vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On or about XX/XX/2021 Transunion was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. Transunion sent consumer a letter XX/XX/2021 requesting that the reporting company XXXX XXXX  and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from XXXX XXXX & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and XXXX XXXX XXXX XXXX also demands XXXX XXXX  & XXXX XXXX  to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation XXXX XXXX & XXXX XXXX is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that XXXX XXXX & XXXX XXXX  provide a statement admitting whether they are the holder in due course or whether XXXX XXXX  is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. TRANSUNION provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with XXXX XXXX & XXXX XXXX. Provide any and all documentation used to VERIFY account ( s ). On XX/XX/2021 XXXX XXXX & XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), XXXX XXXX & XXXX XXXX is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information TRANSUNION used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the items, as originally requested.

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 2022-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX I was transferred to XXXX. I recently sold my home. I am currently in the underwriting process for another home. I can not continue forward due to XXXX reporting my account and account inaccurately. XXXX has reported my account paid in full with no delinquencies. While in the underwriting process XXXX has stated I was delinquent when I was not. I have bank statements showing my mortgage coming out every month on top of correct reporting on my credit report. My family and I is about to be homeless and need help. PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus Equifax, XXXX XXXX, XXXX as open. There is currently a legal action taken for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: NY

Complaint narrative:
XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus XXXX, Trans union, XXXX as open. There is currently a legal action taken for fraudulent activity.

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 2022-02-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus XXXX, XXXX XXXX, Experian as open. There is currently a legal action taken for fraudulent activity.

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 2022-02-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed bankruptcy back in XXXX of XXXX and Experian took most of my accounts that were in good standing and marked them as potentially latemeaning the account had missed payments which they never did. Also they put accounts that wasnt included in my bankruptcy incorrectly on my credit report. I reached out to Experian and the representative told me I had 19 accounts with missed payments and that its showing potentially negative or missed payments which is also incorrect. Theyve also are refusing to remove the potentially negative remarks off my accounts stating that because it was put into a bankruptcy, they have to report it that way which is falsely reporting information when someone runs my credit and they also took all my accounts and put them over the credit limit which at the time before I filed my bankruptcy none of my accounts was over the the credit limit. They need to fix my credit report the way it was before I filed my bankruptcy and stop putting potentially negative on accounts that was never late because Im trying to get approved for a mortgage in XXXX of 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 2022-02-05 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:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

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 2022-02-05 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: GA

Complaint narrative:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

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 2022-02-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-05 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: NY

Complaint narrative:
XXXX XXXX XXXX Is reporting XXXX as on time and closed. This XXXX account, ( s ) is old and should not be on any credit profiles Transunion XXXX and XXXX. XXXX is being reported muliple times.

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 2022-02-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX Is reporting XXXX XXXX on time and closed. This XXXX  account, ( s ) is old and should not be on any credit profiles XXXX Experian and XXXX. XXXX is being reported muliple times.

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 2022-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 there was an unauthorized ATM withdrawal for {$800.00} followed by another unauthorized ATM withdrawal for {$1000.00} at the same ATM machine a few hours later on XX/XX/2020. I notified Bank of America immediately but they have not helped me, I supplied a police report but still no refund to my 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 2022-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I SUBMITTED THIS ON XX/XX/XXXX and HERE IT IS AGAIN! 

