vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 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I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA

Complaint narrative:
I am constantly filling out surveys through XXXX - nationalconsumercenter.com website and/or some website that's very similar to the ones I just described. Now when I have completed these surveys, expecting the delivery of payment for filling out their requested surveys, when I am redirected to confirm my shipment and/or personal information page, there is NOT an option to edit any of my information to confirm delivery or personal contact information so I can be notified on the shipment of payment or status of anything regarding my survey involment/participation. 

Due to the fact that I can not edit my information when I am redirected to the confirmation page, I believe I am not receiving ANY information on status for my participation in any questions I am answering, and am personally feeling like my intellectual properties and my involvement not being compensated like I was lead to believe, has been fraudulently stolen and or not redirected to me, the consumer/participant correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Last 4 of my ss # is XXXX Contacted and filed complaint with CFPB and XXXX, Mr cooper mortgage stated they would start reporting my mortgage loan that they have failed to report since my reaffirmation and bankruptcy discharge in XX/XX/2018. 
I sent the required letter requesting trade line credit reporting and theyve still failed to report my loan and payments for last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Hello CFPB This is a follow-up from your last message to me on XX/XX/XXXX complaint ID XXXX. Navy Federal has yet to contact me and settle this issue. I paid the fee to XXXX because Navy Federal will not reply to me nor refund me my money of {$25.00}. Now this entire issue has caused anothe problem with the fee I paid to XXXX. XXXX can not figure out what happened to the fee I paid on XX/XX/27 which covered Navy Federal 's check with no money value on it. Again I was not aware there was no money value on the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: TN

Complaint narrative:
I AM A VICITIM OF IDENITY THEFT. THIS IS MY OFFICAL STATEMENT ABOUT THE CRIME. I HAVE SENT IN A POLICE REPORT AND AN IKD THEFT IN NUMEROUS ACCUSIONS AND EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE IN CLEAR VIOLATION OF FCRA LAWS. I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACE ON HOLD FOR INORDINTAE AMOUNTS OF TIME. UNDER THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGHTHE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT WITH A WET INK SIGNATURE ON IT, ( COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOT CONSIDERED PROOF ) THAT YOU HAVE ON FILE FOR THE ACCOUNT LISTED ABOVE. UNDER THE FRCA, UNVERIFIED, INVALID ACCOUNTS MUST BE REMOVED. THE BANKRUPTCY I NSISTS ON REPORTING THIS FRAUDULENT ACCOUNT ON MY FILE.

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 2019-07-06 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: MS

Complaint narrative:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX County, TX and XXXX County, TX placing inaccurate and old data into current clean records via XXXX, Equifax or some unknown reporting agency. Many of the transactions have been verified by attorneys via lawsuits to be invalid or not filed claims. Records were clean prior to recent intervention by unauthorized credit pre-screens being issued by recruiting agencies and other types of businesses which were not employing or in the business of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have a Debt on credit report in collections from Abitity Recovery Service. I have never received anything from them about this debt. Now it has been placed on credit report and I have taking a bad hit on scores.

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 2019-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I mailed a certified handwritten letter to the Doctors Business Bureau on XX/XX/2019. USPS states that they recieved it XX/XX/2019. This letter is a debt validation letter requesting that they send the required proof they have to assume this debt against me as per my rights under the FDCPA. They were given 30 days to send me the documents that I needed ; if they did not, they were to DELETE these accounts off my credit. They have violated my rights and I demand that action be taken to resolve this matter. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried, for a significant period of time, to dispute a Bankruptcy that is being reported under my name and attached to my social security number. I first consulted XXXX XXXX, who contacted Experian on my behalf. The XXXX XXXX was used to " verify '' the Bankruptcy through XXXX 's data system. There were no phone calls, no paper trails, no true verification of validation of anything. XXXX XXXX did nothing to question their method of verification, but certainly took money from me in a hurry. I then contacted Experian on my own and tried to submit my dispute using the FCRA because I have been advised that it's best to dispute this way, even if something is not valid, unverified, or potentially fraudulent because too many people have abused the system by filing false police reports in attempts to get credit sweeps and get a clean file. The problem is no proper investigation has been conducted. Experian collects their information from XXXX. XXXX claims to get their information from the courts. The clerks in the courthouse, will testify that they do not verify or validate anything by phone, e-mail, or fax regarding court records. The court records DO NOT SHOW the entire social security number, and if any of these entities had honestly taken a look, they would see that my social security number, which Experian knows very well, is NOT on the court records. What the court records show is completely different. Therefore, they have reported inaccurate information for a long time. Due to the fact that I was duped into trusting XXXX XXXX to perform any work for me, plus trying on my own to dispute this matter, Experian has decided they don't have to look into this any further. At this time, I have more information, and they will not allow me to initiate a new dispute. This has gone on long enough, and I have been more than civil, patient, and respectful. They are not entirely accurate when the investigation results ' letters come back stating the court verified it or that XXXX verified it. Experian and XXXX are for financial gain, and I represent money to them because they can continue to report unverified items. The court reports use name and address, which XXXX records. That is not proper validation, particularly when Experian does nothing except repeat what XXXX states. After all this investigation I discovered on my own, they have now decided to not give me an opportunity to dispute this.

