vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: SC

Complaint narrative:
I sent Transunion and XXXX  an envelope containing my dispute letters on XXXX. The tracking number website confirmed both received the letters on XXXX. I called and spoke with a representative on XXXX and on XXXX. The representative kept telling me they were working on my request. I never did not receive a response from neither company. It has been 4 months now. I called Transunion on XXXX and spoke with the Manager by the name of XXXX XXXX XXXX if that is his real name ) and he told me that I did not send them a dispute whatsoever. He lied about me sending them a dispute letter and he did not help me. However, XXXX  received the dispute letter on XXXX and they removed all the incorrect inquiry information for me with no problems.

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 2021-02-05 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:
I have spoken to a representative named XXXX at transunion and they are refusing to remove hard inquiries that have not been verified and or authorized. They stated they do not remove hard inquiries. I even spoke to a supervisor that stated the same thing. These items have not been verified and therefore they legally need to be removed from my credit report. The following inquiries should be removed.I explained to them the burden of proof is between them and the creditor and they refused to verify items. 

XXXX XXXX XXXX XXXXXXXX, 2020 XXXX  XXXX, 2020 XXXX  XXXX, 2020 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 Please have transunion remove these items immediately because the are breaking the 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 2021-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've provided my drivers license as well as my social to the Equifax Credit bureau. I have received several response letters requesting my ID and Social. I've mailed it in several times and now I am worried that someone has my personal information and is able to use it. If I have mailed it to Equifax over 6 times since the month of XXXX, why are they still requesting it? I have also uploaded it here to this website on a complaint. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I sent this company 2 letters asking them to validate an account they are reporting against me! The first letter went out, certified mail, on XX/XX/XXXX. THEY JUST NOW CONTACTED ME TO TELL ME THEY ARE INVESTIGATING! According to the FDCPA, they have 30 days to send me full validation of debt, they did not send that by XX/XX/XXXX, their response is in clear violation of the law! PLEASE HELP ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I received a call from a collections company about a past due bill in the amount of {$470.00}, as well as 3 letters stating the same, from Southwest Credit, a collections company. After discussing with them we found that it was for a new account with XXXX XXXX, a telecommunications company. We then called XXXX XXXX with the information and verified that we have not used their services, nor approve any use of the services under our name or credit. XXXX then informed us it was for service for an address in Texas, of which we have no affiliation. They then required that we fill out a form, downloaded from their website, and submit an FTC report on the situation. They also require past utility bills, statement notarized, proof of Identification, and to submit all info by mail or fax. 

I do think that it is very cumbersome and unprofessional that we have to prove it's not our debt, while they didn't have to do the same to verify the party involved. We didn't get an actual address or any names of anyone involved, only the collections company phone call and letter, and a brief discussion with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: NC

Complaint narrative:
Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK
State: MD

Complaint narrative:
When trying to transfer my Roth IRA from Commerce Bank to XXXX, Commerce Bank ( XXXX XXXX ) sent my funds via regular USPS on XX/XX/21. I continued to follow up with XXXX to see if they received the funds and as of today XX/XX/21 they still have not. When I spoke with XXXX ( who would not give me his last name ) at XXXX he said they wouldn't accept the funds at this point because it was beyond 10 days since the cashiers check was issued. He told me to call Commerce and have a stop payment put on the cashiers check and have it make out to me personally. I told him I did not want to do this for tax reasons, but he said that was the best way to handle it. When I called Commerce to ask them to place a stop payment on the check, and issue one to XXXX on my behalf by wire or XXXX XXXX mail, XXXX said they can't put a stop payment on a cashiers check for 90 days. My IRA is closed with Commerce, I am not earning interest on my account because the money is sitting in some post office somewhere. It should have never been sent via USPS in the first place. XXXX will not send a letter to Commerce saying they have not received funds, which is what Commerce is now requiring to make an exception to put a stop payment on the cashiers check. I have no idea where my money is, my account is closed and I am being given the run around by both institutions. I need help. I want to made whole, by having commerce wire not only the original funds, but the additional interest I would have been earning at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: MI

Complaint narrative:
On XX/XX/2020 I sent Experian, XXXX, and XXXX dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed. 
They did in fact received my dispute information and I have proof of mail service that it was received from the bureau. You all believe them and now I will be filing a claim against you all. I have proof of service that my disputes were received.

