vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My Credit report with transunion shows enquiries that i did not authorize & must be deleted as these enquiries were not authorized by me. 

1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD XXXX ON XX/XX/2018 2. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, NJ XXXX ON XX/XX/2018 3. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ON XX/XX/2018

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 2018-08-15 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: TN

Complaint narrative:
I am Submitting this complaint with the CFPB due to TransUnion NOT being in compliance with the law of the FCRA 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. On XX/XX/XXXX I sent a dispute letter to Transunion on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to TransUnion that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with TranUnion doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks

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 2018-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I was the victim of a scam for a rental property. I sent money using XXXX XXXX from my bank to an account at Wells Fargo. The amount was {$1500.00} sent on XX/XX/18. I contacted Wells Fargo as soon as I found out about the scam. I provided the routing and account number where the funds were sent, and they would not provide me any information on the account/person that received the funds. Nor would they work with me in any way to try to recover the money.

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 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient is not communicating fully about the loan amount they're not reviewing documents or responding back after review documents over the phone and emails I've provided also ones that were carbon copy to them as well as myself the original subsidized and unsubsidized copies from data base online showing over payment. I've asked for copies of returned checks which the XXXX XXXX 's XXXX XXXX nor Navient could provide but state that the amount disbursement was one amount one document were documents provided earlier by NSLDS with different amount. So I'm contacting your company to help me address these issues. That they are ignoring. I've been told I would be contacted I have copies of emails where appointments were set and not held. With XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: PA

Complaint narrative:
Transunion on there response number # XXXX response of to many inquiries is none but 1 in XXXX. transunion also say inquiries as when I had opt out in XXXX & XXXX had to file complaints several times to why I had inquiries as well as wrong information on my credit file that was place on my credit file but not justified by transunion as they was deleted. Also my score went down 42 points after 4 creditors requested that the tray line be removed due to court order and errors in which Transunion took my credit score down with no justification with ETC is no answer on transunion part due to there is no reason for my score going down after the removals. also Transunion did not check the accurate of the creditors after I file disputes on the creditors and even with Documents uploaded to Transunion they did not reply or accept court papers that they did not apply in a timey manner. Also Transunion has issues on a timey matter back from creditors that are or should not be on my credit on opt out in which for months that went on by Transunion.

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 2018-08-15 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: NJ

Complaint narrative:
Equifax Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Williams, Alexander & Associates, Inc
State: NJ

Complaint narrative:
XXXX Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : WILLIAMS, ALEXANDER & ASSO XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am Submitting this complaint with the CFPB due to Equifax NOT being in compliance with the law of the FCRA 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. On XX/XX/XXXX I sent a dispute letter to Equifax on XX/XX/XXXX, I received a letter back of dispute results stating that the company  that reported the information certified to Equifax that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Equifax doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: GA

Complaint narrative:
XX/XX/XXXX, I was sent a copy of change of terms letter -dated XX/XX/XXXX, from us bank concerning XXXX change, from XXXX XXXX rewards visa credit card to XXXX XXXX world MasterCard , which stated the new card would be received between mid-XX/XX/XXXX and XX/XX/XXXX, by me.letter stated that my old Visa card would deactivated 60 days after my old card is issued or 30 days after I activated my MasterCard.i never was sent my new XXXX XXXX MasterCard by late XX/XX/XXXX.my XXXX XXXX Visa card was carelessly deactivated by us bank-XXXX, at least.late XX/XX/XXXX.i could not make purchases and my automatic payments were  found to be rejected, in late XX/XX/XXXX and XX/XX/XXXX and probably XX/XX/XXXX.us bank and XXXXboth lied on change of terms letter, because I finally called us bank to ask why my card would function, then I was told by a representative that my XXXX XXXXXXXX   Visa card had been deactivated, even though I had not received my new XXXX XXXX MasterCard by XX/XX/XXXX - XX/XX/XXXX.i had to request a new XXXX XXXX MasterCard in XX/XX/XXXX,  but advertisement latter that the new card arrived withinhad XX/XX/XXXX marked on bottom of letter.us bank representative falsely told me that I would receive two XXXX XXXX rewards cards in mail, but I only received the XXXX XXXX MasterCard from XX/XX/XXXX requested order, which means no new MasterCard was sent to me, in XX/XX/XXXX-XX/XX/XXXXas stated on XX/XX/XXXX letter.i had no new MasterCard to issued, at time of XX/XX/XXXX nor did I posses a new MasterCard to activate 30 days before  deactivation.therefore, my automatic payments were being rejected, changed, etc. and could not make purchases with my deactivated XXXX XXXX card.after, activated my XXXX XXXX MasterCard in mid to late XX/XX/XXXX, then all my automatic payments obligations needed to charge double for my needed insurance and health care discountaccounts, therefore, all three automatic payments overdrew my new XXXX XXXXXXXX MasterCard. Why did us bank and XXXX abuse me, in this way?

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 2018-08-15 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: NJ

Complaint narrative:
Equifax continues to report an error of 30 days late on my mortgage account with XXXX XXXX XXXX, XXXX, attn, Research dept, XXXX XXXX XXXX , XXXX, fl XXXX-XXXX A/c # XXXX XX/XX/2017 mortgage payment was made on time but equifax reports as 30 days late, which it totally incorrect & unacceptable. This error must be corrected immediately & reported as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: MOHELA
State: MI

Complaint narrative:
Mohela is refusing to supply me with information of a loan, however they are continuing to report false information onto my credit report. The loan has since been moved and in good standing with a new provider ( XXXX ). I spoke with a supervisor name XXXX and he refused to provide verification and validation on a account from 2004 ( which is still reporting on my credit ). I would like for this account to be removed from all 3 credit agencies. They have changed the dates so that it fits int the stautue of limitation and this is completely fraudulent on Mohela 's behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. Navient confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( Sallie Mae ) and that they could not remove the falsely reported information although they ( Navient ) are the current servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TN

Complaint narrative:
The credit bureau did not respond within 30days. They also reported the accounts was updated and did not provide verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
To whom it may concern, I never does business with this company CBE Group they got my phone number and call me and I already told them that they has the wrong person and there respond was ok I will remove your number from the caller list, My credit report with all three agency has been Frozen along with a fraud alert, and on XX/XX/XXXX around XXXX I receive a alert from XXXX that this company report a collection on my credit report in the amount of {$2800.00} I am disable has not work since XXXX received social security since XXXX so please I am asking you to have them remove this account asap thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Activus Corporation
State: CA

Complaint narrative:
I receive nearly every month letters from XXXX XXXX XXXX. These letters are intentionally designed to appear as though they are coming from my current lender and make it sound like I urgently need to contact them about my rate. There is no mention of who the letter is from anywhere in the main text of the letter. It is only at the bottom in the fine print that it is disclosed.

Fortunately for me I work for a financial institution and know where to look in the fine print to identify who the company is sending me this letter. Others have likely been fooled. This looks like a deceptive banking practice by a mortgage lender.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian continues to report 4 collection account that do not belong to me & refuses to further investigate the disputes. Since these accounts do not belong to me & are damaging my credit due to Experian negligence & must be deleted from my report immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX # XXXX 2 ) 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 2018-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
I purchased my XXXX XXXX in XX/XX/XXXX The original loan amount is XXXX with 11.90 % interest. I have been late a few times and used the deferment option. However starting in XXXX of last year I noticed payments not being applied to my account or not appearing to make a difference in the balance. I reached out to XXXX and was told that sometimes money orders sent in take longer to be applied. It is now XXXX and I have sent in 5 money orders and paid several ACH payments or debit card payments. I should not only be paid in full I should be covering some of the late fees. However instead I see no payments on my account, they now have a repo company calling me and threatening to take to me to jail and the company ( GM ) is calling my family and work disclosing personal information. They call me up to 30 times per day from XXXX XXXX   ( I am on pacific time ) to XXXX XXXX  at night. 

So in short they are violating the law by threatening me, releasing my personal information to family and work and trying to take my car when it is paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TX

Complaint narrative:
Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.

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 2018-08-15 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: TX

Complaint narrative:
Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX  confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TX

Complaint narrative:
Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.

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 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MicroBilt / PRBC (formerly CL Verify)
State: PA

Complaint narrative:
XXXX Credit File XX/XX/XXXX Information # XXXX has on page 10 of 18 Inquiries that may impact your credit rating/score in which I have showing a company XXXX XXXX : XXXX XXXX XXXX in which I have no given any consent or sign any document for or to obtain credit. This is pure fraud on the stated company being XXXX XXXX : XXXX XXXX XXXX and XXXX being that I opt out in XXXX XXXX XXXX that company or companies doing inquiries with out my consent and XXXX allways trying to justify there actions while doing fraud with no real reason and at the same time effecting my credit due to fraud and wreckless errors on and by XXXX has error after error that inpacts my credit score and has or needed to be corrected or I'm in the process of taking this to court for damages and error after error with out my consent.

Company response to consumer: Closed with explanation