vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I received notice through my credit monitoring app that I had a number of collections posted to my credit reports. These accounts are not mine. At or around XX/XX/2021 I submitted letters to XXXX, XXXX  and TransUnion requesting verification of these collections/ charge-offs and to see proof that these accounts were mine since I am the only one who can truly verify this debt. I did not give them permission to share this information. It has been over 30 days and have not received an updated report, nor any documents with signature from the companies in question, even the bureaus. They are in violation of FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) as well as 15 United States Code 1681i for no response within a reasonable time limit. Accounts in question : XXXX {$2100.00} XXXX XXXX {$660.00} XXXX {$0.00} XXXX  {$14000.00} I am acting on my own behalf. I do not authorize anyone or third party to act or verify who isn't 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 2021-06-13 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: NC

Complaint narrative:
Experian is reporting information on my credit report that I do not have knowledge of. I have asked Experian on the following dates the questions below. 
XX/XX/2021 XX/XX/2021 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX The companies above and your company DID NOT notify me 5 days before placing these accounts on my credit report which os a clear violation of my rights under the FCRA. Please remove these accounts immediately. Please provide all of the information below for all of the accounts I listed above. 

What is the date of first delinquency? 
What is the date of last payment? 
How was this account verified with my full legal name, date of birth, and social security number? 
What is the address on file with the account? 
What is the phone number of the company providing the information to your company? 
What is the address of the company providing information to your company? 
What is the date of the original contract when the account was opened? 
Was the information sent to your company by electronic mail, facsimile, XXXX, USPS, XXXX, XXXX, or another secure method? 
What is the name of the person that is providing information to your company? Is it someone from the company or a third party? 
Please provide a clear copy of a contract for each account showing my name, address, and signature. If your company can not provide all of the information I am requesting, please remove the accounts from my credit report immediately. 

Experian never answered any of my questions and none of these companies sent me a letter in reference to the accounts they reported to Experian. 

Experian has been notified by mail more than 10 times to correct my name. I have sent them a clear copy of my Passport, social security card, and current bill showing my name and address and they refuse to correct my name. Experian has my name listed as XXXX XXXX and my name is 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 2021-06-13 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: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I placed a phone call to what I assumed was XXXX to rectify an issue with an order that I thought was not for filled and that I was charge for little did I know it was a fraudulent URL that linked me to scammers that convinced me that I was going to set up some accounts to get my refund cabinet back onto my card they had me download quick support and I remitly I assume when downloading those abs that there was a way that XXXX online grocery had found a way to give customers back their money a credit it to their original method of payment because generally when I return things for my XXXX online grocery I am always repaid baggie with a debit card your mouth monthI assume when downloading those abs that there was a way that XXXX online grocery had found a way to give customers back their money a credit it to their original method of payment because generally when I return things for my XXXX online grocery I am always repaid baggie with a gift card so I went along with this scheme not knowing that later on to discover that these guys were scammers and that they had taken almost {$2000.00} from me when I discovered what they were doing when I was downloading the app and go on two different steps I mediately disconnected the phone and I went up to my bank to let them know what happened my bank is XXXX XXXX XXXX they closed off the account and which one of those returns from the transfer a company was reversed and it was refunded back by the other one has not been refunded back XXXX XXXX XXXX why I my bank refused to assist me with this matter and told me to contact a Remitly and Ive contacted remitly and Ive been told different stories that the money will be refunded and maybe the bank hasnt refunded it back a lot of different things in unless I submit all of my statements to them and then finally they told me that they cant refund the money back because once its transferred its transferred and theres no way to track it and they have suspended my account girl and my bank and said the same thing that they cant help me get it back because I set up the account and gave them the information to the scammers and my bank XXXX XXXX XXXX was very very rude to me and Ive been a valued customer and my bank XXXX XXXX XXXX was very very rude to me and I've been a valued customer I am beyond frustrated and I know nowhere to go or how to get any assistance to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They have been sending me emails everyday threatening to sue me or have me put in jail for i dont pay debt i own i lost my income so i am unable to pay the collection i date have the dates but this situation have really put me in a XXXX really bad and the fact that i can pay the collection {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This settlement stems from a multistate investigation of Santanders subprime lending practices. The attorney general and other coalition members alleged that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. It alleged that Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees and high payment-to-income ratios. 

The attorney general and the coalition also alleged that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. 

Finally, the coalition alleged that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

In addition to providing relief to consumers, Santander in the future is required to factor a consumers ability to pay the loan into its underwriting considerations. 

My loan was open XX/XX/XXXX my APR was 16.65. I put a down payment of {XXXX} my payments were {XXXX} a month for 72 months. I defaulted after a year of on time payments and the truck was picked up in XXXX of XXXX. Santander closed the account in XXXX of XXXX and still reported a late payment in XXXX of XXXX. And they changed the date of the last payment to XX/XX/XXXX when it was actually XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a Hard Inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX or XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a Hard Inquiry on my credit report from XXXX/ XXXX XXXX XXXX I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: KS

Complaint narrative:
I have made dozens of requests for my credit report since XX/XX/XXXX, which TransUnion ignores and refuses to send me my credit report. I have made the requests in writing, on my TransUnion account online, and on XXXX. After multiple refusals, I contacted TransUnion by phone and was told that because I have a security freeze on my credit report, they are NOT ABLE to release my credit report online. 

