vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: MD

Complaint narrative:
I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all XXXX credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated 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 non-monetary relief
Consumer complaint received 2022-01-17 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: MI

Complaint narrative:
I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX  XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with XXXX, XXXX, and Transunion without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.

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 2022-01-17 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: MI

Complaint narrative:
I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX  XXXX {$320.00} XXXXXXXX XXXX- XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with XXXX, Equifax, and XXXX without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
I received a letter from Credit Collection Services dated XX/XX/XXXX advising of a debt. I contacted Credit Collection Services that stated I only had till XX/XX/XXXX to pay said debt. This is clearly a violation of the Fair Debt Collection Practices Act section 1692G. 

I have notified the agency of my intent to file suit under both the FDCPA as well as under the Kansas Consumer Protection Act. 

I have attached said evidence to support these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: LA

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-17 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:
I have reported and had this account investigated multiple times with Experian and XXXX but both credit bureaus failed to update the inaccurate reporting. XXXX has continued to re age this account. Attached is evidence that XXXX has re-aged this account again in XX/XX/2021 which is a violation. The date of last active is totally different from Experian and 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 2022-01-17 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: LA

Complaint narrative:
OnXX/XX/XXXXXXXX XXXX  ran y credit with y knowing and permission and they answered claimging to find out where I work and live Can they run your credit to find out Information just because they want to when they can just call you and get it Transuniom is reporting this knowing that they are doing this illegally

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 2022-01-17 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have 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. I want an answer 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 2022-01-17 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:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for Consumer ADJ which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XXXX I received an email from Navient ( Loan servicer ) stating that my loans were being transferred to XXXX XXXX New Loan Servicer ) stating in a few weeks my loans would be transferred to XXXX. Navient included a checklist of what to expect and that not much would change that I would be working with AidVantage instead of Navient, so I called to see if I needed to do anything or if my payments was due, I was told that no payment was due and I was reminded that the Virus delay was due to end and my payments would resume in XX/XX/XXXX. On the morning of XX/XX/XXXX I checked my credit to find that Navient had placed a 30 day past due collection on my credit report as of XX/XX/XXXX. Remind you, I had contacted them, they had contacted me and I was never informed that any loan was in the repayment process, let alone past due. I'm very upset with Navient, they did the same thing once before in XXXX of last year, only difference they put a 90 day default on my credit report during the 1st mandated Presidential delay of repayment for student loans and they did not remove the default notice on that one either. Navient has a practice of student loan payment abuse, which is noted in XXXX XXXX XXXX XXXX XXXX and also in XXXX XXXX. XXXX XXXX XXXX. Navient should be held accountable for the distruction they are causing in borrowers ' lives, with falsifying repayment documentation. None of these federal loans should have been in any repayment process during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed 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 2022-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Hi, I applied for a loan with Chase to refinance. The process was slow, lack of communication, lack of reaching back on a timely manner which caused delays upon delays which resulted in certain documents expiring. 

I would communicate on a timely manner on documents they would request for over and over again ( even thought I had provided such documents ). Frustration developed and it appeared to me that they did not want for me to refinance. I have excellent credit score and never have I missed a mortgage payment. I invested time and money on the refinance process. I felt they were disrespectful on how they handled the loan process. 

I informed them that I would file a complaint. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I went to XXXX school at XXXX beginning XX/XX/XXXX. I worked hard, went to school summers, and graduated in XXXX of XXXX. I borrowed student loans to pay for my education. The university made it seem like they were giving money away. BUT, I signed the papers and borrowed the money. I borrowed about {$26000.00} for each year I attended. My student loan debt was well below {$100000.00} when I graduated. Once I graduated, I could not find employment, and worked in other jobs. I found paying off my loans to be very difficult. The loan servicing company was constantly telling me to defer or forebear. No one ever told me that I wouldn't get a job, and that the interest would continue to accrue to unimaginable amounts. I at {$30000.00} more now than I did when I graduated from XXXX school, after 25 years of on and off payments. I have been paying this debt off for he last 24 years, and my current balance is {$120000.00}. This seems egregious to me. I feel that my servicer was constantly just putting me into forbearance. No one would ever lower my payment to something affordable. This seems just blatantly wrong to me. This is as bad as what XXXX did to their borrowers. I need help. I am a public school teacher, everything has gotten so expensive, and prices are going up and up, but my paycheck doesn't increase, and now I can't even get a forbearance because I have exhausted all options. How do you exhaust all options unless? I have paid at least {$50000.00} of this debt, but my debt keeps growing. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: MD

Complaint narrative:
I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all 3 credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: MD

Complaint narrative:
I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all 3 credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated 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 non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
OVERVIEW VISA Prepaid Gift Cards do not live up to their package advertising, " A VISA Card is always enjoyed and never returned. '' Also their Customer ( NON ) Service is designed to prevent customer financial recovery due to fraud that their systems do not prevent. 

XXXX Two {$100.00} XXXX XXXX XXXX were purchased at XXXX and activated. Total Cost {$210.00}. 

XXXX Daughter in Law received cards and attempted to use. Purchases had already been made and funds were gone. 

XXXX Cards were returned to me and I Contact XXXX XXXX XXXX 
Waited on hold for more than 20 minutes. Was promised that cards would be reloaded over the next 10 days. 

XXXX A {$10.00} credit had been put back on each of the cards not the full {$100.00}. 
I again contacted XXXX, on hold over 20 minutes. Was told that I would have to have my Daughter in Law authorize my efforts to recover the funds and wait on hold again. Asked to speak with a supervisor was put on hold for another 20 minutes, was cut off by VISA, and was transferred to a customer survey ( was not good ). 

XXXX This complaint to Consumer Financial Protection Bureau ( CFPB ).

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 2022-01-17 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:
I have reported and had this account investigated multiple times with XXXX and Equifax but both credit bureaus failed to update the inaccurate reporting. Equifax has continued to re age this account. Attached is evidence that Equifax has re-aged this account again in XX/XX/2021 which is a violation. The date of last active is totally different from XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Formal Complaint On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Chex Systems and XXXX XXXX XXXX ) These Companies are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of Fico scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any new bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These XXXX XXXX and trying to dispute or clear these types of blacklisting from an individual 's account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A 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 2022-01-17 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:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX 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