vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XXXX of 2022 the major credit reporting agencies including transunion agreed to remove all medical debts under {$500.00}. The account currently in dispute is a medical bill under {$500.00} and should 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 2023-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an account I do no recognize on my credit report from XXXX XXXX XXXX. reporting to all three credit bureau 's. I am requisition the original creditor and a full accounting from when the account was opened.

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 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Flexible Finance, Inc.
State: OH

Complaint narrative:
Hello I've applied and have been using Flex services for a couple of months. You must have funds available to charge on your card for your first months rent. Then the service will pay your full month it's split into to payments and a membership is charged monthly. I've been having problems and had the money. When XXXX came time to pay you can not get hold of anyone for hours. It's all thru email, no phone call, no phone service only thru customer support. I just received a eviction notice and I was charged XXXX for my bill. You have until the 5th from my complex to pay and I did and got a email the next day saying they could not charge my payment. Made no sense when I've sent XXXX emails since XXXX XXXX  on the XXXX requesting for payment to be made. I was told the next day should d XXXX XXXX that they could not post payment or had problems. I made sure there was no problems. 

Spoke with my complex and said they should of had no problems making payments. There stating you must have XXXX. And I did but they paid with a credit card which is still showing in my account. Now I am left with late fees and evictions notice. This is bull. 

Bad business ratings for this company because people can not get a hold of them. They also deactivated my account by mistake according to the rep on XX/XX/22 but reactivated XXXX XXXX XXXX apologizing for the inconvenience. The rep told me. And then took my second payment. In XXXX we had an issue they took my rent payment on the XXXX then did not pay until the XXXX. The company is flexible finance Inc. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 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: LA

Complaint narrative:
My name is XXXX XXXX and I am a victim of Identity Theft. I received a copy of my credit report and have no knowledge of these unknown inaccurate fraudulent accounts and addresses. I have reached out to these companies many times to remove these accounts and addresses and the respond that they have been verified but has not sent me any documents with proof of verification. These companies have added new dates and remarks to these fraudulent accounts which are closed and charged-off.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: DC

Complaint narrative:
I transferred {$2000.00} to an external account and my bank then closed the account 2 days later. I asked about my transfer/deposit and I received no answer. I need assistance making sure they deliver my transfer as promised and handle the funds as instructed,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: LEXISNEXIS
State: CO

Complaint narrative:
I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I strongly believe Navient may be using a tactic misrepresenting my student loan balance for more gains. I believe that this tactic is not legal and/or at least raises a RED flag for an investigation. 

On XX/XX/XXXX, I decided to pay off my student loan of {$23000.00}. I reached out to Navient and was transferred to an agent XXXX in the student loan department. This agent after going into my account sited my total balance of my loan that I needed to pay was {$23000.00}. Which I proceeded to pay over the phone using my personal check # XXXX. At the end of my conversation, I was informed that I would receive a payoff letter. This letter was to never arrive. What did arrive the following on XX/XX/XXXX was a statement for me to pay another {$1000.00}.? I immediately contacted Navient to discuss this error. I was meet with confusion by their agents as to why I was being charged. Their records indicated that the amount sited by their on XX/XX/XXXX agent was correct and they would further look into this issue. I expressed my frustration with them and their system. I informed them that they needed to resolve this issue today. The agent appeared empathic and supportive wanting to finding the answer for me. So starts my archous battle with Navient! after numerous conversations with other agents/supervisors I came across agent XXXX XXXX XXXX. 

On XX/XX/XXXX Team Lead XXXX XXXX # XXXX. After XXXX minutes into our conversation XXXX stated that she would like to go back and lesson to the recorded conversation with me and agent XXXX on XX/XX/XXXX. And if she found that the balance of my account given that day by agent XXXX was indeed {$23000.00} as a full payoff amount. Then Navient will wave the requested fee of {$1000.00}. Satisfied that I would prevail. What arrived was a letter on XXXX XXXX. 

