vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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: TN

Complaint narrative:
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. 

ACCOUNT XXXX XXXX {$1500.00} XXXX XXXX XXXX   {$580.00} and XXXX  XXXX XXXX {$1300.00}

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 2019-08-13 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: TN

Complaint narrative:
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. 



XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This company ran unauthorized credit inquiry on my credit report.This is suspicious to me and so kindly delete asap : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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:
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy - No Asset, on XX/XX/XXXX that case was discharged. Included in that filing were two accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Charge Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Charge Off Both of these should be showing zero balances ( they're not ) and should have note that they were discharged in Chapter XXXX bankruptcy. I provided Transunion with a copy of my Chapter XXXX BK discharge paperwork showing it was No Asset BK and that it was fully discharged. 

Transunion answered my request to update this information with the following : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Clearly it isn't correct and Transunion is NOT verifying and correcting anything, despite being given proof that my BK has been discharged. 

Additionally I had a card with XXXX XXXX XXXX  that was opened on XX/XX/XXXX and included in bankruptcy. They are still showing my balance as {$6400.00} when it should be zeros across the board. 

Transunion seems very uninterested in helping consumers fix their credit reports as appropriate. This has caused me MAJOR issues when attempting to gain access to credit to build my score/report back up.

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 2019-08-13 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: NV

Complaint narrative:
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. 
XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: NV

Complaint narrative:
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. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX XXXX XXXX ORIG CREDITOR : 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 2019-08-13 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: NV

Complaint narrative:
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. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX ), ACCOUNT XXXX XXXX XXXX ( ORIG CREDITOR : 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 non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans Union as ofXX/XX/2019 reduce my credit score by 37 points for a auto lease loan Thats my Daughters Auto Lease Loan Not mine Now as Im in the process of moving my realtor tells me the mim score has to be 640 I said yes I'm over that but after checking Trans Union lowered my score 37 points making it impossible for me to move as needed for health reasons Because if a Auto Lease Loan thats my Daughter XXXX XXXX Not mine

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 2019-08-13 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: NV

Complaint narrative:
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. 
XXXX XXXX XXXX ( ORIG CREDITOR : 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 2019-08-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: FL

Complaint narrative:
I received a US Direct Express card and it was an over payment from the government and wanted this money returned to the government ; however, when I went to retrieve this money I couldn't use this card. By some strange incident I received a text stating that my card would arrive the next business day, Tuesday XX/XX/2019 via XXXX to XXXX, FL, which it was delivered there and left by the driver on the front porch as noted in my text from tracking the card,, but I live in XXXX, FL??? I immediately called Direct Express who cancelled that card and sent me out another one, yet the card I received is again saying this is an invalid number. Although this has happened before and I called Social Security and reported that someone was attempting to impersonate me and take my money, my sister made some changes to identify me, but when I called I was told that no changes had been made. I believe that there is some inside fraudulent going on at Direct Express, to help others that maybe experiencing this same ordeal and not receiving their money. I have changed my account to a bank so I'm no longer affected by this, I just want it on record that I was trying to return the XXXX back to the government and someone inside Direct Express is bent on getting this money and probably a lot of others ' money also and having Social Security replace this money as they told me they would do, if I didn't receive my money, which I did ; however I and was hoping to return the money that the government put on the card, hopefully you all can get to the bottom of this scam that is going on inside Direct Express ( the card number I will provide is the one that was sent to me but it says it's not valid )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/XXXX I deposited a {$300.00} check from my XXXX XXXX   checking account into my US Bank checking account which cause US Bank to close my checking account. The check from XXXX that I deposited I thought it was a check from my open checking account with Regions but come to find out it was a check from my closed account, it was simply an error on my part and I had no intentions to defraud US Bank of whom I have held a checking account with for years. On XX/XX/XXXX I had well over {$300.00} in my US Bank checking account. Ever since I filed bankruptcy on XX/XX/XXXX I have had nothing but problems from US Bank. They closed my checking account back in XXXX that I held for years due to bankruptcy and made me open a new checking account. In which I opted out of overdraft protection but US Bank has charged me numerous overdraft fees when clearly I had a positive balance.XXXX XXXX I went into the US Bank branch and they informed me that my checking account would be closed due t the return {$300.00} check and no other transactions could me made on the account. I informed them I was excepting a deposit from the school and US Bank said they would send it back. On XX/XX/XXXX US Bank accepted my deposit of {$1200.00} from the school. The total amount that is in my checking account is {$2000.00} and US Bank refuses to give me my money. I have spoken with the branch manager, XXXX several times and he told me that I can't get my funds until XX/XX/XXXX. I have no pending tranactions and I don't owe US BANK any money. I need them to release my {$200.00} immediately. I have been a customer of theirs for years and a {$300.00} return check does not warrant what this bank is doing to me. I have been a customer for years! Also on XX/XX/XXXX they charged me a {$36.00} overdraft fee when clearly I had a positive balance. I have bills and need my money released to me today!

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 2019-08-13 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: NV

Complaint narrative:
The following companies ran unauthorized credit report on me, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.. I have never given permission for them to inquire my credit status, please remove it from my Transunion 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 2019-08-13 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I bought two small laptops for my XXXX for XXXX gifts, they never would work. I returned them to a third party company that sold through XXXX. They would not even answer my emails. So I refused to pay XXXX, because they were charged to my card. XXXX wouldnt even get involved. They closed my account and sold the debt to a debt collection company.ive done everything I know to do. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The following companies ran unauthorized credit report on me, XXXX, XXXX, XXXX XXXX XXXX I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: NV

Complaint narrative:
AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.
IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.


XXXXXXXXXXXX,XXXXXXXXXXXXandXXXXXXXX

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 2019-08-13 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: NV

Complaint narrative:
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. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
I have disputed with both Equifax and XXXX regarding 2 late payments on an account with XXXX XXXX. XXXX XXXX is reporting late payments in XX/XX/XXXX & XX/XX/XXXX. As you can see from my credit report I have had all on time payments. I am disputing these late payments as I have bank statements showing proof that I made my payments on time. I have contacted XXXX XXXX and attempted to speak to someone who was rude. I have also sent a letter to XXXX XXXX with copies of my bank statement showing that I made my payments on time. However, I received a letter back from XXXX XXXX stating that they verified it as correctly. I then disputed with Equifax and XXXX to once again have my request ignored, it came back verified. How can XXXX XXXX say I was late when I clearly made my payments on time? This is severely crippling my credit when this is not my fault. 
I have provided proof that the payments were made on time. Where is their proof that the payments were not made on time. It's not the responsibility of the consumer to prove the inaccuracy being reported, its the creditors responsibility to prove that it is inaccurate. I want XXXX XXXX to send bank transactions of my posted payments reflecting when my payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: VT

Complaint narrative:
On XX/XX/XXXX I used the MoneyLion app to transfer {$270.00} from my MoneyLion Investment account to my MoneyLion Checking account. At all other banks that I use, this transfer would be instant. However after waiting 8 business days, I called MoneyLion on XX/XX/XXXX and they said it was a " known issue '' and that it would be soon rectified. 

Today is XX/XX/2012 business days since the transfer was initiated, and the {$270.00} is still not in my checking account or my investment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: NV

Complaint narrative:
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. 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