vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXXXXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, there is supposed to be a notice of dispute on the consumer report and as you can see, there is nothing! For that reason this account needs to be deleted immediately and remedy must be awarded. Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX XXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter more than 30 days now and I still have not gotten any results. They did not investigate inaccurate accounts reporting on my 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 2021-08-23 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: CO

Complaint narrative:
XXXX XXXX XXXX has reported inaccurate information on my account ( again ). It is indisputable that the information they furnished is incorrect, because even right now as you are reading this I am still less than 30 days past my XX/XX/XXXX due date. 

As you know, under CDIA 's reporting guidelines data furnishers are not allowed to report late payments to credit bureaus until a customer is at least a FULL 30 days past their due date, and it is illegal for them to knowingly report inaccurate information. I am a very reasonable person and I would understand if this was simply a mistake, but it is impossible for it to have been a mistake since the Metro 2 format does not have an option to report late payments that are only 1-29 days past due. So that means that XXXX XXXX XXXX blatantly and willfully ignored the CDIA 's credit reporting guidelines, which violates the Fair Credit Reporting Act, and NCUA 's UDAAP regulations. XXXX XXXX XXXX wanton disregard for fair and ethical business practices is deeply concerning, this willful misconduct has caused me significant financial injury. Prior to their first erroneous report in XXXX my credit score was XXXX and I had a flawless history, but due to their incorrect report I no longer qualified to refinance my mortgage. That prevented me from being able to lower my APR, eliminate my PMI, and shorten my loan term, which cost me tens of thousands of dollars. 

Obviously this current error is conclusive evidence that XXXX XXXX XXXX willfully violated the Fair Credit Reporting Act and UDAAP regulations, so I plan to request e-OSCAR and report them to : the Federal Trade Commission, the National Credit Union Administration, the Consumer Financial Protection Bureau, the Colorado Attorney General, the Division of Financial Services, and every public business review site. However, my number one my priority is having my credit repaired to the pre-error status, so I will give XXXX XXXX XXXX until XX/XX/2021 to settle this amicably by removing both erroneous late payment reports from all credit bureaus and permanently writing-off the remaining loan balance ( for the financial loss I Incurred ), otherwise on XX/XX/XXXX I will proceed with filing reports to the aforementioned regulatory agencies and possibly file a civil suit.

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 2021-08-23 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: NC

Complaint narrative:
I submitted a dispute about my XXXX XXXX loan because they are closed and XXXXyrs have passed. When I recieved an update from Transunion I found that they re opened a closed account without any notice, which dropped my credit score 19points. The drophas ruined the chances of getting transportation to work. Please reverse what was done.

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 2021-08-23 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: MS

Complaint narrative:
The following accounts were fraudulently used without my permission. and it causes me a lot of stress. I am a victim of Identity Theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have tried to dispute again this account of I C SYSTEM. I have sent multiple letters, but they have not fixed their issues. The reported dates are wrong, and the date opened are wrong.

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on BANK OF AMERICA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 2021-08-23 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: MT

Complaint narrative:
EQUIFAX HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING EQUIFAX SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM EQUIFAX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: TX

Complaint narrative:
This collection showed up on my report out of nowhere. I disputed it on XXXX  and it was removed but then they put it on my XXXX  and XXXX. I don't owe this money and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
Other AFFIRM INC XXXX XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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:
XXXX  is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent out multiple letters out on this company. And they still have not removed it off my report. The last reported days on on different days. And the day last active are all wrong. 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 2021-08-23 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: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This complaint is one more attempt to get a fair solution to this issue with Bank of America. I have called them several times and explained my situation but they've ignored me and they just wrote a note on the account. 

The account was opened fraudulently. I was told by the BOA customer service representative that as soon as the account closing happened, the money was going to be taken out of my savings deposit account and that I didn't need to pay. Despite this, BOA still ended up reporting account as a charge-off. 

Now Im unable to get a mortgage, Im asking that this account be removed from my credit report as soon as possible. This issue has caused several financial and emotional damages. All I am asking is what is fair. 

The account information is as follows : Bank of America credit card, credit limit {$300.00}, date opened 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 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jeferson Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Other credit reporting agencies have already deleted the unverified account because they couldnt produce any verifying documents that verifies the debt was mine according to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: CT

Complaint narrative:
The payment status for my loan has been incorrectly reported to the credit agencies XXXX  and XXXX and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XXXX XXXX through XXXX XXXX  I was in forbearance, and was approved to be in forbearance until XXXX XXXX XXXX 

Attached are documents from Loan Care confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with Loan Care. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of Loan Care 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to Loan Care ( two documents ) -- Confirmation of forbearance from Loan Care -- Closing documents demonstrating that the loan is closed -- XXXX & XXXX  credit reports. I am still trying to get the XXXX 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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent out multiple letters out on this company. And they still have not removed it off my report. The last reported days on on different days. And the day last active are all wrong. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, there is supposed to be a notice of dispute on the consumer report and as you can see, there is nothing! For that reason this account needs to be deleted immediately and remedy must be awarded. Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX and {$400000.00} from XXXX and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX XXXXXXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/21 I took my daughter out looking cars at various dealership. The dealership XXXX XXXX XXXXXXXX ran my credit without my permission XXXX. All of inquiries where hard credit pulls. Stated to her once that my daughter had no down payment money and she was in college and we were just looking at our options. I have over 10 hard inquiries on my credit now and my score has dropped. I feel lied to and mistreated. These actions were unfair and improper business handling. I left ther under the impression that my credit wasn't pulled and that we would come back when we made a decision.

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 2021-08-23 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX BK OF AMER XXXX  XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from BK OF AMER for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

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 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Out of nowhere, I have been entirely blocked from making payments on Venmo. I reached out to them initially and they told me to try a different payment method to get around any potential issue with the initial payment method. After trying three different payment methods and trying over the course of a week, I am still being blocked from making any payments to anyone else on Venmo. This is a significant monetary issue for me. I asked for a Venmo supervisor to solve the issue but she repeated that Venmo 's automated system flagged a transaction as risky. However, this does not address the issue that I am still blocked after over a week 's time having tried different payment methods and tried paying different people with different payment amounts. It is not a transaction that was blocked but an error in the Venmo system that has blocked me as a user for no good reason. The supervisor has provided no solution and is no longer willing to contact the appropriate people in Venmo to fix the issue. She could contact the security team, or web developers, or her own supervisor but nothing has been done. I am being denied Venmo 's services which is discriminatory and incurring losses to me. I would like this to be escalated and solved so that I am not unfairly barred from ever using Venmo again.

Company response to consumer: Closed with explanation