vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I filed a Bankruptcy XXXX  XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX  XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted Fifth Third bank, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXXA specialist from Third Fifth bank, Bankruptcy Deparment named XXXX XXXX told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the Fifth Third Bank had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
On XX/XX/2023 XXXX XXXX responded to my Consumer Financial Protection Bureau complaint XXXX stating that the late payments were accurate. XXXX XXXX failed to assure that I XXXX XXXX the consumer received all statements before the due date. How can XXXX XXXX complete an investigation without contacting the consumer for a declaration to verify accuracy? I never received a call or email about this investigation of this billing error. XXXX XXXX failed to provide a Method of verification.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 XXXX XXXX responded to my Consumer Financial Protection Bureau complaint XXXX stating that the late payments were accurate. XXXX XXXX failed to assure that I XXXX XXXX the consumer received all statements before the due date. How can XXXX XXXX complete an investigation without contacting the consumer for a declaration to verify accuracy? I never received a call or email about this investigation of this billing error. XXXX XXXX failed to provide a Method of verification.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The courthouse didn't do anything but instead they said there wasn't anything that they could do for me. They wouldn't provide a letter or anything. All 3 credit bureaus are reporting these as bankruptcies and it's hurting my credit drastically.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I noticed a collections record on my Experian credit report and immediately took action to notify Experian of the incorrect information. However, the online reporting system that I was guided to use does not work. Please remove following record from my Experian credit report : Report # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : XXXX, Account type : Collection, Responsibility : Individual, Date opened : XX/XX/XXXX, Status : Collection account. {$520.00} past due as of XX/XX/XXXX, Status updated : XX/XX/XXXX, Balance : {$520.00}, Balance updated : XX/XX/XXXX, Recent payment : -, Monthly payment : -, Original balance : {$520.00}, Highest balance : -, Terms : 1 Months, On record until : XX/XX/XXXX. In addition to this request, I have reached out to the creditor to validate the debt but they have failed to do so and I have not heard anything back from them.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 00:00:00
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES, BECAUSE ISNT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES, BECAUSE ISNT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from the US Department of Education notifying me that my student loans have been forgiven in full by the XXXX - XXXX Administration, and have been paid off in full. The loan discharge is effective as of XX/XX/XXXX. This notification also contains the following statement : " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' On XX/XX/XXXX, I checked my credit report with all three Credit Reporting Agencies. All three reports were incorrect- they still showed the full outstanding balance on my student loans. 

I filed disputes with all three Credit Bureaus. XXXX and XXXX corrected the erroneous reporting within the 30 day deadline. XXXX and XXXX now correctly show that the loans have been paid off. 

Experian notified me of their dispute resolution on XX/XX/XXXX. Experian did NOT correct the loan amounts outstanding. Experian updated the amounts with a larger amount due, which is also incorrect, and which caused my credit score at Experian to drop by XXXX points. 

Evidently, Experian did not do any research on my dispute. Consequently, Experian is in violation of the Fair Credit Reporting Act as of XX/XX/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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX XXXX and the Account number is XXXX with a Balance of {$990.00}. This should not still be showing up on my credit report. This account was open XX/XX/2015 and the account was settled. This account is way past the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My personal information was used to open XXXX XXXX XXXX credit card ( account # XXXX ). I attempting to put a dispute in with XXXX XXXX XXXX multiply times to no success. The company is ignoring my claim that this account was opened fraudulently and is holding me accountable. This is also being reportedly negatively on my 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 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
Since XX/XX/XXXX, my employer has been sending $ 400 monthly to Edfinancial. However, Edfinancial has only cashed one check for XX/XX/XXXX, leaving {$3600.00} unaccounted for. My employer can not reissue the funds until Edfinancial returns the uncashed payments. Despite contacting Edfinancial on XX/XX/XXXX, they indicated that the missing checks are likely in a pile and will be credited eventually. When I asked to investigate further, I was denied, and my employer 's protocol states that checks should be returned after 90 days if uncashed. These funds have been missing since XX/XX/XXXX, resulting in unnecessary interest charges on my loan due to Edfinancial 's delayed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have never made these inquiries I want it to be deleted XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
XX/XX/23 XX/XX/23 XX/XX/23 I have been asking and submitting information about an item they have but this will not issue me ang WRITTEN notification ( s ). All I get is the RUN around. Bad customer service. No validation on/for what the say in written form!! 
XXXX TRS Recovery Services , Inc. XXXX XXXX XXXX XXXX, GA XXXX XXXXFax

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Good Day, I am having an issue with a bank that involves an auto loan with Santander Consumer USA. I submitted a complaint with The Attorney Generals office and XXXX  in regards to this company. Billing me for my auto loan in which the bills were paid by the cut off date of the XXXX of each month. However, what the company say I was billed for was not applied to my account. Which prompted me to initiate a complaint as mentioned. I was billed for late fee which in fact I was not late. Some of the late fees were waived and or credited however there have been payments that were made and not credited to my auto loan. I asked for an extension for the payment for the month of XXXX. I was told that I could not be assisted because I filed a complaint with The attorney Generals office, not for no other reason explained from the XXXX office of this company per the representative on XXXX the XXXX XXXX. I was told that I needed to fax in a letter stating I am no longer in litigation which I am not but I needed to accept their terms to be assisted with The extension. I need to know where exactly should this new complaint be filed. 

Respectfully, XXXX XXXX XXXX XXXX as of today I was told I could not get an extension due to not paying XXXX consecutive payments. My. Account was current when I requested the extension back in XXXX for XXXX. I was told I needed to fax in a letter stating that I was no longer in litigation to get assistance. I have not received any responses via email after repeated request nor via postal mail. 

It appears that I was discriminated against because I filed a complaint about wrong doings and faulty practices of Santander Consumer USA. 

My issues with my auto loan The loan was established in XX/XX/XXXX for a XXXX XXXX XXXX for {$27000.00}. My loan balance is still {$25000.00} with monthly payments of {$710.00} with 1 or 2 payments deferred. I believe that I am a victim of abusive loan terms on borrowers, including high-interest rates, high fees, A targeted vulnerable individual with poor credit, low income when the loan was established Discriminatory / PREDATORY lending practices were used. I have paid over {$15000.00} on car payments thus far. My balance does not reflect hardly any of those monies. Its a issue at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have been on student loans that were not mind for over 15 years. This company changed information and consolidated loans without my knowledge and changed incorrect information to suit this company. It's sick! 

This company has agreed to removed my name off these loans that are not mine, and failed to follow through. 

These loans have ruined my credit not allowing me to use my credit. They have forged legal contract documentation and is not held accountable. 

I have the right to have my cased looked at again. The attorney generals office sent a letter on my behalf, XXXX  XXXX office has sent a letter on my behalf and navient does nothing. I have a signed divorce with a with a judge signature to remove me and navient does nothing. 

Navient policy states a co signed can be removed after two years of on time payments. Two years are completed and they still refuse to remove me. 

I don't understand the need to keep me on loans I did not agree to be on, how is this not illegal how do they get away with it! How can they ruin a single mom of XXXX kids ability to provide for them. HOW IS THIS LEGAL! 

And for the CFPB how do you allow a simple answer from a company determine creditably??? Of course this company doesn't want to take responsibility I thought that is what the CFPB is for to help the consumer!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have been working with Experian for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX and XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and Experian refused to work further on investigating. I have made multiple calls to Experian, and they have been extremely unprofessional and rude.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Today is XX/XX/2023 and Im unable to you my card for the last pass week. I asked robinhood what was the issue and why they restricted my account they was unable to give me a reason. I been having account for a long time now Im unable to use my account and I have {$480.00} dollars on my account that I would like to use. I already verified my information like ID SSN selfie pictures And ect. Still no help from robinhood they are truly scammers

Company response to consumer: Closed with explanation