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 2021-02-05 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: OH

Complaint narrative:
I have a few accounts that I found on my report that are inaccurate and fraudulent. I believe someone has accessed a account using my personal information. Please delete the following accounts : XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
XXXX continues to report a debt that is not mine. Due to this fact XXXX has stated that they will no longer attempt to collect on the alleged {$550.00} debt. However they have not removed it from my credit report. I never authorized this account. This is not my debt and in accordance with the FCRA this should not remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA N XXXX Date Opened XX/XX/18 Balance {$410.00} I am concerned with the quality and precision of your current inspection as well as the delayed payments needed for this particular account and also how it is reporting on my credit report. Around 45 days ago I applied for an investigation because I assumed the item is just not being cited most recently. To my big surprise, I got a letter announcing that your evaluation was achieved and that the item had been " verified as correct. According to Section 1681 ( g ) make sure you provide me personally along with a summary of the process accustomed to verify that this particular account is " complete '' and post me the name and addresses of persons got in contact with per legal guidelines located in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: FL

Complaint narrative:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: VT

Complaint narrative:
I have a paid all my debt to XXXX  XXXX XXXX  XXXX XXXX loan nothing is outstanding. 

I declared bankruptcy : XX/XX/XXXX, reference # XXXX Discharged Court : XXXX name : XXXX XXXX XXXX XXXX Dispute Results Report Created On : XX/XX/XXXX File Identification Number : XXXX Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

NTL CREDIT MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Details Account Number # XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$230.00} Original Amount {$230.00} Original Creditor XXXX XXXX XXXX  ( Educational ) Past Due {$230.00} Pay Status >In Collection<

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
On XX/XX/2021 I had fraud transaction 4 times each of XXXX $ ( Total {$3800.00} Approx. ) in less than 5 minutes and I did not get any authorization code from western union. As soon as I checked my email that my money got transferred, immediately I approached Western union saying that I had a fraud transaction they filed a case and given me the case number and told me to file a police complaint. Then I went to my local police station and filed the complaint. But western union was not helping me with any updates or information regarding the fraud transaction. Somebody stolen my money using my identity from a foreign location and they authorized and approved the transaction. They did not even care to notify me via email or ask me for a validation. Even after repeated calls their response was they were acting like it was my fault as my money was stolen by somebody through them. They are not even ready to share how that happened and they only wanted to talk to police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
I have been trying to work with my lender and I have not been able to get the help I need. I even have my counselor who has been helping me throughout this process and they continue to ask for more documents. Each time when I think that they are done with my review they ask for something and we start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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:
There are 3 accounts on my credit that were included in an identity theft concern ; I have disputed these account with the bureaus since XX/XX/2020 and have included the police report as well as the FTC Identity Theft form - I didn't receive any response from the bureaus! I filed the dispute, AGAIN, on XX/XX/2020, again with the reports from the police and FTC, but yet again no response or communications from the bureaus.

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 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXX called multiple relatives and myself in different states claiming to be with each state/county judicial services and leaving messages a warrant would be issued for me if I didnt respond to be served papers. No explanation what for. After contacting XXXX number to be removed and have relatives info removed they refused and refused address for company called XXXX XXXX XXXX. Still insisted the calls are from the courts. This is probably for an old auto loan that had been transferred to Santander in XXXX. These voicemails have been saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2017, I opened a checking account with Bank of America. In XXXX of 2017, I deposited a check into the account that ended up being drawn on an account that had just been closed, although I did not know it. My account was immediately frozen. I called customer service, and they told me what had happened and suggested that I go speak to the manager of the bank branch where I had opened the account, who should be able to lift the freeze. 

When I went to the bank to see the manager, I was accompanied by my XXXX  granddaughters, who are XXXX. The manager stared at them, and it was obvious to me that because he was white, he was making a XXXX judgment on me ( I'm also white ) for having XXXX grandchildren. He was very rude to me and told me that because the deposit I made was returned, it caused several checks I had written to bounce. Although the account was not overdrawn, because I had bounced a check in the first 30 days, he said that bank had to close my account. The manager returned to me the money that was still in the account, and closed it during my visit. He assured me that there would be no negative reporting ramifications from the closure, as it was not my fault. 

Recently, I attempted to open an account with a different bank and was denied. I obtained a copy of my XXXX  Report ( as recommended by the denying bank ) to see why I had been denied, and I noted that Bank of America had reported me to XXXX in 2017, indicating they had closed my account due to " suspected fraud ''. This is completely inaccurate. The XXXX report also indicated that I had an unpaid amount owed to BofA as a result of the closed account, which is also inaccurate. 

I contacted BofA several times to request that they remove the false information from XXXX, but the customer service reps I spoke with said they were unable to do so, but could not provide me any valid reason why ( as they agreed with me as to why my account had been closed and confirmed I did not owe BofA any money ). 

The false and negative report by Bank of America to XXXX is preventing me from opening any bank accounts, which I need to do for my small business. I am being harmed severely every day that the false information remains on the 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 2021-02-05 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: NC

Complaint narrative:
Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation