vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 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: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. I sent a second letter to TransUnion on XX/XX/2019 via certified mail USPS. Received on XX/XX/2019 at XXXX XXXX. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX and XXXX has removed this unverified account, ( see attachment for proof ) Third party verification is not Verification under the FCRA You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demanded the following account be verified or deleted immediately. 



Account in question ; US BK COURT XXXX XXXX Unverified 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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The loan was paid off by the unemployment Insurance that the loan carried and it does currently show as paid 100 % the the account went into my default on XXXX then the company re reported on XX/XX/XXXX witch is not the correct information and should be removed by the FCRA this information needs to be removed. In XXXX the last payment was recorded as XX/XX/XXXX and in Transunion last payment was recorded on XX/XX/XXXX this show that the XXXX XXXX it's failing to report accurate information to my credit files this is a violation of the FCRA and this item must be permanently removed from my files by law or otherwise will suit the company for reporting inaccurate information on my credit files.

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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
The loan was paid off by the unemployment Insurance that the loan carried and it does currently show as paid 100 % the the account went into my default on XXXX then the company re reported on XX/XX/XXXX witch is not the correct information and should be removed by the FCRA this information needs to be removed. In Equifax the last payment was recorded as XX/XX/XXXX and in XXXX  last payment was recorded on XX/XX/XXXX this show that the XXXX XXXX it's failing to report accurate information to my credit files this is a violation of the FCRA and this item must be permanently removed from my files by law or otherwise will suit the company for reporting inaccurate information on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to XXXX XXXX ( GM Financial uses XXXX XXXX as a 3rd party for online payments ). The amount was never applied to my GM Financial account. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX, that payment was applied to my GM Financial account. I had made several attempts to contact both XXXX XXXX and GM Financial but have not been successful of getting a response. My Attorney wrote GM Financial a letter on XX/XX/2019 but as the present have not got a response from GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: IL

Complaint narrative:
I recently filed a complaint with the CFPB, # XXXX in which was closed by Experian after " investigating '' .. Apparently this company has PLENTY of funds to pay towards FCRA violations, penalties and fees because their willful noncompliance and complete disregard for the law shows just that. Maybe I should have included in my previous complaint that I am a XXXX XXXX XXXX XXXX so I'm well aware of my rights and I'm only filing a CFPB report for legal purposes and documentation only, not because I enjoy communicating in which Experian on my free time. 

As you stated in your response to complaint XXXX, you are not required to delete or remove accurate accounts from consumer reports nor keep documents HOWEVER you are REQUIRED to make sure that information YOU receive is being reported accurately by YOUR company. Your company has failed to protect and disregard my consumer rights. For example, according to reports # XXXX, created XX/XX/19 and # XXXX, created XX/XX/19 by your company, you are alleging that you've verified information with XXXX XXXX XXXX XXXX, a charged off account with a recent balance. As we BOTH should know, charged off account reflecting balances OTHER than {$0.00} is inaccurate reporting and must be deleted immediately. I've disputed the accuracy of multiple other items on multiple occasions in which it then becomes your FULL responsibility to investigate them under the law. I will not be attaching any documents for your review, but i will be more than prepared to tender any and all documents I have at court for attorney 's review, shall this matter no be resolved Immediately. I see over {$7000.00} in violations and I'm sure with the help of a professional attorney we could find a lot more. I do hope that you take this much more seriously than you did # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The balance reported it is incorrect it should be a balance of {$200.00} instead of {$400.00} this is inaccurate information reported into my credit files as well a violation of the FCRA due to the company reported the inaccurate information it must be removed by law.

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 2019-07-21 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: PR

Complaint narrative:
The balance reported it is incorrect it should be a balance of {$200.00} instead of {$400.00} this is inaccurate information reported into my credit files as well a violation of the FCRA due to the company reported the inaccurate information it must be removed by law.

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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
This two accounts still on my report and they shouldn't I have tried to resolve the issue with the bank but nothing has been done. Per FCRA the account are 8 years and months old it's past the 7 year maximum that the account can stay in the my credit files this information needs to be remove by law.

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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
This two accounts still on my report and they shouldn't I have tried to resolve the issue with the bank but nothing has been done. Per FCRA the account are 8 years and months old it's past the 7 year maximum that the account can stay in the my credit files this information needs to be remove by law.

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 2019-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX my car was repossessed due to late payments. They show me 30 days late in the months leading up to the repo. They had a technical glitch that affected thousands of customers. In a press release they promised no customer would be compromised. I'm not sure if the glitch was the problem but here is my concern .... 

In XXXX of XXXX they are reporting to the credit agencies a payment of {$970.00}. After a year of my car being repossessed I've finally managed to figure out with GM Financial customer service that they received a payment of {$480.00}. Because of their error and complications on making payments because of their glitch, my payments showed late when they were supposed to be a month ahead. 

I tried resolving this with them but they said they said I did not have an account with them. I never received all the proper documents when my car was repossessed and only found out when the lot my car was towed to called me to have my personal belongings picked up. 

Finally a year later I'm able to confirm with GM account details. But every call I make to them they send me to different departments to answer my questions. But with no resolution. 

