vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft and filled several documents with Transunion reporting agency. I filled an FTC report. An affidavit, an FTC complaint number, along with two from of Identification and the items i were disputing. According to FCRA 605B the items listed on the affidavit and ftc report should be block within 4 business days of receipt. I spoke with XXXX XXXX, a supervisor at Transunion. He works in the fraud dept/special handlings. And he informed me that Transunion does follow the FCRA but would not block the items because it takes 30 days. After telling him the the FCRA section 605B states identity theft items should be blocked within 4 business days, he insisted that he would not block them and it would take 30 days. I told him that i contacted the creditors and they told me to follow this process. He insisted that it takes 30 days and began to become very irate and rude. I asked him does the FCRA state that if its identity theft and the constituent elements above are included in a dispute that the items would be blocked in 4 days. He keep telling me that he would not comment on that and hung the phone up. 

XXXX  XXXX is not following the law he claims to be following and he was very rude and unprofessional with me. I was very polite on the call. XXXX  XXXX was 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 2021-09-11 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: AL

Complaint narrative:
Transunion is reporting an inaccurate alleged collection # XXXX my credit file and it is causing me harm financially, emotionally, and physically I haven't been more stressed and tired in my life since spotting these violations. This alleged collection account is reported as open with an alleged past due balance which is a violation how is this account even being furnished at this point. Even though I already sent disputes on this collection account I had to make this complaint because Transunion has a history of reporting inaccurate information even after it is disputed. This consumer reporting agency is in violation of USC Title 15 1681Eb- Accuracy of the report - '' Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' and USC Title 15 1681i 5 1-2- Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-09-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Account is reporting multiple inaccuracies and violations of my consumer rights. I have disputed this with the bureaus and the creditor, both of which have failed to remove or correct any of this information. Creditor has also failed to mark this account as disputed and is reporting a derogatory/collection status which is inaccurate, this account should reflect as " PAID AS AGREED ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I purchased a townhome in XXXX, everything was find until I lost my job. My mortgage company was Wells Fargo. I contacted them to let them know my situation. I wanted to refinance so my payments would be lower. Instead Wells Fargo went up my mortgage. It went from {$1000.00} to {$1200.00}. I asked them how was I going to pay that when I was having trouble paying the {$1000.00}. I was trying to get it lower. They told me if I could not make the payment they were going to foreclose. I cried for days, til my family told me I had to move before Wells Fargo kick me out and take all of my things. I endedup moving in with my family in XXXX. My home went into foreclosure. I was deverstated. I was depressed all the time. I ended up drinking a lot. I finally moved out my family home into an apartment I truly hate. I'm paying {$1000.00} for this apartment, and its not worth it. It's very small, and it has roaches. The apartment people charges us each month for an exterminator, but he only comes once a year. I want to move, but Im stuck here because of my credit. Having a foreclosure on record doesn ' help either. I wish Wells Fargo would have worked with me.

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 2021-09-11 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 sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted portfolio recovery requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to XXXX XXXX to validated the debt as the credit bureau, XXXX specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted capital one the company they are collecting for they were not able to locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted XXXX XXXX requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to XXXX XXXX to validated the debt as the credit bureau, Experian specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted XXXX XXXX the company they are collecting for they were not able to locate the account.

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 2021-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX TO : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX TO : Chex Systems XXXX XXXX 
Customer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by BOA. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX  XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me physically XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) is attempting to collect a debt ( {$1300.00} ) that is allegedly past due since XX/XX/XXXX. The account was allegedly opened since XX/XX/XXXX, which is not true. They claim to have bought the debt from XXXX, XXXX, ( XX/XX/XXXX ) and are attempting to collect on a debt that is over 10 years old. This is illegal in CA and they still report this to the credit bureaus. XXXX has been ignoring my request to remove this old debt that is past the statute of limitations in CA. Portfolio Associates can not provide adequate evidence that this debt bought from XXXX is not older than 7 years. XXXX does not report this collections mark on my credit profile, while XXXX and XXXX does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XXXX used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed Ally Auto to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. XXXX also stated in another document that this was not being reported on my credit history. They lied.

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 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) is attempting to collect a debt ( {$1300.00} ) that is allegedly past due since XX/XX/XXXX. The account was allegedly opened since XX/XX/XXXX, which is not true. They claim to have bought the debt from Synchrony, Paypal, ( XX/XX/XXXX ) and are attempting to collect on a debt that is over 10 years old. This is illegal in CA and they still report this to the credit bureaus. XXXX has been ignoring my request to remove this old debt that is past the statute of limitations in CA. XXXX XXXX can not provide adequate evidence that this debt bought from Synchrony is not older than 7 years. XXXX does not report this collections mark on my credit profile, while XXXX and XXXX does.

