vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 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: OH

Complaint narrative:
Hello. I have contacted Trans Union well Over a month ago. By Law Transunion had 30 days in which too reply. That did not happen. And on several occasions. I have been very patient up to this point. Lately I've taken much notice in the very poor reporting that's being intentionally done to my personal profile. I truly do not appreciate it at all. TransUnion has done major damage to my credit profile by Intentional Fraudulent derogatory. Looking at my evidence that i will attach anyone will feel the absolute same. Its really awful it has to come too this. Please be aware that i am absolutely not pleased with the fraudulent behavior as youve made things difficult for me. And yes I have all intentions on suing you in the court of law for all the damage youve done that can not be repaired. 

At some point IMMEDIATELY there should absolutely never allow discharged bankruptcy accounts still showing on ANY credit report! After discharge! I know its not something thats normally done because my son filed a little after me and his case didnt get sabotaged by his bankruptcy attorney. All of his accounts were immediately removed! Mine were not! I knew something wasnt right with my attorney just by the way he spoke to me. however i did continue too trust him. And take a really good look at my cases. Ive been fighting for almost 12 months now to clean up this mess he's made. Attorney and Court is next. I hope this never ever happens to ANYONE! 


Also I gave TransUnion 30 days to reply to my last letter and you did not. by law you must remove the negative accounts as once. The date is given on the front of the document thats included.

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 2022-01-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am the consumer, original creditor and natural person. Navient has committed mail fraud pursuant to 18 USC 1341 by mailing me bills on a weekly basis requesting payments on fraudulent loan accounts that it opened in an attempt to defraud me to obtain money from me. Pursuant to 18 USC 8, the United States is responsible for all bills, not the consumer. Navient is a treacherous, devious, and evil entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: MD

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
This is 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. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: VA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
This is 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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX - repossession- XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I moved in to XXXX XXXX apartments in XXXX and moved out in XXXX but they are saying I owe them money for unpaid rent. I have never been late or had any trouble while I stayed in the apartment while in my lease. I have a copy of my lease that ended XX/XX/XXXX so I do not owe the apartment complex. I have contacted them and asked them to remove this as I can't get another apartment until I prove did not owe them for the time they have listed. I was in the hospital and family moved my belongings and now I am trying to get a new place and was told I had a dept. XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX. I have never been late or not paid a dept please ask them to provide pay history as I have asked and got no response, I even sent a copy of lease because the dates that have I was not in a lease or contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
This is 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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: GA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: GA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-08 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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: DMB Financial, LLC
State: AR

Complaint narrative:
Please make everyone aware of horrific tactics used by DMB Financial , LLC. I signed a contract with DMB in 2018 to assist me in debt management. I paid DMB monthly payments, and was asked to follow a process of not making payments to my creditors, not answering my creditors phone calls and signing over my authority to work with my creditors to DMB. Sadly, DMB ended up asking me to take back several of my accounts and they did not finish the rest of my program. They wanted me to continue with additional payments, which I can not afford because I had to fix the mess and much larger balances on the accounts I had to take back because of DMB. I also was sued by three creditors in the process. Also, in checking my credit report, I found out that DMB had reported a check lost in the mail excuse to one of my creditors, who charged off my account. Now, I have been rejected for an apartment due to my credit status. I am heartbroken that I ever believed this companys lies to me.

Essentially, I was managing my credit and had a good credit report before DMB. Now, my credit is a mess. I simply do not know how to fix what DMB did. I can not believe I PAID this company to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Each month Mariner Finance does a hard pull on my credit. I have given them no authorization to do this and each month they continue to do a hard pull lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
This company has intentionally posted personal medical information across the internet on multiple occasion. Wakefield & Associate has intentionally posted fraudulent claims to my credit report stating that I owe the company. There was never any documents or paperwork sent over to me stating that I had an option to validate this claim. I've never done business or have I ever signed any contractual agreement or documentation with this company. XX/XX/XXXX at XXXX there was a certified letter ( XXXX XXXX XXXX XXXX XXXX ) signed for at the company front office requesting removable of this information from my credit report. 


