vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-21 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-21 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: KY

Complaint narrative:
Hello, I am XXXX XXXX. I am making a complaint to Transunion in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results stating Transunion is not reporting the account. I am disgruntled with Transunion 's professionalism as you stated you are not reporting XXXX XXXX, however, it is still reflecting on my credit report. Again, this violates my rights and is against FCRA and FCDPA. Not to mention this is way out of the 15 day window of validation, yet this is still reporting! I demand Transunion to update my credit report immediately and send proof of so via mail. Thank you,

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 2022-02-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Companies are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  They have never complied with providing me with proper ink signatures between me and their companies upon any agreement.

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 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I applied for a credit extension and gave them my ssn. Once ace cash express accepted my application they have now entered into a fiduciary relationship with me and have to act in my best interest. Since banks cant loan out their own stock pursuant to TITLE 12 USC 83, where could the money possibly come from. They are obligated to compensate me for the use of my SSN, since I havent received any benefit it is now an unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a loan with CAP1/XXXX  with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months of 2019 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: FL

Complaint narrative:
In accordance with the FCRA XXXX XXXX XXXX XXXX has violated my rights. 
Everything in this account is inaccurate -Date opened -High credit -Credit Limit -Last Reported -Date las active -Day of las payment And on top of it Equifax reported as pay as agreed .

15 U.S.C 1681 A Section 2 : it Also States a consumers reporting Agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: FL

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Everything in this account is inaccurate -Date opened -High credit -Credit Limit -Last Reported -Date las active -Day of las payment And on top of it Equifax reported as pay as agreed .

15 U.S.C 1681 A Section 2 : it Also States a consumers reporting Agency can not furnish a account without written instructions.

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 2022-02-21 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: NY

Complaint narrative:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

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 2022-02-21 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: NY

Complaint narrative:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

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 2022-02-21 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MO

Complaint narrative:
Equifax needs to fix the issues about the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries that I am disputing : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX XXXX. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX Mortgage. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX XXXX. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.

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 2022-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Aid Experts
State: TN

Complaint narrative:
On XX/XX/XXXX, I notified my financial aid office to inform them that I would like to withdraw from their school and if there would be any charges. My financial aid advisor proceeded to tell me that in 45 days {$7000.00} in outstanding tuition would become due to the school. She also proceeded to tell me this : We generally do a 12 month payment plan. We try to have the student pay that balance off as quickly as possible because their transcripts can not be released until that balance is paid in full. If we divide that {$7000.00} by 12 that would be {$580.00} per month. Is that balance something you are comfortable with? A student like my self does not have 7000 grand lying around to give and I also certainly can not afford almost a 600 bill a month. It also stays in my contract from the school that after you have 60 % of 1-450 hours of the first payment period, the student is allowed to earn 100 % of financial for that pay period. So why do I owe so much if financial aid is 100 % going to pay my tuiton? I have all of financial aid covering my tuiton and theyre telling me I owe 7000 . I have documentation and proof of everything.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-21 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: MO

Complaint narrative:
I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : AXXXX XXXX XXXX BALANCE {$0.00} XXXXL XXXX Date of inquiry XX/XX/XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry 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 2022-02-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Merchants ADJ Services has placed medical bills on my credit report. Some of these accounts I have no knowledge of and I didn't give anyone authorization to even send my information to a third party. I haven't seen any contract stating that I gave them authorization to send my information to a third party. This is against HIPAA Laws. This has caused me so much XXXX because I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year 2010. I was told I was approved for complete financial aid since I was a single mom and had no income. The grant was suppose to be approved for the program which was XXXX in financial aid. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or updatea about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: GA

Complaint narrative:
There were 2 purchases from XXXX that were two purchases that was made on XXXX XXXX. The first amount was {$100.00} and the second amount for {$130.00}. Both of the orders were canceled. The first order was refunded {$93.00} + {$4.00} + {$1.00}. This would have brought the remaining balance to {$0.00} However, if you look at XXXX XXXX XXXX, as of XX/XX/2022, it still shows of remaining balance of {$55.00}. There should NOT be a remaining balance. This is what I am disputing! The remaining balance of {$55.00}. 

The second purchase was for {$130.00} It was also canceled and refunded {$120.00} + {$4.00} XXXX. This had brought the remaining balance to {$0.00}. This refund is showing correct under XXXX XXXX XXXX. 

As of Today ( XX/XX/2022 ), The remaining balance from XXXX fro {$55.00} was removed from XXXX XXXX XXXX. However, the balance of {$55.00} is still added on my current balance. If you add all the remaining balances that are under XXXX XXXX XXXX  ( XXXX ) plus the {$12.00} transaction from XXXX from XXXX XXXX, it would equal out to {$1100.00}. However my current balance shows {$1100.00}?

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