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 2021-09-11 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: NV

Complaint narrative:
I submitted a dispute back in XXXX, and they never answered back. I then submitted another dispute in XXXX and no one ever got back with me until I came through the CFPB Ive sent my ID Ive sent proof of address Ive sent the letters and I have not received anything back until this week and when I receive information back this week they told me that they didnt receive nothing today Ive sent them and I have copies of everything that I sent to them. I am attaching everything that I have sent to them they came back and sent me a letter and said that theyre basically could do anything to my credit and Ive been on there since XXXX and were now in 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 2021-09-11 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:
I submitted a dispute back in XXXX, and they never answered back. I then submitted another dispute in XXXX and no one ever got back with me until I came through the CFPB Ive sent my ID Ive sent proof of address Ive sent the letters and I have not received anything back until this week and when I receive information back this week they told me that they didnt receive nothing today Ive sent them and I have copies of everything that I sent to them. I am attaching everything that I have sent to them they came back and sent me a letter and said that theyre basically could do anything to my credit and Ive been on there since XXXX and were now in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I reached out to Rocket Mortgage to purchase a home in Delaware as I have used this company in the past. I had difficulty with this company giving me a run of the mill with purchasing a home in the state of my choice. First, it was you live too far to commute, then it was approved as I informed this profilers that I would file a complaint with the CFPB. That was XXXX. Fast forward to XXXX, XXXX  XXXX. I decided to use this company again, thinking my experience would be different. I had a lock placed on my credit to prevent unauthorized access of my credit report without my approval. 

I unlocked it on XXXX XXXX and XXXX/Rocket Mortgage accessed my credit report.See attached document and emails. On XX/XX/XXXX, I contacted XXXX after going through the verification process and spoke to a representative, who informed me that the information given to me by Rocket Mortgage is ludicrous and can't seem to explain any justification for why this company is seeking to pull my credit twice. I also spoke with XXXX and the representative also gave me the similar information. In fact, the representative at XXXX said, there was no lock, freeze or any fraudulent information that would prevent Rocket Mortgage XXXX to not have access. This company has a history of using discriminatory practices when it comes to home ownership and loan approval. In my case, I have excellent credit and my debt to income ratio that they would like to use to deny loans is not an issue in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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:
Ive continuously informed TRANSUNION that they are violating my consumer rights!!!! They are reporting unverifiable and unvalidated debt!!! This is in clear violation of the FCRA!!!! Ive informed TRANSUNION that they are committing a crime called Debt Parking by the FTC. Ive constantly instructed TRANSUNION to remove the inaccurate and derogatory information from my consumer file!!! They are reporting a charge off from XXXX  that cant be validated and a collection from XXXX XXXX XXXX  that can not be validated pursuant 15 usc 1692g and both derogatory accounts need to be removed immediately!!!! Ive submitted several disputes informing TRANSUNION of the inaccurate information and Ive instructed them in each letter sent by certified mail that they need to be removed! XXXX has removed the negative accounts so obviously they recognized that the law was being broken and TRANSUNION should too! TRANSUNION is in violation of several laws under the FCRA which include 15 usc 1692e ( false or misleading information ), 15 usc 1692f ( unfair practices ), and 1692d ( harassment and abuse ), and by doing so TRANSUNION is civilly liable in the amount of XXXX per violation pursuant 15 usc 1692k. They are also reporting inaccurately on my XXXX  XXXX accounts. Theyve been informed that they are to remove all late payments but still report 3 missed payments as of today! Ive submitted documentation to them showing how XXXX is the only agency whos reporting correctly with zero missed payments and that they should comply with the law 15 usc 1681e ( b )! All information has to be 100 % correct or it needs to be removed!!!!! Ive provided a copy of the dispute letters sent to TRANSUNION. Ive also attached a copy of my identification so that TRANSUNION knows that it is me who is submitting this complaint!!! Ive also attached other supporting documentation such as my XXXX payment history and zero derogatory accounts and statements from the FTC about Debt Parking!!!

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 2021-09-11 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:
XXXX used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed XXXX XXXX to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. XXXX also stated in another document that this was not being reported on my credit history. They lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: NV

Complaint narrative:
Experian used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed XXXX XXXX to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. Experian also stated in another document that this was not being reported on my credit history. They lied.

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 2021-09-11 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: GA

Complaint narrative:
ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has disabled all functionality and does not allow me to withdraw my money

Company response to consumer: Closed with monetary relief