vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: NJ

Complaint narrative:
TRANS UNION AND XXXX ARE SHOWING LATE PAYMENTS ON MY XXXX XXXX ACCOUNT WHICH WAS CORRECTED BY XXXX XXXX AND UPDATED INFORMATION WAS SENT OUT TO BOTH BUREAUS. THESE LATE PAYMENTS MUST BE UPDATED AND CORRECTED 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 2021-06-28 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: TX

Complaint narrative:
fair credit report act violations : not mine : XXXX XXXX  XXXX XXXX XXXX, TX 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 2021-06-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SC

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 2021-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Today for a payment of XXXX that was PROCESSED on the XXXX. 
And the payment Today that processed YESTERDAY i apparently have to call XXXX  back TOMORROW to have them call XXXX XXXX so XXXX can tell XXXX  the money cleared. My available credit needs to be updated without having to make all these calls. They charge me fees for Trying to pay my bill ( i miss keyed something and was able to get chase on the line and verified and they still charged me even though they were able to take money out of my account that day ) the customer service agents are always rude and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: IN

Complaint narrative:
During the pandemic last year XXXXXXXX XXXX  put on their website that they were allowing all clients to make late payments on mortgages and personal loans and they would not report to the credit bureaus as long as they were not 90 days past due. 

In XXXX and XXXX of 2020 my ex-husband paid the mortgage late. It was maybe XXXX days late. It was not 90 days late. Yet, XXXX still reported it to the credit bureau even though they had stated they would not report it. I have called, I have sent letters with no response, and I have filed multiple disputes with the credit bureaus. Nothing has been done about this except XXXX changing on one of the credit reports that instead of paying late in XXXX and XXXX that I paid late in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
I have not receive any response to the multiple letters I have send this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
In response to the letter that The Bureaus, Inc sent to me in the beginning of XXXX I sent the following letter ( below ) to The Bureaus, Inc. on XX/XX/XXXX. 

To : The Bureaus, Inc : I_______, have written this letter to dispute a claim that is falsely listed on my credit report with your agency. See below. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Account # : ______________ Your File # : _______________ Amount owed : {$430.00} After carefully reviewing the paperwork that I have received from your agency I have noted the following : ( 1 ) There is NO explanation as to how the initial balance of {$280.00} in XX/XX/XXXX was calculated. 

( 2 ) Since then, only {$150.00} in purchases were added and the rest were excessive fees and exorbitant interest on an inflated balance. 

I demand that The Bureaus, IncXXXX produce the original credit card agreement SIGNED BY ME and a complete accounting of how the amount you claim due was calculated. 

I am NOT the owner of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened an account with SYNCB/B & XXXX account # XXXX I never received any bill from them. I was awaiting my first bill to make the payment. As soon as I was informed that a payment was due I quickly made the payment over the phone to avoid any other issues which I now see had impacted me in XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 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: AR

Complaint narrative:
XXXX XXXX never sent any documentation over to XXXX XXXX  about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my XXXX form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX XXXX score dropped XXXX points and my rate went up {$1.00} according to alerts. Trans union has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also XXXX a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.

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 2021-06-28 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: Reliant Capital Solutions, LLC
State: AR

Complaint narrative:
XXXX XXXX never sent any documentation over to XXXX XXXX  about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my XXXX form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX XXXX  score dropped XXXX points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me XXXX times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently reached out via certified mail to XXXX XXXX and TransUnion about providing validation for an U.S Bankruptcy  XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt

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 2021-06-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently reached out via certified mail to XXXX Equifax and XXXX about providing validation for an U.S Bankruptcy XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CO

Complaint narrative:
Since Experian requires one to use their XXXX system which I have set up many times, they keep sending me emails telling me they don't find any bill payments thru XXXX  and they will soon delete my account. When they aren't able to connect to your accounts thru XXXX, they decrease my XXXX XXXX which is terrible! I have spent hours on the phone with Experian trying to get them to fix the XXXX system to work with my accounts, but they tell me they don't know if they can fix it and don't know when that might happen anyway. In the meantime, my XXXX XXXX keeps going down due to their broken XXXX system. Experian is the only credit reporting company that has my XXXX XXXX under XXXX which really affects my credit rating. I want Experian to stop using XXXX as a means of calculating credit scores since it is so broken and can't be fixed!!! Can CFPB do anything about this problem? 

Here is the Subject line of my XX/XX/21 email from Experian : Re : XXXX, important : Your account through Experian Boost could be removed

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 2021-06-28 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: GA

Complaint narrative:
XXXX, TransUnion, & XXXX violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted TransUnion on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with XXXX but the call never connected me to an agent. As a consumer I feel extremely violated.

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 2021-06-28 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted XXXX on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with Equifax but the call never connected me to an agent. As a consumer I feel extremely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: VA

Complaint narrative:
Opened unfunded checking account with Discover Bank on XX/XX/XXXX with intent to fund account with deposit of check on XX/XX/XXXX. After submitting mobile deposit on XX/XX/XXXX, got message that funds would not be available until one week later on XX/XX/XXXX. Had not been informed of hold on check deposits when I opened account or before I submitted the mobile deposit. Was informed today by issuer of check I deposited that Discover has my money but they refuse to make my money available to me before XXXX. Direct deposit of my social security check will also be made to this account on XXXX and I will be closing this account on XXXX. Stay away from Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: IL

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner. 
I submit letter XX/XX/XXXX and havent gotten a response yet

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 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have had no personal communication with this company other than an occasional letter. 
I had a collection account reported that was just recently removed from my reports due to it aging off. It was removed directly by the credit reporting agency a few weeks ago. Today I got an alert that a new collection has appeared. They didn't report it as a collection account. They reported it as a regular credit account although it says collection. 
Now they say it will remain until XXXX of XXXX. 
If it was removed from the report by the credit reporting agency as per the information given them by the collector, how can they turn around an report it again as a regular account? Probably because if they reported it as a collection it would have been caught and not allowed to be re-reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
I have three credit cards. Both XXXX and XXXX are showing all my opened accounts. But Experian is not showing any of my account. 

I called all three credit card companies ( XXXX XXXX, XXXX, XXXX XXXX ) multiple times and they confirmed that they are reporting my credit history to all three credit bureaus. 

I called experian multiple times in XXXX, XXXX and in XX/XX/2021 - they are saying that they are not receiving any report from any of the credit card providers. 

Out of three credit bureaus, I am facing this problem with Experian only. I am following with my credit card providers and experian since last four months without any result. 

I need your kind help to fix this problem.

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 2021-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC
State: CA

Complaint narrative:
We have a XXXX exchange and contracted XXXX XXXX to do these loans. We had used them recently on a refinance and they had all the documents on file to close escrow. I asked them if they knew who to handle a Corporation loan and XXXX exchange and they stated that they had a lot of experience.Escrow opened on XX/XX/XXXX, XXXX Broker waited until the day we were suppose to close to let us know that they needed a Letter of Opinion form a Attorney and the Operating Agreement. When I asked them why they did not tell us about these letters they stated that they had just found out 2 days ago about the letters. I called the bank who was doing the loan and spoke with the person handling our loan and she advised me that the Broker knew about these letters for a long time. I called several attorneys offices and was advised that the letter of opinion would cost {$5000.00} to {$6000.00} and the letter of organization would cost {$1000.00} and that they would take approximately 4 to 6 weeks to finish. I called the Broker and advised him of the cost. He stated that even if we paid for these letters there was not guarantee that the loan would be funded.We were already 53 days into escrow. We had no choice but to cancel the loan as the sellers were not going to wait. We requested a refund on the Appraisals as they should not have been ordered until they were 100 % sure that the loan was going to be funded. They refused to refund the amount of {$1500.00} stating that they had lost money on this loan. 

Attached is a more detailed description of what happened. 

We are requesting that they refund us the {$1500.00} and that we get compensated for losing our investment monies due to their negligence. 

Thank you very much for taking the time to review our complaint. We hope to hear from you soon. 

Have a wonderful day. 

XXXX & XXXX XXXX XXXX Home XXXX Cell

Company response to consumer: Closed with explanation