On XX/XX/XXXX, I again attempted to retreive my credit report from Annual Credit Report, which was refused and required a written request. Please see attached documentation. 

On XX/XX/XXXX, I attempted again to retrieve my credit report from TransUnion on my account after logging in. Please see 3 pages for the requests which was refused. Their website says I am able to request a credit report every 24 hours, which is false. 

On XX/XX/XXXX, to test a theory that TransUnion will not provide a FREE copy but will provide a PAID copy, I signed up for the credit monitoring service on TransUnion 's website. I was able to set up an account very easily and TransUnion did not request an information to verify my identity and PROVIDED A COPY OF MY CREDIT REPORT. Please see attached. 

TransUnion is refusing to provide me with a free copy of my credit report and is forcing me to purchase it in order to access it. The representative with whom I spoke in XX/XX/XXXX gave me falsified information regarding the inaccessibility of my credit report online because of a fraud/security freeze. I have had a security freeze on my credit report since XXXX and only for the past six months have they refused my credit report online. 

I have also attached several documents of proof of identity and address so that TransUnion has no excuse of dismissing or ignoring this complaint referencing proof of identity.

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 2021-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My account has been on hold and funds not available since XXXX XX/XX/2021 I receive a ppp loan in my savings account for XXXX capital one has given me a run around and has said to close my account but yet I havent received a payout check and my account isnt closed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: U.S. BANCORP
State: MN

Complaint narrative:
I have a bank Credit card with USbank and have had it for awhile now. Every month I pay on the card for previous months purchases. I have been calling them and finding out that as soon as I pay my card they are allowing purchases to go through on my card. Purchases I dont authorize. I only have 3 things that I want to use this card for. But I cant because I find out every month that its being used elsewhere. I am continuing to try to get them to stop the charges that I dont authorize. But they continue to allow them monthly.

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 2021-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: CO

Complaint narrative:
On Monday XXXX XXXX I received an email from credit karma about mt account and debit card that I thought I lost. I than transferred from {$100.00} from my XXXX account tnuto my credit karma account. On Saturday XXXX XXXX I called XXXX and found out that credit karma had taken all the money out of my XXXX account I put a stop payment on my account right away. I tried to get a hold of credit karma and could not find a number to call them. I did find out that they are located in XXXX & XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: NY

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XX/XX/XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services located at the XXXX XXXX XXXX, XXXX XXXX. Contact number XXXX. This company purchasing accounts from creditors that has be filed under bankruptcy and or dismissed and reporting accounts to the credit agencies as valid and collectible dept. I contacted the credit agencies and was informed to contact CFPB to have issues resolved due to the fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: ME

Complaint narrative:
My credit score, previously high 700s to to 800s took a large dip and my free credit monitoring service, XXXX, that my credit score went to the mid and low 600s. I received an alert that my email was 'found on the dark web '. Two fraudulent charge accounts were noted as past due, one was XXXX XXXX. I do not have/use a XXXX  credit card. ( the other was a XXXX/XXXX  account ). XXXX was very good in responding but XXXX  continues to show as delinquent on XXXX, Transunion and XXXX. 
I would like the XXXX  charge removed. They are aware it was fraudulent. 
I've contacted them by phone, initiated the Federal Identity Fraud report, and have sent the IdentityTheft letter disputing to XXXX XXXX  but they have still not taken it off my credit report asking them to close the unauthorized account and remove charges. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD Account numbers XXXX and XXXX are all I have on their report ( I don't have the cards ) Phone call to them in XXXX they told me they had no account information using my social security number etc. and that this means it was fraudulent but still have not taken action to rectify. 
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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Following Inquiries are Unauthorized. 
The Bureau was notified _XXXX XXXXXXXX XXXX XXXX XXXX _XXXX XXXX XXXX XXXX XXXX I did not give permission for the Inquiries to be reported on my profile Please Remove Immediately for this is a violation of FCRA policies Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
The collector says I owe {$1300.00} for breaking a least with XXXX XXXX  XXXXin XXXX, NC in XXXX, they sent me a copy of the lease from XXXX, that shows a lease from XXXX, told them I moved to XXXX, NC XXXX XXXX, ask them to send me lease that showed I was there and to remove from my credit report they haven't done either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
My credit score, previously high 700s to to 800s took a large dip and my free credit monitoring service, XXXX, that my credit score went to the mid and low 600s. I received an alert that my email was 'found on the dark web '. Two fraudulent charge accounts were noted as past due, one was TD Bank/Target. I do not have/use a Target credit card. ( the other was a XXXX/XXXX account ). XXXX was very good in responding but Target continues to show as delinquent on XXXX, XXXX  and XXXX. 
I would like the Target charge removed. They are aware it was fraudulent. 
I've contacted them by phone, initiated the Federal Identity Fraud report, and have sent the IdentityTheft letter disputing to TD Bank but they have still not taken it off my credit report asking them to close the unauthorized account and remove charges. 
TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD Account numbers XXXX and XXXX are all I have on their report ( I don't have the cards ) Phone call to them in XXXX they told me they had no account information using my social security number etc. and that this means it was fraudulent but still have not taken action to rectify. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have tried multiple times to email and contact Gemini with no response at all, they have have my money and I have no way to access it due to them not verifying my account t

Company response to consumer: Closed with explanation