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 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
When travelling in XXXX XXXX, on XX/XX/XXXX I was forced to leave my US Bank debit card behind in an ATM machine, because I was surrounded by a hostile group of locals who made me feel very uncomfortable. They first conned me into believing that I was supposed to use my card to get a local pass, and then when the card would not be returned be the ATM machine started pressing me into using another card, shouting, made me worry about my personal safety, so I decided to leave the card in the machine and to contact US Bank. 

I walked away from the ATM machine into a hotel lobby nearby, which was a safe place, and immediately contacted US Bank on the phone. By the time I managed to get through to US Bank Security ( waiting on hold, authenticating, etc ) there were three cash withdrawals posted on my account, for {$210.00}, {$360.00}, and {$140.00} This is absolutely preposterous beause : ( a ) I never informed US Bank about my travel plans ; ( b ) I have not withdrawn money from my account abroad in at least ten years, so there is no pattern of me using the card from abroad ; ( c ) how would the US BAnk allow all three transactions to go through, should not there be a reasonable daily withdrawal limit?

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 monetary relief
Consumer complaint received 2019-07-06 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: NY

Complaint narrative:
XXXX and XXXX XXXX received a positive result on one trade line. Equifax did nothing wrong, it's just that the person that updated credit for XXXX XXXX XXXX XXXX made the necessary correction on a very old credit trade line, and they did not complete the same result for Equifax. The trade line was paid off several years ago. The account was never late, yet the account is still posted on my Equifax report as 30-59 Days Past Due. This is causing me great problems on my credit scores with Equifax. I submitted a hard copy dispute several months ago, and XXXX XXXX XXXX XXXX corrected the account with two out of three credit bureaus. I respectfully request Equifax to complete another reinvestigation where XXXX XXXX XXXX XXXX responds back accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: MO

Complaint narrative:
On XX/XX/XXXX I sent a dispute via fax to Equifax to ensure compliance on an item on my credit report. I received a response dated XX/XX/XXXX stating the item was verified. On XX/XX/XXXX I faxed a request to Equifax asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' dated XX/XX/XXXX from Equifax just stating the items was verified so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Equifax did not comply with this request within the time frame allotted they need to delete the disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: IL

Complaint narrative:
While reviewing my credit report I have noticed several accounts opened that don't belong to me. I haven't applied for theses accounts. There are variation of my name and address that I've never lived at on my report. 
XXXX XXXX XXXX Reference Number XXXX Dept Of Ed/XXXX   DEPT OF ED/XXXX  Consumer XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX and XXXX XXXX received a positive result on one trade line. XXXX  did nothing wrong, it's just that the person that updated credit for Wells Fargo Dealer Services made the necessary correction on a very old credit trade line, and they did not complete the same result for XXXX. The trade line was paid off several years ago. The account was never late, yet the account is still posted on my XXXX report as 30-59 Days Past Due. This is causing me great problems on my credit scores with XXXX. I submitted a hard copy dispute several months ago, and Wells Fargo Dealer Services corrected the account with two out of three credit bureaus. I respectfully request XXXX  to complete another reinvestigation where Wells Fargo Dealer Services responds back accordingly.

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 2019-07-06 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: MO

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Transunion due to 4 items on my credit report being collection accounts listed with a " past due balance ''. A collection account can not also be past due and a violation of my rights. I also sent a dispute of a charged off account that shows settled but was still reporting a monthly balance which was also inaccurate and requested deletion of incorrect items. On XX/XX/XXXX I received a response stating the items were updated or remains. On XX/XX/XXXX I mailed a request to Transunion asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Transunion in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' from Transunion dated XX/XX/XXXX just stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Transunion did not comply with this request within the time frame allotted they need to delete the disputed accounts.

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 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had a cash rewards Visa credit card issued by U.S. Bancorp, which gave 2 % back on general daily spending. And I had accumulated about {$100.00} rewards dollars on this Visa credit card as of XX/XX/2019. While in XX/XX/2019, I received a letter from U.S. Bancorp stating my Visa credit card had been closed because of inactivity. I called U.S. Bancorp to see how they would deal with my {$100.00} rewards dollars. According to them, because of account closure, they would not be able to redeem rewards dollars for me. But the issue is, before they made the decision to close my dormant account, they never informed me in advance. Therefore I had no chance to redeem the rewards dollars before the closure. It is unfair to me as I didn't violate any terms & conditions of this Visa credit card and I didn't request to close this account. The action of U.S. Bancorp is fraudulent as it is not reasonable to decline my request to redeem my rewards dollars.

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