/Rating ''. Payment History clearly shows that this account was open in XXXX and did not close until the latter of XXXX. Secondly, Transunion reports that the " High balance '' on this account is {$1400.00}. This totally confuses even the most expert because the credit limit is {$1500.00}. How could the Highest balance be lower then the credit limit? Next, Transunion fails report the Date of First Delinquency which is required because it helps to identify the purge date. This all leads me to believe that Transunion did not conduct a reasonable independent investigation. Using XXXX or parroting what a creditor says is not satisfactory for an independent 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 explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
i asked for detailed information with my signature etc, i have still not received any documents, and company continues to call me and my job on a regular basis after i asked them to send me information about this and to stop calling my job, and send me the information to my home address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wrote to XXXX ( formerly known as XXXX XXXX at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/XXXX credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both XXXX  and Transunion on XX/XX/XXXX and never received a response. 

Please investigate.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote to XXXX  ( formerly known as XXXX XXXX at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/XXXX credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both Experian and XXXX  on XX/XX/XXXX and never received a response. 

Please investigate.

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 2021-02-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i have had problems with identity theft, i asked them to send me any information about this transaction to me, i told them i am a victim of identity theft, but they continued to harrass me with threats, calling my job, to no end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE

Complaint narrative:
Identity Theft 14 Fraudkent Addresses 2 THEFT REPORTS FOR BOUNCED CHECKS FRAUDULENT ADDRESSES MULTIPLE SS NUMBERS ON CONSUMER REPORTS FILED DISPUTES AND VERIFIED ALL ACCOUNTS ON MY CONSUMER REPORTS. 

Chexsystems HOWEVER IS BEING DIFFICULT. THEY WILL NOT UPDATE MY REPORT. THIS PROCESS STARTED ON XX/XX/2020. I HAVE BEEN STRUGGLING FOR 27 months with homelessness. I just got my credit to where I could get an apartment because of the damage they did to my reports. 

I need assistance with getting my report updated. I have filed all reports and notices. I have submitted all proof. The proof I am submitting today to you is minimal from what I have. 

Thank you 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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: OR

Complaint narrative:
CMRE Financial Services is not reporting accurate information to the Credit Reporting Agencies. I have paid the debt owed to this company, and they continue to falsify information and report that the debt has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
A loan was fraudulently made in my name by Navy Federal Credit Union on XX/XX/2019 with a current balance of {$5300.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: NJ

Complaint narrative:
I was not updated or notified on the status of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i have been a victim of identity theft, and i have been trying for a long time to work this out, but collector keeps harrasment calling me constantly, and will not send me information so i can try to see who has stolen my identity for these accounts, no information has been received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My name is XXXX, I have a wife of 13 years and XXXX school age children, we have XXXX dogs and a XXXX. Im a XXXX XXXX XXXXXXXX XXXX  vet from 3 tours between XXXX and XXXX as ground forces. 
My wife works full time for the XXXX I am a full time ( 60 hr ) XXXX XXXX I draw my full military retirement I dont pay for medical insurance for my family, due to my retirement We have 3 incomes and XXXX kids, but we cant buy a house. 
Why? Because investors and bankers are inflating the market beyond reason. 
In closing Ill ask this. If we cant afford a home, then who can? 
Dont let investors set us back another 10 years like they did in 2007. 
Respectfully XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: PR

Complaint narrative:
My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to TransUnion, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and to the Federal Trade Commission. 

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 2021-02-04 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I recently, submitted a dispute to XXXX  about the way Jared-Galleria Jewelry is reporting on my credit report. On, XX/XX/XXXX, I received a response back from XXXX stating that Jared-Galleria Jewelry has CERTIFIED AND VERIFIED the information to be " Accurately '' reporting. I'm confused as to how this account could be VERIFIED AND CERTIFIED TO BE ACCURATE when there are several errors in the way this is being reported : 1 ) XXXX reports that this account was closed " XX/XX/XXXX '' this is totally a contradiction to how it is being reported in the " Payment History/Rating ''. Payment History clearly shows that this account was open in XXXX and did not close until the latter of XXXX. Secondly, XXXX reports that the " High balance '' on this account is {$1400.00}. This totally confuses even the most expert because the credit limit is {$1500.00}. How could the Highest balance be lower then the credit limit? Next, XXXX  fails report the Date of First Delinquency which is required because it helps to identify the purge date. This all leads me to believe that XXXX  did not conduct a reasonable independent investigation. Using XXXX or parroting what a creditor says is not satisfactory for an independent investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX sent a message to me saying they were having technical issues with logging into my account. That was fine ; I pay this card balance in full every month. I had just sent a {$550.00} payment on the account on XX/XX/XXXX paying it off. I purchased gas for {$45.00} on the XXXX, and that was the only charge in the billing cycle. 

Today, XX/XX/2021, I received multiple notices from credit monitoring services that they had recorded a severe delinquency in my XXXX account, for {$45.00}. The balance is not due for another two weeks, but I paid it today anyways. XXXX is reporting that the {$45.00} is more than 120 days delinquent. 

I received a credit line increase on a different account today as well, in concurrence with my score drop. I find it highly likely I would have been approved for a higher limit increase had my credit score not been dropped erroneously by 40 points. 

Trying to call the company for assistance results in waiting on hold for hours while a message says they will help you in 30 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