vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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: MD

Complaint narrative:
I sent a dispute of items that were alleged to belong to me to XXXX XXXX and Transunion on XX/XX/2021. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the XXXX data breach. I would like this information removed immediately per the law or I will proceed with filing litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MD

Complaint narrative:
I sent a dispute of items that were alleged to belong to me to XXXX, Equifax, and XXXX on XX/XX/2021. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the Equifax data breach. I would like this information removed immediately per the law or I will proceed with filing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
XXXX XXXX XXXX LIST OF INQUIRIES XXXX XXXX Inquiry : XX/XX/2020 I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had a negative balance of {$820.00} and I pay them back already {$800.00}. I just want 1 reimbursement fee of either {$100.00} or {$35.00} from overdraft fees. If they cant provide me with this simple request, then I wish to close my checking account with TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXX XXXX  Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is XXXX  and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. TransUnion is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MS

Complaint narrative:
Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXX XXXX  Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is Experian and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX  is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against Experian, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.

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 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Late payments : Account Name : XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I remember paying this account on time. I am not sure how I was late in XXXX, XXXX, and XX/XX/XXXX, it didn't even match the creditor 's records. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I do not recall being late in those months. This was paid on time, I am not sure how the credit bureaus do their investigation but I've disputed this account a couple of rounds of letters now and the bureaus are still not updating the reporting of this account. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XX/XX/XXXX I do not recall being late in XXXX and XX/XX/XXXX. My statements could have been delayed during these months, but this has always been paid on time. 


Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Dates of late : XX/XX/XXXX and XX/XX/XXXX I was not late in those months. I have paid this on time.. This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
my money amounting to XXXX XXXX was lost at my paypal account XXXX. 
my account was hold for 180 days. before 180 days my money was no longer available when i checked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
DEPTEDXXXX ( Duplicate Account ) XXXX List Inquiries XXXX  - XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX-XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX- XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BEACON FINANCIAL CORPORATION
State: VT

Complaint narrative:
XX/XX/2017 i called berkshire bank and asked them for guidance because my mother got old and sick and im XXXX. I asked if they could help me because my moms house insurance lapsed due to her illness and i did not know what to do. They said sure no problem we take care of. that for if we can automatically withdraw your monthly mortgage payment and we will send you the information on homeowners insurance also. i set the auto withdrawal for mortgage. Couple months later i got a letter giving me a price of XXXX a quarter for insurance. Great thank you for your help at this difficult time in our lives. I will be in to pay .About a year to two years later, after mom back home and better she will live. I noticed i have been very short of my money. My bank informed me that berkshire bank had been withdrawing my mortgage and homeowners insurance. They had put me on commercial insurance about XXXX a year and it was with their own berkshire bank owned subdivision ( under another name ) insurance.. They own an insurance company so they put me there.. Im not a commercial company and never agreed to it. so they profited all the way big time for their own personal gain. When i called and told them i know what they have been doing and to stop automatic withdrawal, they refused. i paid my bank to have it stopped and during that time i became 2 months late on mortgage and they sent me lawyer fees for XXXX dollars. this is only one bad thing they have done. Next i called and asked to borrow on my equity and a man named XXXX laughed at me and said " You are a left over mortgage from when we bought the bank we would never have approved you based on your social security income age and XXXX and laughed some more and hung up XXXX it goes on and on i have an entire notebook on how my elderly mom and me her XXXX daughter have been and are still being treated 6 to 8 calls a week just for harassment all thru covid. they prey on the old and XXXX. There's lots more if your interested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
DEPTEDXXXX ( Duplicate Account ) XXXX List Inquiries REGIONAL XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation