vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
XXXX Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my XXXX  loan status updated. I referenced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  v. XXXX XXXX XXXX XXXX., XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies. 

Under The XXXX XXXX XXXX I have XXXX  accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to XXXX, XXXX and Experian multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other XXXXt loan accounts previously paid.

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 2021-11-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have request Equifax on 4 different occasions to remove the dispute remarks from XXXX XXXX ending in XXXX and the XXXX account. On both accounts I have never disputed them, I agree with the balances and the payment history on both accounts. I have received notices from Equifax that they have resolved when my issue when no they haven't. They keep working on the wrong accounts and not paying attention to the two accounts I have questioned for them to remove the dispute comments from. So, I have attached the two accounts I pulled them right from the Equifax website for my credit report and as you can see there are dispute comments on both accounts and they need to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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:
MY IDENTITY WAS STOLEN SEVERAL YEARS AGO AND I'M HAVING ISSUES WITH A COLLECTION ACCOUNT THAT IS DUE TO THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
OH MY XXXX GUYS WHY YOU PUT THIS INFORMATION ON MY ACCOUNT? I HAVE NO IDEA WHERE IR COME FROM I NEVER USE ANY OF THESE. IM SURE THAT SOMEONE HACKED MY PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: AR

Complaint narrative:
hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Traded truck in XX/XX/2020, but it took dealer 2 months to payoff, got one month removed/fixed but not both

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: OH

Complaint narrative:
I have a reverse with Novad that has a balance I would like to withdraw and have trying to reach the HECM department for 2 months calling daily and trying different phone numbers and email addresses researched through the internet and have not been able to speak with a single person only reach robotic answering systems or get emails rejected. Thie money is mine and I would appreciate being able to receive it. If you can get someone or advise of a correct contact information it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Customer service would not help and take care of the fraudulent negative inquiries reporting to my credit report. 


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 explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Student Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my student loan status updated. 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 XXXX XXXX XXXX XXXX XXXX XXXX still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies.

Under The Department of Education, I have 5 accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to TransUnion, XXXX and XXXX multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other student loan accounts previously paid.

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Student Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my student loan status updated. 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 XXXX XXXX XXXX XXXX  XXXX XXXX still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies. 

Under The Department of Education, I have 5 accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to XXXX, Equifax and XXXX multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other student loan accounts previously paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: LendKey Technologies, Inc.
State: NC

Complaint narrative:
I was pre-approved by LendKey for a private student loan consolidation at a great rate, so I submitted my full application. Nearly a week later they finally responded and denied me. I have a high credit score and offered to add my spouse as a cosigner due to his high income, But they loan officer said it wouldn't make a difference. That makes zero sense. This definitely feels like a scam to get my info and then sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
( Transworld systems I ) at ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ) has been calling me, for the amount of {$3600.00}. 
After I ask multiple times to stop calling I had to change my phone number 2 times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, On Wednesday XX/XX/2021 I became aware a medical bill had been sent to collections. During my visit to this medical location I provided my health insurance card to the employee that came by and asked for it, she didn't seem knowledgeable about insurance but took a picture of my card and all my information. A couple of days later I received another phone call from this medical center stating they needed my health insurance again, I provided my insurance policy number, the name of my insurance, and even googled my insurance 's phone number since they were for some reason unable to get a phone number themselves. I then called again once more myself to make sure they were going to file a claim and had my information correct, because my insurance stated they had not submitted a claim yet. During that call I once again provided my insurance policy number in addition to my insurance 's po box . 

I a county employee and therefore have insurance through my county, and have had insurance through my employer since XXXX.I am not sure if XXXX XXXXXXXX  was unable to submit a claim due to this happening closely to when COVID19 happened and California went into sheltering in place, but regardless I provided my health insurance 3 times. If they neglected to file an appropriate claim even though I had provided my insurance name, policy number, phone number and po box it is quite frankly neglect on them and there was no reason to send me to collections for it. It was inappropriate of them to send this to collections when I provided health insurance and had received no other letters to my home address regarding this. I only realized this had occurred because I saw this on my XXXX credit report. In addition my insurance states that since they neglected to file a claim within 90 days of seeing me it is no longer valid. Furthermore when I called the collections place they wanted me to sign a waiver so that they can still charge my insurance, even though my insurance said that is not allowed. 

