vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
XXXX XXXX account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs

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 2021-11-16 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: GA

Complaint narrative:
XXXX XXXX account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
XXXX XXXX  account # XXXX, disputed this many times over the last 2 years and came back verified event thought all information was wrong and was being reported differently by each bureau, supplied hard copy info and they ignored and refused to investigate, after having reporting incorrect information for the last 2 years, violated my right to have only 100 % accurate information on my report XXXX has already removed this entry

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 2021-11-16 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: GA

Complaint narrative:
XXXX XXXX  account # XXXX, disputed this many times over the last 2 years and came back verified event thought all information was wrong and was being reported differently by each bureau, supplied hard copy info and they ignored and refused to investigate, after having reporting incorrect information for the last 2 years, violated my right to have only 100 % accurate information on my report XXXX has already removed this entry

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 2021-11-16 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: GA

Complaint narrative:
XXXX XXXX XXXX account- i have never done business with them and credit bureau has failed to provide any documentation with my signature after being requested, item was removed and then reinserted 2days later, it is also being reported as a closed account now, at first it was reported as a collection but they keep changing its status .. i have never opened an account with them, therefore i can not have a closed account this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: National Enterprise Systems, Inc.
State: TN

Complaint narrative:
I called XXXX XXXX who is the one who reported on my credit. They said they charged off the account it was sold off to NES. NES sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. XXXX XXXX  rejected my dispute, so I then sent more information to XXXX. Documentation from NES showing the account from XXXX XXXX was paid and I now have a XXXX balance. XXXX XXXX refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. XXXX XXXX  is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!

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 2021-11-16 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: OneMain Finance Corporation
State: TN

Complaint narrative:
I called One main who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. One main rejected my dispute, so I then sent more information to XXXX. Documentation from XXXX showing the account from One Main was paid and I now have a XXXX balance. One Main refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. One main is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I have received reports from XXXX and XXXX that Flagship is reporting a debt on my consumer report, I have asked for validation of this debt numerous times that is reporting inaccurate, Flagship is reporting inaccurate and illegal chargeoff of my consumer report. i have sent off letter to Flagship on XX/XX/2021 via certified mail U.S. Postal XXXX, the letter asked them according to my consumer rights to enclose all information that this vehicle was repoed in compliance withing the laws of Texas, they are reporting inaccurate information to the Bureaus of inconsistent this is violation of the FCRA. They are in violation and I will seek my lawyer if this is not rectified in the ordiance for them to remove this. It has been pass 15days, they have received the letter in their office on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These addresses should not be reporting to my credit report as this is inaccurate information and I have requested this information to be removed 90 days ago. 



XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received an updated copy of my Experian credit report and notice Experian is providing a Fake fico credit score, I filed a dispute with Experian after noticing several unauthorized inquires were made on on my report without my permission. Several days ago Experian removed 4 of those inquires and updated my report, but my credit score never changed. I called multiple times to address this issue and no one seems to have an answer. 

This is not the first time Experian has provided me with a Fake Fico credit score or credit score that never updates.

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 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX - I noticed 211 fraudulent checks had been withdrawn from my acct. the checks are not my checks ( they have a different maker and signature ). The total of these 211 checks is {$12000.00} and suntrust has done nothing to resolve this error. The investigator has never even called me to speak about the case- the fraud case number w suntrust/truist bank is XXXX. I have contacted the fraud office on XXXX original report of incident - XX/XX/XXXX went to local branch to find help - no call back XX/XX/XXXX called fraud unit - no response - filed complaint w bank XX/XX/XXXX called fraud unit - no response - filed complaint w bank XX/XX/XXXX - received a call from XXXX XXXX in reference to my complaint- told me she had 15 days to look into complaint. 
Well it has been 2 months since my funds were stolen out of my account and not one word from Truist/suntrust bank //. The sad thing is I have been a customer of the bank since XXXX when I opened my business.

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 2021-11-16 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: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same

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 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WAFD BANK
State: IL

Complaint narrative:
A few months back Washington Federal or XXXX with headquarters in XXXX, WA, sent me my escrow. On this escrow, it showed the bank paid my insurance company a second payment for {$1200.00}. The insurance company said it never received the money. I talked to several people in XXXX and the concern was unsolved. 
Today I am concerned Bout a balloon payment because I will end my loan in 2024. I requested from XXXX a disclosure statement that tells me what exactly I owe the mortgage. 
They declined to give me anything. So I made an appointment with their bran in XXXX XXXX XXXX with all my questions sent prior the meeting. The manager did not answer my questions until he could talk to XXXX. A few days later he said I could do payments to the principal to his XXXX XXXX branch however did not sent me anything in writing. 
I am concern about sending more money if I don't know where this money is going. 
I sent {$3000.00} dollars to the eacrow this year and my payment was not reduced, it got higher. 
I am concerned and would like transparency about what I owe. 
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 2021-11-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same

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 2021-11-16 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this 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 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau are reporting inaccurate information on CREDENCE RESOURCE MANAGEMENT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this collection account from my personal file. 
CREDENCE RESOURCE MANAGEMENT XXXX Date Opened : XXXX. XXXX, 2021 Balance {$270.00} CREDENCE RESOURCE MANAGEMENT ( XXXX XXXX  ) ***** Date Opened : XXXX. XXXX, 2021 XXXX {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated

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 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have a Dependent Care FSA account through the XXXX XXXX Health Equity. I requested a payment from Health Equity of {$190.00}, which was paid from Health Equity to my Bank of America account on XX/XX/2021 through ACH. Bank of American never posted the {$190.00} to my checking account.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am consumer, alleged obligor, natural person and original creditor, as originator of consumer credit transaction lent Discover my accounts payable social security credit card number as cardholder and card issuer to accounts receivable secured consumer credit application and received access device Discover card. I as a natural person possessing an open-end credit plan was injured by Discover. 
Discover was directed to cease collection efforts and communication with third persons in honor of my right of privacy and confidentiality per 42 USC 408a ( 8 ). Discover took adverse action and closed my account without my consent unfairly. cardmember agreement specifies it is subject to governing law of federal regulation for which the right invoked was exercised in good faith. Discover despite forfeiting its right to collect for the adverse action take continues to deliberate report personal information to third persons without my consent. I have advise third persons that I revoke the right to report from Discover and for them to honor my right of privacy. XXXX XXXX  has complied. All others have sided with the furnisher regarding my consumer information alleging that the debt is verified in violation of 15 USC 1692b ( 2 ). Discover is now civilly liable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
This ( Hyundai Finance co. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from HYUNDAI and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by HYUNDAI finance co. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.

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