vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is refusing to activate my credit card due to a fraud alert placed on my card after it's approval. This is the second card these restrictions were placed on after it's approval. I have XXXX other accounts with this company which includes an authorized user account. I've spoken with several reps which all have given a different reason why my account is flagged for fraud. Whenever I asked for an explanation of fraud I was told that it's their process. In XXXX restrictions was placed on my card after it was shipped. Capital One requested a copy of my ID stating that it's the application process. The first week of XXXX I received a pre-qualified online application which was approved. On XX/XX/XXXX, I received a letter requesting that I contact Capital One for additional info to complete the processing of my application. A day or so after the card was shipped. I was denied activation once I received the card due to a fraud alert placed on my card for no apparent reason. I was asked to submit a copy of my ID, proof of residency and my social security card. These items were submitted but deemed unacceptable. I didn't feel comfortable to submit my bank statement in it's entirety to verify my address. Today I uploaded my ss card and the first page of my online bank statement. It was rejected by a XXXX stating that it was fake and that my account number need to be on the front page and all pages should be submitted. My bank account number has nothing to do with verifying my address. The previous rep stated that the bank will be contacted to verify my identity, this is unheard of. This process sounds fraudulent. Capital One shouldn't be allowed to contact my bank with my personal information to access my account for any reason, that's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I had recieve a notification from my bam saying that my account is locked. For absolutely no reason I went & try to log in on my online bank account but it didnt let me log in it says the system is not working please try again i have been calling my bank representatives was not giving me any good reason why my account was locked I have been calling for almost XXXX times a day I dont get no response and they hang up because they said they cant verify me, like I really dont understand how they cant certify me. I had provided them all the info they had asked me and I had also give them my card but they said I have to wait XX/XX/48 hours they always tell me this whenever I call they have my money literally Im going through it Ive been crying for days after days I might get kicked out my apartment next week because I didnt pay for XXXX apartment for this month on XX/XX/XXXX and I have the money already but is in my bank account and my bank just used they power on me and closed my account for absolutely no reason I have been starving here for the XXXX asking my XXXX XXXX XXXX sister to borrow me money and all she borrow me is XXXX dollars Im a grow men going through all this like they have me really frustrated I swear I need my funds back from my bank they using me im FRUSTRATED!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The TransUnion Credit Bureau is reporting inaccurate information on XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2021-12-04 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: International Computer Systems, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on FIRST COLLECTION SERVICE. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: Nelnet, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. I have read enough to understand my rights. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET XXXX XXXX XXXX  XXXX, XXXX Balance {$600.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXX Balance {$440.00} ; DEPT OF ED/NELNET XXXX XXXX XX/XX/XXXX Balance {$1900.00} ; DEPT OF ED/NELNET XXXX OpenedXX/XX/XXXXBalance {$3600.00} ; DEPT OF ED/NELNET XXXX XXXXXX/XX/XXXXBalance {$3800.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$2100.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$1900.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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:
I been sending Transunion disputes the last XXXX months about a false bankruptcy on my credit report. However, they are not properly investigating because XXXX and XXXX are not reporting this false bankruptcy. I even contacted XXXX and they also have no record of it. Transunion is clearly violating my right to have an accurate 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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I was preapproved for a mortgage on a home in NJ. I'm a first time home buyer with excellent credit and 20 % down for the purchase. Rocket Mortgage/Quicken Loans approved the mortgage and informed me there were no issues and we would close on time with no problems. One day before closing, Rocket/Quicken informs me of an issue with the home being in probate. I was not aware of this and 1 day before closing is not the appropriate time to tell me this. They then proceed to have the loan looked at by their research team who comes back and tells me the loan is no longer approved. This is 1 day before I close on the home. In addition this was a relocation and my goods being relocated were on schedule to arrive to the home after the weekend I closed. Due to Rocket Mortgage incompetence, I had to scramble to reschedule the relocation truck, cancel a XXXX reservation and track deliveries that were scheduled after the closing. I'm wondering how/why Rocket/Quicken can do this after approving me and after all their requests were approved by attorney review and title review. Can you assist in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

CREDIT COLL ( Original Creditor : XXXX XXXX  ) is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 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 public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. 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 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 2021-12-04 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: AR

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TRANSUNION. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TRANSUNION has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX. XXXX XXXX XXXX Date XX/XX/2021 ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX  XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX CO Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
I had a previous Discover credit card account that was discharged under Chapter XXXX Bankruptcy on XXXX XXXX, in the United States District Court District of XXXX XXXX XXXX. I have applied twice for a Discover Secured credit card, but both of my applications was denied due to the previous Discover account that was discharged in bankruptcy court. I want to know when will Discover Bank allow me to apply for, open up, and get a Discover Bank secured or unsecured credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental XXXX damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage 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 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX/XXXX/2021 : After becoming a victim of identity theft, I called up Equifax to report a fraud alert. After the fraud alert was set up, I purchased the EQUIFAX XXXX credit monitoring software for {$10.00} a month and logged off for the night. Everything appeared to be working XXXX/XXXX/2021 : The next morning, I tried to log in to my account but was told that my login information was not acceptable which is false. I attempted to reset my password online but I keep receiving the message " We are temporarily unable to complete this request. Please try again later ''. I attempted to call the hotline several times, but am stopped from talking to a XXXX XXXX XXXX because my personal information to verify my data is " not correct ''. False. 

Following up with this, I sent them an email XXXX XXXX, but have not received any response from the company. For a credit monitoring company that is supposed to protect me from identity theft, they are very lax with their approach. 

I can not use the credit monitoring software that I paid for and can not talk to anybody from Equifax to verify that fraudster ( XXXX ) are attempting to open up more credit cards in my name. I am absolutely mortified. Additionally, I am paying for software that I can not use. Should have never used this company but I purchased the monitoring software out of desperation without any research.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: LEXISNEXIS
State: CA

Complaint narrative:
I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my TransUnion credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a XXXX XXXX reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but TransUnion still refuses to delete these public record entries from my TransUnion 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 non-monetary relief