I was given no opportunity to make right on my loan because of their negligence and am seeking help to resolve the matter of their wrongful and unlawful reposession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Leaving multiple messages in the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
You did not offer the the question I really needed. I never did business with this company. At the time they stated I applied for the loan I was dealing with a sister that was XXXX of XXXX. On some of my credit reports they state I owe them over XXXX dollars and its a charge off. Then on other reports they are saying that they charged off a little over XXXX dollars. I am a victim of identity theft because a lady squatted in my house and stole my identity, including filing income taxes under me. This is a complete nightmare for me, and is really hindering my XXXX, because I am a XXXX XXXX XXXX veteran. I tried to move, and this came up on my report. I have a police report showing that this person squatted in my home. I need help because where I live right now is to dangerous. I also found out through research that this company goes under three different names. For example I went to a bank to start a savings account and she stated I owed them for a credit card, I stated I never had one with them and she for my address and she said that was not the address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: WA

Complaint narrative:
1. On XX/XX/XXXX I received a new XXXX card issued by Elan Financial services and immediately upon receipt called the number on the sticker ( XXXX ) to activate the new card. I have the records from my phone company ( XXXX ) confirming that the call was made to that exact number at XXXX on XX/XX/XXXX. 
2. Having dialed the number, I was transferred to a human operator who began by asking questions, allegedly to verify my identity. I ended up providing my credit card details, my name, my address and the phone number to that individual. 
3. This individual then requested that I should agree to a promotional deal whereby I would be paying a fixed amount ( {$24.00} ) for ID protection services and explained that only upon my consent to this deal would he activate my credit card. 
4. After a few minutes, I realized that I had fallen victim to a fraud and recorded a portion of the conversation on a portable tape recorder. This recording is still in my possession. 
5. I requested that all of my personal data be erased from their systems, at which time the call dropped. 
6. Subsequently, I called Elan using the number on the back of my credit card and requested that the card be cancelled and that the new one be issued. 
7. I also filed a security report, which was confirmed by XXXX, employee ID # XXXX. 
8. Following my conversation with Elan, I did some research and found that I was not the first victim of the aforementioned scam and that a similar report had already been filed by another customer in XXXX. See XXXX XXXX XXXXXXXX. 
9. While the exact mechanics of how an outgoing call could have been spoofed are not clear, one option that could explain it is that your call center IP hub was hacked. 
10. Let me emphasize that what happened to me could turn into a wide-scale security breach for Elan and potentially other financial institutions as well. 
11. Sadly, after speaking with Elan employees I got the impression that neither of them fully comprehended the gravity of the problem and its potential implications. 
12. I expect Elan to investigate this incident fully and report the results to the public. Should such action not be taken, I reserve the right to report this incident to the Department of Financial Institutions in my state and/or to the media.

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 2019-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Ive tried disputing this account reporting inaccurate information on my credit report, I would like proof of validation of this debt they claim I owe which is {$5100.00} and if the validation doesnt produce a signature with my name on it I would like this deleted from my credit report, because this is really hindering in my life and causing a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out to the credit bureaus multiple times to provide me with the proper documentation to verify that the XXXX XXXX  XXXX account # XXXX opened XX/XX/2014 is in fact mine. The credit bureaus were unable to provide any verification that this account is mine. 

Also I'm not sure how XXXX XXXX XXXX Account # XXXX opened XX/XX/2014 is reporting that I owe {$31000.00} on this vehicle. How is this XXXX XXXX have this value after 5 years? Is this car plated in gold that I did not know about. 

Neither one of these account have also been verified by FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) so not sure how they are 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 2019-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My XXXX card was cancelled ( all cards with Comenity were cancelled ) and I paid off the balance due in XXXX of XXXX. I have NEVER been late with this company or any other in the last 5 years. I had always received e statements on this account. Apparently they added a minimum interest charge of XXXX to the account creating a balance due. I did not receive any statements or any other contact after that time until the second week of XXXX. I received a collection call telling me that I had a past due balance. the total amount is as follows : 1. Balance due XXXX Not shown online 2. Late charges XXXX x 2 XXXX 3. Minimum interest charge XXXX x 2 XXXX Total amount due XXXX Paid in full XX/XX/XXXX I talked on the phone with a representative and although I felt ripped off I paid the balance so as not to wreck my credit score. I asked if because this was a one off event if they would defer to record it to the credit bureaus. The representative was not helpful. The net result is that it dropped my credit score by 51 points. I would advise anyone to avoid Comenity at all cost, they are extremely dishonest and a complete rip off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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:
It seems that the account keeps reporting on my credit I have asked numerous times for the credit bureaus to verify this debt in accordance FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 

The credit or credit reporting agency is unable to provide this information so I am not certain why this account with out account history keeps reporting. 

XXXX XXXX This account has no address, no phone number how did they verify this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I got a report for a job of my background screening results, and it shows that XXXX has me reported for collections for settled-less than full balance. It is not being reported under my bankruptcy chapter XXXX that was filed XX/XX/XXXX and Discharged on XX/XX/XXXX. Bankruptcy case # XXXX. THIS ACCOUNT WAS INDEED INCLUDED IN MY BANKRUPTCY. I need this resolved in a timely manner because i am submitting a reconsideration employment letter to the company that has denied for employment because of this mistake. Thank you. XXXX XXXX IS USING TRANSUNION, so would like to get it removed from transunion and the other credit agencies if being reported as well.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus refused to provide their MOV ( Method of Verification ) for the Bankruptcy listed on your credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I have enclosed the date the letter was received and the 15 days has been violated ; thus, the information has to be deleted. 
Further, the 3rd Party company XXXX advised me they deleted the bankruptcy ( copy of XXXX attached showing no bankruptcy ) from their records and I contacted the court - they did not provide Experian with any information ( letter attached ).

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