I have contacted this Medical Center multiple times since seeing this on my credit report. They keep referring me to different departments all of which appearto have no one in office, making this situation extremely difficult. I have called and left messages and have not received a call back. This situation has wrongfully harmed my credit score as well as my mental health given all the XXXX and XXXX it is causing me since I am unable to reach anyone at this medical Center at all. 

I am glad to provide my health insurance information once more if that it was it takes for this to me deleted off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Southwest creditors constant unwanted phone calls everyday repeatedly unwanted phonecalls from a XXXX phone number saying i owe a dept but not explaining what the debt is i want these calls to stop i will calm them when im interested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: MA

Complaint narrative:
Galaxy International Purchasing has violated pursuant to section XXXX ( a ) ( XXXX ) of the FCRA requirements failure to notify the credit reporting agency that this account XXXX is being disputed. Failure to put the notice of dispute in the comments of credit report is a violation of the FCRA requirements by Galaxy International Purchasing. 

I have attached a copy of my credit report that doesnt show the required notice of dispute as required in comments on my report after I have disputed this account multiple times times over the past serval months. 

I have also attached a copy of the XXXX ( a ) ( XXXX ) section of the FCRA requirements for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MA

Complaint narrative:
I just spoke with Transunion with regards to an abundant amount of Fraud/Unauthorized inquiries that I noticed on my report, from XX/XX/XXXX. On XX/XX/XXXX I went to purchase a car from XXXX XXXX in XXXX. I had a previous auto Loan with then ( XXXX XXXX supplied the loan ) for my last car. The finance manager told me he was going to compare XXXX XXXX and XXXX XXXX ( which were my last XXXX auto loan providers ). I just noticed today that my credit report showed several unauthorized Inquiries from that date. I just spoke to Transunion to get these removed and they literally are trying to send me on a wild goose chase to remove these inquiries, which obviously was a malice act by the dealership to get my autoloan approved by any and every finance company known to man " WITHOUT MY CONSENT ''. I asked them to remove the following inquiries : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX, 4 ) XXXX, 5 ) XXXX XXXX ( Only XXXX XXXX inquiry should remain ) The only authorized ( valid ) inquiries on XX/XX/XXXX, were XXXX and XXXX ( yes XXXX inquiries on XX/XX/XXXX into the same company, but obviously XXXX of those inquires can stay. Please take this complaint seriously, as this has to be in some way a violation of my consumer rights, and an egregious act by a vendor. Thank you for any help you can provide in this situation, as I am simply looking to have these inquiries removed from my credit report, in as SIMPLE OF A MANNER as they were put on there without my consent. 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 explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Obtained XXXX mortgages with BOA XXXX and a line of credit XX/XX/XXXX that was NEVER accessed or used. Both mortgages were paid in full approx XXXX. No further communication with BOA. Sold home XXXX. My proceeds are being held by title company because of this credit line. Bank of America denies having any records of this OR my SSN being usedI have an email from BOA ( person unknown ) received XX/XX/XXXX stating A lien release in connection with above referenced loan is being prepped and will be mailed or electronically transmitted for recording to the appropriate county recorders office.

BOA reference number for this is XXXX XXXXXXXX , county book number XXXX page XXXX, instrument number N/A. 
Nothing has happened and I have been unable to contact anyone regarding this at BOA. Last contact was XX/XX/XXXX with XXXX who became defensive and hung up I have $ XXXX that is inaccessible to me because of this. I do not understand how this whole real estate deal was finalized if I dont have clear title, like how why did buyers bank okay this?

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 2021-11-30 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX, XXXX still nothing from them. The negative items are still reported on my Credit Report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off XXXX  XXXX {$24000.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX {$0.00} Collection XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$490.00}

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 non-monetary relief
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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