vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I contacted Transunion as they said that an account that I allegedly had with XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXXwas been reported accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and requested of them there method of verification. They got that request on XX/XX/2021. The law states that the credit bureau should provide a copy of there method of verification within 15days of the request been made. If the company fails to abide by these guidelines then its a FCRA violation and the credit bureau should delete the disputed account from the credit profile immediately. Today is XX/XX/2021 and the credit bureau has not sent me there method of verification. 
Under the Fair Credit Reporting Act if an item is unverifiable or if the credit bureau is unable to provide the method of verification then the item should be deleted from the credit report as there is no way to prove if the credit bureau did any investigation in the matter. This credit bureau has failed to abide by the law and obey the dictates of the Fair Credit reporting Act as they have refused to provide ''There method Of Verification '' or delete XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX from my credit report. I am submitting receipts from the post office showing that Transunion got my request but failed to act on it

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 2021-08-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-08-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-08-31 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: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked Primary Residential and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal.

Primary Residential XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA 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 2021-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
My XXXX XXXX XXXX student loan was set to come out of forebearance and begin repayment on XX/XX/XXXX. The current servicer of this loan is University Accounting Services ( UAS ). I made my first call to UAS on XXXX, since I noticed on the first bill they sent me the first payment was for the full amount of interest in the amount of {$1200.00}. I asked them to add that on to my principal balance because I could not afford that kind of payment all at once. The team lead I spoke with assured me that they had to look into this but would get back to me within one week. On XX/XX/XXXX, I wrote them an e-mail to follow up since I had heard nothing, again the response was we are still working on it. I have since heard nothing despite contacting them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They claim that XXXX XXXX XXXX the original creditor has to make this decision and has not gotten back to them, they both have literally had almost 5 months to respond to my request. My concern is they are reporting this to the credit bureaus as late or past due or not paying as agreed, which will then negatively affect my credit scores. I am fine payinig what I owe within a reasonable monthly payment, but I can not afford to make a {$1200.00} payment all at once. We are in the middle of a pandemic and inflation is quite crazy for basic things like rent, food and gas. This is poor service from both XXXX XXXX XXXX and University Accounting Services. I need a resolution ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had previously filed a complaint against Resurgent Capital LP. I was alleging that Resurgent Capital created a fake debt to scam me into paying it. Resurgent replied to my complaints with documents they claimed proved the debt was valid and was mine. The documents resurgent Capital Supplied to validate this debt they claimed came from the original creditor which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  prior to filing the complaint to inquire about the alleged debts.XXXX XXXX XXXX  sent me a letter saying they had no knowledge of this debt. I lost that letter so I contacted them again and again requested they supply me with information about this credit card I allegedly applied for, received and used, XXXX XXXX XXXX replied to my request and sent me the enclosed letter. ( see attachment XXXX XXXX XXXX  removal ). In this letter XXXX XXXX XXXX  themselves verify that I never applied for, received or used this alleged credit card. The account that Resurgent Capital Is claiming that I defaulted on with XXXX XXXX XXXX  ends in XXXX. ( See attached Resurgent Reply CFPB, ). XXXX XXXX XXXX themselves have verified that this account ( ending in XXXX ) that Resurgent Capital made up to scam me into paying {$800.00} is not my account. They ( XXXX XXXX XXXX  ) have validated my claim that I never applied for, Used or received this fake credit card that Resurgent Capital made up to scam me out of money. Please verify the letter with XXXX XXXX XXXX  if you dont believe it is Genuine. I never had a credit card with XXXX XXXX XXXX  in 2016. I do currently have a credit card ( Unsecured ) with XXXX XXXX XXXX  that is in good standing. I request that Resurgent Capital remove their trade line from my credit report and stop any and all collection efforts against me for this fake debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
I was using Coinbase wallet to invest into cryptocurrency, then my account got hacked and I tried reaching Coinbase customer service no one responds no matter how many times I tried. Its been over 2 months. I had over {$1000.00} invested in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX XXXX, XXXX, XXXX  and XXXX XXXX to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  Via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO 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 2021-08-31 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX XXXX, XXXX, XXXX and Factual Data to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  Via Factual Data XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked Rocket Mortgage, LLC, XXXX and XXXX XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Rocket Mortgage LLC Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 2021-08-31 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: CORELOGIC INC
State: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXXXXXX Via Credco XXXX XXXXXXXX XXXX XXXX XXXX, CA 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 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I initiated a claim for {$16000.00} dollars on my business account on XX/XX/XXXX, a few days later I cancelled the claim as we realized that the charges were valid. TD bank said they could not cancel the claim and to deal with the merchant. The funds were taken out of the merchant 's account and I then paid the merchant {$16000.00} dollars in the form of a wire transfer. TD Bank was supposed to credit my account back by XX/XX/XXXX as they have the funds from the merchant. We cant get an answer from the claims department and customer service or the branch are unable to help. We need our money credited to our account ASAP as we have now essentially paid the merchant twice. 