I have a private loan through Navient ( Originally XXXX XXXX ) for my professionaXXXX XXXX school program at the XXXX XXXX. This loan was acquired in XXXX. I have paid on this loan for many many years. Over the years I have had situations in which I needed help or deferment with making payments such as when my mother was sick XXXX XXXX XXXX XXXXXXXX XXXX, returning to school to complete my professional education, job loss and also the pandemic and they have always been very difficult and have refused to offer any help. My small business was greatly affected by the pandemic. I lost 75 % of my business in XXXX and had to take out small business loans which I had to use to pay for these loans. I have continued to pay my loans for years even through times of extreme hardship. I contacted them today to tell them that I have been struggling to get paid by insurance plans for my healthcare services and I needed to ask for help in either a break from payments or lower payments. The representative that I spoke to was XXXX XXXX on XX/XX/XXXX. He said that he could lower the payments from XXXX per month to {$62.00} per month for 6 months but then he required automatic payment from my bank. I don't want to do automatic payment from my bank. I am having difficulty and I need to organize my finances and pay from a source of my choice. I spent considerable amount of time on the phone for XXXX to see what the options were and in the end he came back and asked for an automatic payment to be setup. This company makes me very angry. I have paid on these loans since XXXX and though I have asked periodically for help through this last 13 years they have never been helpful. I also found it extremely problematic that they refused to recognize my in school status. This loan was for an education program to try to better myself and my career. I am considering reviewing this loan with an attorney as I am sure I have paid the loan by now and yet I have only paid half of it down. In the past I have asked them to outline what I have actually paid and they have refused to provide that information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I am a XXXX XXXX  working at the XXXX XXXX and XXXX XXXX in XXXX XXXX ( XXXX ). By following the instruction of the State Department, I applied for a commercial card from XXXX XXXX which gives me tax exemption treatment. 

My card information is : Name : XXXX XXXX Account number : XXXX However, in recent months, I have been charged with many unauthorized transactions by XXXX XXXX. After talking to its security operation office for many times, I successfully got refunded except for the following XXXX transactions : XXXX. XX/XX/XXXX : {$90.00} XXXX. XX/XX/XXXX : {$91.00} XXXX. XX/XX/XXXX : {$91.00} XXXX. XX/XX/XXXX : {$89.00} I live in XXXX XXXX, California and usually fill my tank at the stations in XXXX and XXXX. Until XX/XX/XXXX, I only own a XXXX XXXX, which tank is too small for $ XXXX diesel. 

I constantly requested XXXX XXXX to check the footage of the surveillance cameras at which those unauthorized transactions happened but got refused. According to its security operation office, they think those transactions " have a similar pattern, similar amounts and happened in locations close by '', so they decided to deny my claims. 

In short, XXXX XXXX claims that I not only stole diesel from them, but lied to them. It is an unacceptable accusation against my integrity and an outrageous humiliation to my country. 

I am willing to accept interviews and provide more evidence to clear my name and get refunds that I deserve. 

Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05 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: TX

Complaint narrative:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

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 2022-02-05 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: TX

Complaint narrative:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
from your website : CFPB Orders TransUnion and XXXX to Pay for Deceiving Consumers in Marketing Credit Scores and Credit Products they are still deceiving people looking for their credit score ..the transunion.com website will not show credit score.. has a link " to see your credit score '' only way to see your credit score from transunion .. you must purchase your credit score by signing up for XXXX per month. 

on top of that i applied for a medical loan for services not covered by insurance through XXXX  and XXXX  XXXX XXXX through my doctors office .. loan was denied information supplied by transunion siad my credit score was XXXX. 
XXXX  and XXXX show my credit score as over 700 on top of that transunion is incorrect showing my mortgage was not paid. i dont have time to correct then reapply for medical expenses loan..

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 2022-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have new and updated information regarding a complaint that I previously made. I sent CREDIT ACCEPTANCE CORPORATION a cease and desist and it was received on there end on XX/XX/22. I also followed up with an affidavit of truth on XX/XX/22 and it has yet to be rebutted line from line which stands TRUTH by law. I recently received another statement on XX/XX/22 from credit acceptance after I demanded to cease and desist which is a violation. I did not give consent for credit acceptance to contact me which is causing me personal damages. My initial letter for request of validation was sent and received by credit acceptance on XX/XX/XXXX, and there response was beyond the 30days that was given which has prolonged this. I am the original creditor which puts there company in federal violations.

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 2022-02-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief