vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XXXX of XXXX, the XXXX XX/XX/XXXX associated with my wifes XX/XX/XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX  ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.

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 2020-12-31 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: MA

Complaint narrative:
In XXXX of XXXX, the XXXX student loans associated with my wifesXX/XX/XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX of XXXX, the XXXX student loans associated with my wifes XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.

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 2020-12-31 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: NJ

Complaint narrative:
Ive been dealing with an issue involving Equifax and XXXX XXXXXXXX XXXX for a few months now. It was said that I was late several times so I disputed this as it was wrong. Then the matter was rectified and the account was updated to never late. A few days after that a late payment was added to my credit report. I really need this issue to be fixed and to report as on time, never late. This one issue is very painful and holding me back in life. I keep hearing different explanations for why this is allowed to go on but enough is enough. I also have not been able to login XXXX for a while now in order to submit proof that this issue has been fixed before already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my 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 2020-12-31 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: I.C. System, Inc.
State: FL

Complaint narrative:
IC Systems has been allowed to report negatively on my credit report, weekly since XX/XX/XXXX. Once I noticed how often each occurrence, I disputed each action with XX/XX/XXXX. Each action was corrected ; however, they are still allowed to report within a week of filing reporting negatively on a debt owed on my credit with one week of the first. Their reporting dates are as follows : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is excessive flagging my credit with three corrections made fromXX/XX/XXXX. I am not disputing the debt, but I am fighting for my rights u see FCRA flagging an my credit report excessively in three months.

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 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: DC

Complaint narrative:
I have not used my Alliant cashback signature Visa in months. I received no notice of the occurrence of an annually fee. Upon learning of the fee I sought to cancel the card and obtain a refund and was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 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: AR

Complaint narrative:
Im assuming that you either didnt receive my letter on XXXX2020 or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: AR

Complaint narrative:
Im assuming that you either didnt receive my letter on XXXX2020 or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.

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 2020-12-31 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: FL

Complaint narrative:
I have submitted disputes regarding some items on my credit that arent mine! Please help I am looking to get this resolved as quickly as possible.

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 2020-12-31 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: PA

Complaint narrative:
I have been sending XXXX & Transunion information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries. 

As I understand it, they have 30 days to respond, which must be made available to me by law. 

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my Transunion & XXXX  Credit Reports and after finally receiving the Transunion report, it would not allow me to proceed to receive the XXXX report. 

Then it wouldn't let me back in to get the XXXX report saying that it was no longer available online.

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 2020-12-31 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was part of the class action law suit against Santander Consumer USA. I signed the executed agreement based on the terms laid out in XXXX 0f XXXX. In the agreement I would receive a financial settlement and in paragraph 3 Santander would remove all entries regarding the account from the credit bureaus. Santander agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that Santander refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact Santander they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage Santander has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted Santander they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states Santander should have removed this entry months ago with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
I have submitted disputes regarding some items on my credit that arent mine! Please help I am looking to get this resolved as quickly as possible.

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 2020-12-31 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: FL

Complaint narrative:
I have submitted disputes regarding some items on my credit that arent mine! Please help I am looking to get this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: MD

Complaint narrative:
New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at XXXX XXXX. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from XXXX on XX/XX/XXXX, reported as fraud and XXXX said they would remove from bureau. Application for new account was removed by XXXX after fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I set up auto pay with XXXX XXXX they fail to use it and had me late for 60 days, when I realized that I called them up they told me they dont see the auto pay. I asked them to close the account and I will pay the balance. Two months ago I paid the balance off but they refuse to remove their negative report off my credit report. On XX/XX/2020 I filled a dispute with Experian but XXXX XXXX did not remove the pay off closed account off my 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 2020-12-31 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: FL

Complaint narrative:
I was part of the class action law suit against XXXX XXXX XXXX. I signed the executed agreement based on the terms laid out in XX/XX/XXXX. In the agreement I would receive a financial settlement and in paragraph 3 XXXX would remove all entries regarding the account from the credit bureaus. XXXX agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that XXXX refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact XXXX they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage XXXX has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted XXXX they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states XXXX should have removed this entry months ago with all three credit 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 explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
I was part of the class action law suit against XXXX XXXX XXXX. I signed the executed agreement based on the terms laid out in XX/XX/XXXX. In the agreement I would receive a financial settlement and in paragraph 3 XXXX would remove all entries regarding the account from the credit bureaus. XXXX agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that XXXX refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact XXXX they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage XXXX has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted XXXX they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states XXXX should have removed this entry months ago with all three credit bureaus.

Company response to consumer: Closed with explanation