I have provided TD bank with proof of payment to the Merchant and proof that the merchant also has the funds taken from there account and that TD has the funds. I was told that if the merchant didnt challenge the claim by XX/XX/XXXX the funds would be credited To my account this has not happened yet and no one has answers. 


The lack of communication is unacceptable and needs to be fixed. 
They are holding {$16000.00} of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CORELOGIC INC
State: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked Credco and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-08-31 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked Factual Data and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Factual Data XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
I am a victim of identity theft. I learned that my personal information was used to open an account at XXXXXXXX XXXX XXXXXXXX on XX/XX/21. I did not open or authorize this account. I filed a police report regarding this identity theft crime. 

Over the past three months, I have disputed this account with Experian several times. XXXX XXXX  XXXX sent me a letter on XX/XX/21 which states that the account was opened fraudulently, and I am not responsible for payment on this account. In the last dispute, I uploaded following document to Experian between XX/XX/21 - XX/XX/21, but Experian still refused to move the fraud account from my credit report. 

Copy of the statement from XXXXXXXX XXXX XXXXXXXX Copy of the statement of fraudulent application for XXXX XXXX XXXX Copy of the police 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 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My loan was sold/bought by MrCooper with my first payment to them being XX/XX/2021. I have made my payment since XXXX, in full and on time each month. I keep getting all kinds of pressure notices of rates I can use to redo my mortgage because I have equity. I have never responded except to ask them to stop sending me an email each day of the week. This took about 4 tries before they then started mailing me letters instead. 
They have recognized me in that instance, but has never updated the balance I actually owe with any of the credit reporting agencies, so that my credit can be impacted in a positive manner, even though I am paying. I monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
IN XX/XX/XXXX UP UNTIL XX/XX/XXXX I HAVE CONTACTED NATIONAL SYSTEMS INC TO REMOVE A FRADULENT COLLECTION AND THEY HAVE REFUSED TO HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
on XX/XX/2021 i purchased 3 bags from a seller named XXXX who was on XXXX. i had purchased from her once before through XXXX and never had an issue. ( which now looking back i believe the first transaction went smoothly so i would trust her ) the total of the purchase made on XX/XX/XXXX was {$450.00}. it was agreed that i would send her a deposit of {$200.00} first ( which i did ) and she would then go to XXXX, pay for the shipping label and once she sent me proof of the label and the tracking number i would send her the remaining {$250.00} ( which i did ) i continued to check the tracking number for a week after our transaction and all it showed me was a label was created i reached out to XXXX a few days after it was supposed to ship and she told me to just wait for XXXX to update it. 
after 8 days with no update and no help from XXXX XXXX decided to call the XXXX store that was on the receipt she sent me. i told the lady what had happened and she said yes i remember her coming in here, the label she paid for is still sitting on my desk, she said she would be back and left with the bags i told this to XXXX to which she now admitted her friend was supposed to ship them out for her. she apparently didnt drop them off herself ( who even knows if thats true ) so i told her to either refund me or just ship me my bags. 
after a bit of back and forth she said she would refund half in 5 days and the rest a week after bc money was tight for her. 
well i never saw that money. the last time i reached out was XX/XX/XXXX and she has stopped answering me and even opening my messages. 
i contacted my bank and told them all of this. that i never received the goods i paid for. they denied it 3 times and i appealed each one with no luck. they barley asked for proof. 
the second time I appealed it they only asked for a tracking number which still clearly shows that a label was created and no further tracking or delivery ever happened. 
i have the conversations between me and XXXX. along with her agreeing to send me a refund and that the bags didnt get sent out. but i was never able to give that proof to my bank. 
i feel like they are not doing anything to help me and keep denying my case. they keep saying its a valid transaction which i believe is false. its not valid because i never received my items. 

below are the 2 separate disputes ( since it was 2 diff transactions - {$200.00} and {$250.00} ) also the tracking number, receipt from XXXX and the conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation