vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have taken the time to inform each company that I did not provide anyone my consent to open these accounts and for sure not report them on my personal reports.it has been over 90 days since I asked for these unverified items to be deleted. Personally this is causing hardship and my rights are being violated to the fullest and being ignored is not ok! Please delete these items now.

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 2021-10-12 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: PA

Complaint narrative:
I have taken the time to inform each company that I did not provide anyone my consent to open these accounts and for sure not report them on my personal reports.it has been over 90 days since I asked for these unverified items to be deleted. Personally this is causing hardship and my rights are being violated to the fullest and being ignored is not ok! Please delete these items now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: WI

Complaint narrative:
Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 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 non-monetary relief
Consumer complaint received 2021-10-12 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: NJ

Complaint narrative:
I have submitted multiple dispute to Experian because they incorrectly show three accounts in serious delinquency. 

These accounts relate to school loans ( XXXX XXXX ( XXXX ) ), which I have automatically scheduled the payments since XXXX. 
My bank sends a check every months on the XXXX ; somehow the XXXX XXXX did not cash the checks and then reported them late, in error, to the three bureau ( XXXX, XXXX and Experian ). After I received notifications from XXXX XXXX on this issue and sent them evidence that my payments were sent on time ( i.e., on the XXXX of the month ). 
XXXX agreed this was an error and that my accounts were current and up to date. XXXX submitted a letter to the three bureaus to correct the error in my credit report. Two of the bureau ( i.e., XXXX & XXXX ) immediately corrected the issue ; however, Experian did not correct the error in my report. 
I have contacted and disputed the error at least three times in the last 10 months ; however, Experian persists in keeping the error in my credit report. I provided sufficient evidence showing them this was an error. I even provided a letter from XXXX stated the following : Loans # XXXX, XXXX, XXXX Please be advised that the above mentioned XXXX loan ( s ) with the New Jersey XXXX XXXX XXXX XXXX XXXX ( XXXX ) are current and up to date. Recent reported delinquency has been deleted on our records and is scheduled to update your credit profile with HESAAs next regular submission to the national credit reporting bureaus tonight. 

The following is additional information on the payments being disputed : Monthly Payment : {$350.00} Payable to : XXXX Payments in dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & 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 2021-10-12 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: WI

Complaint narrative:
Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 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 2021-10-12 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: WI

Complaint narrative:
Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TN

Complaint narrative:
XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! XXXX, XXXX, and EXPERIAN are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.

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 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased a car from GM financial in XXXX and returned it in 3 years in XX/XX/XXXX. There has been a disposition fee ( apparently if you do not extend or lease another car from GM the company charges you {$390.00}. I asked my dealership if I owe any money and he No. I went home thinking I am complete with this lease. Recently, I received one or two call and one email from GM to call them back. I replied to that email and inquired about the matter. Also called them and was not able to address the case. Now I see that they have put charge-off on my credit report and when I called the customer service they let me know they have been sending letters to my old address and I am not sure why GM did not email that letter? I requested to remove this charge-off and I will pay the remaining Ballance and the person I talked to said that is not something they would do.

I was planning to lease a car from GM in the past month and I don't think I have the faith in the company anymore. I am disappointed and I this has impacted my credit score a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: OH

Complaint narrative:
I paid my Account with XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan close account as Agreed and they still with inaccurate information balance the correct balance {$0.00} With Status Paid as agreed

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 2021-10-12 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: OH

Complaint narrative:
I paid my Account with XXXX XXXX  XXXX XXXX Auto Loan close account as Agreed and they still with inaccurate information balance the correct balance {$0.00} With Status Paid as agreed

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/21, I request to recall of {$9200.00} through Citibank from XXXX XXXX  but the reply was that XXXX XXXX  cant reach the Beneficiary to return the fund. I filed a complaint on the consumer protection financial bureau on XXXX XXXX  on XX/XX/21 and XX/XX/21, XXXX XXXX  asked me to dispute funds associated with the scam with Citibank. I am disputing wire on XX/XX/21 of {$8400.00} to XXXX XXXX ( account at XXXX : XXXX ), XX/XX/21 of {$9200.00} to XXXX XXXX ( account at XXXX : XXXX ), XX/XX/21 of {$2000.00} to XXXX XXXX ( account at XXXX : XXXX ) with Citibank

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 2021-10-12 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: LTD Financial Services, L.P.
State: FL

Complaint narrative:
XXXX XXXX I mailed a certified dispute letter to LTD FinanXXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 20 complaints on XXXX  they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have XXXX federal loans with Navient. I was under the impression that my student loans were in forbearance, however my repayment status changed without my knowing and they reported 90 days late to the credit bureaus. I called immediately and had them placed in forbearance but they would not remove the lateness from my account. It dropped my credit scores significantly and I have worked extremely hard to establish good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TN

Complaint narrative:
XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! Transunion, XXXX, and XXXX are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.

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 2021-10-12 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: TN

Complaint narrative:
XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! XXXX, EQUIFAX, and XXXX are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CA

Complaint narrative:
I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CA

Complaint narrative:
I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: AZ

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for TransUnion to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. XXXX and XXXX have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. XXXX has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. I have been unable to look at my credit report with XXXX. XXXX has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by TransUnion, XXXX, and XXXX. I demand that this illegal way of reporting ceases to exist 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 explanation
Consumer complaint received 2021-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have three federal loans with XXXX. I was under the impression that my student loans were in forbearance, however my repayment status changed without my knowing and they reported 90 days late to the credit bureaus. I called immediately and had them placed in forbearance but they would not remove the lateness from my account. It dropped my credit scores significantly and I have worked extremely hard to establish good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: MN

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter to Experian in regards to inaccurate and unverifiable information on my credit report. I submitted legible, required identification along with the dispute. On XX/XX/2021 I received a response from Experian stating that they did not process my dispute because my ID was not legible. They LIED! I submitted a copy of my ID, Utility bill, and last 4 of my SSN all legible. I called Experian on XX/XX/2021 and the representative confirmed that my ID was legible and they wanted to confirm it was me. I confirmed my identity over the phone and requested that they proceed to process my dispute letter. The representative denied my request and stated that I had to dispute over the phone. The representative stated that only XXXX and XXXX XXXX were the only accounts on my report in regards to the dispute letter. Experian lied again because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , and XXXX XXXX are also on my Experian report. This is costing me time and money and stressing me out. Experian did not respond to my original dispute. Nor did they address ALL of the disputed accounts regarding the phone dispute. I am demanding assistance in dealing with this fraudulent company. 

Attached Documents : Original Dispute ID Sent With original dispute Experian Response to original dispute Call to Experian Log Experian phone dispute log

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 20 complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE 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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: OH

Complaint narrative:
Received a letter from Diaz & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX dated XX/XX/2021 indicating I have a debt of {$1900.00} for a XXXX Calling Card . The letter stated that if I pay {$670.00} by XX/XX/2021 the debt will be removed. I have never had a XXXX Calling Card and this debt is not in any of my credit reports. A XXXX search shows this company has attempted this fraudulent debt collection with many others and is still in business. This is a scam plain and simple and this company needs to be held accountable for their fraudulent actions.

Company response to consumer: Closed with explanation