1 ) Could you provide the name of which company that is intentionally sharing, posting private and personal unauthorized release of information to a public site where anyone can review, gain and obtain of personal information. 

2 ) Could you provide the name of which company that is intentionally using a direct sign of intimidation with bogus claims with a direct violation if HIPPA 3 ) Could you provide information where your company notified me by phone by law, which clearly states that your company has to give me five days to respond before posting this false and inaccurate of information to my credit profile 4 ) Could you provide information where your company sent out letters to me stating that I can request a validation of this debt 5 ) Could you provide me with proof that there was indeed a contractual agreement between myself, and Wakefield & Associates signed and dated with both my signature and also Wakefield & Associates signature on it, stating that I agreed to pay this fraudulent debt to Wakefield & Associates. 

XXXX ) Could you provide the beginning and ending of this inaccurate service that I rendered from Wakefield & Associates with my signature and again Wakefield & Associates/Agent signature on it. 

7 ) Could you provide me with documentation that they went about the CORRECTED LAWFUL way under the Fair Debt Collection Practices Act of XXXX of warning me about my RIGHTS to validation in writing or by mail within the CORRECTED initial TIME frame by law. 

8 ) Could you provide me Proven Documentation that their company practices are not showing fraudulent purchasing of individuals personal information. 

9 ) Could you provide me documentation that your is not using methods of the UNJUST ENRICHMENT LAW 10 ) Again, I'm DEMANDING that my name to be disassociate with your company as well as this fraudulent information to be remove from my credit report, XXXX, and wherever else you might have my name associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
This is 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. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
Since XX/XX/2021 I have been working with flagstar bank to get my loan reset from covid 19 forbearance program today I was told that they can help me it closed out yesterday, I have summitted the same requested documents and have proof on their webiste since XXXX. They are not wanting to help me they just keep asking me to submit documents that they already have. I dont want to lose my home

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 2022-01-08 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: PA

Complaint narrative:
This is 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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Previously, I noticed the CFPB of my ongoing difficulties to receive prompt identity theft transactions refund payments from with Citibank , N.A . in connection to the CFPB closed Complaint No. XXXX. However, I am requesting The closed complaint to be reactivated or re-opened by the CFPB because Citibank , N.A . failed to timely reimburse me for those Identity Theft unauthorized transactions taken against my cash on deposit at Citibank or Citibank , N.A . from on or about XX/XX/XXXX through XX/XX/XXXX. In lieu of timely refunding me for my unexpected financial losses, Citibank , N.A . closed my interest checking account and other savings account products. However, federal law required Citibank , N.A . to timely refund me for those losses taken against me specific to me being a victim of known identity theft. It is unfair and deceptive business practices for Citibank , N.A . to advertise the VISA {$0.00} liability program for unauthorized Visa debit transactions and also illegal of Citibank , N.A . to disregard federal law. 

Citibank , N.A . Is aware of my past due refund in the amount of {$31000.00}, plus applicable interest ; but Citibank , N.A . replied to the original CFPB complaint and then closed my personal checking account and personal savings accounts in lieu of furnishing amounts due to me. 

I am requesting the CFPB investigate my original and second complaints about Citibank, N.A.s illegal activities made towards me in lieu of the CFPB traditional complaint hand off back to Citibank , N.A . I continue without my past due refund because the CFPB failed to investigate my original complaint, and or the CFPB failed to oversee my identity theft losses were refunded to me by Citibank , N.A . 

To say the least, the CFPB inadequacies in handling my identity theft refund complaint is disheartening to me as a banking consumer.

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 2022-01-08 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:
My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.

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 2022-01-08 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:
My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Their answer is totally unacceptable. They owe me about XXXX dollars. 
They are charging me interest w/o explaining why. And calling it Converted Balance. I believe I have a right to know what they are charging me for.

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