On XX/XX/XXXX. I received a letter from Navient with old dates and numbers. However, admitting fault and that indeed their agent XXXX incorrectly provided me with the wrong payoff amount " That Navient will not be able to write-off the remaining balance and that I would still need to pay the requested amount of {$1000.00} See attachement # XXXX On XX/XX/XXXX to dispute there response letter to me. I was meet with more ridiculous excuses and that they could not honor what Team Lead XXXX XXXX promised. 
" To wave the fees regardless of the facts disclosed in the recording '' It is my hope that C.F.P.B can represent me in this unfair and unjust act by Navient.. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have tried multiple times to speak with America First Credit Union regarding my two loans ( home equity personal and HELOC ) to get them to consider and abide by the CARES Act in regards to my situation due to XXXX, I became unemployed since XX/XX/XXXX. I had paid off every single month the monthly principal and interest amounts on both loans but I am no longer able to do so without furthering myself into credit card debt. I have not had gainful employment since. I was able to be granted their once-every-six-months " skip a payment '' program, of which I was able to skip payments in both June as well as XX/XX/XXXX. 

However, this is not good enough, so I seek remedial solutions and have tried to ask them and their management to look into addressing the CARES Act and allow me to be granted forbearance since at least one if not both loans are eligible, since at least the non-HELOC is considered a 2nd mortgage. But HELOCs have the term " Home Equity '' in them as well. I am unsuccessful in getting them to contact me and providing a resolution in light of the CARES Act, of which they are not free to ignore. The last time I was told I was going to get an answer was earlier this week on a follow-up phone call, but that never happened. It seems they are starting over every single time as if I never ever spoke about this or something. This is egregious because I am unable to pay the next month without serious harm and damage to me. 

I am already on forbearance for my home mortgages, so these loans are now a massive hardship on me as I only receive XXXX XXXX as pretty much my only source of income, which doesn't come close to paying anything except utilities and food by itself. I also was told that I would have to fill out a series of paperwork entailing my finances and expenses, but the CARES Act states that that isn't allowed, that banks must merely provide some kind of modification and/or forbearance option without question, until I can find gainful employment or a source of income that get me out of all this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CO

Complaint narrative:
I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
i have had this loan about 2 years i was under the impression that the escrow would start at the beginning of the loan just before the due date on my home insurance was due i was informed by XXXX XXXX XXXX that insurance had not been paid this was almost XXXX XXXX years ago i paid the insurance from XX/XX/XXXX to XX/XX/XXXX my insurance was re evaluated and increased by about {$400.00} per year i received a bill XXXX for back pay and increase at the same time they have made XXXX payment in XX/XX/XXXX now they want 12 months back pay pluss an increase my phone # is XXXX e-mail is XXXX XXXX can scan and E-mail you the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CO

Complaint narrative:
I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: FL

Complaint narrative:
checking my credit report ive noticed alot of invalid information on my credit report I am intrested in processing disputes against all companies on my credit report with transunion to help clear my file.

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 2023-01-06 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-06 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AZ

Complaint narrative:
FedLoan Servicing Center has reported incorrect information on my ( XXXX ) credit report. I have been unable to reach them to clear it up because the number they have listed/provided ( XXXX ) is not a working number. It immediately disconnects after the first ring. 

FedLoan recently discontinued handling federal student loans & transferred all their accounts to other lenders ( XXXX & XXXX ). My loans were transferred to XXXX. However, an error ( obviously ) occurred in the transfer. My ( FedLoan ) loans were in an IDR ( Income Driven Repayment ) Plan, with {$0.00} past due & a {$0.00} balance due at the time of the transfer. 

Note : FedLoan Company is not out of business, they are just no longer a student loan company. Therefore, they should still be contactable. 

I have a credit dispute that I have been attempting to clear up and resolve but can not reach them. 

Though XXXX Credit Bureau shows my FedLoan account at a {$0.00} balance, it is still showing up as a delinquent status. I was denied a loan ( from another lender company ) because of this inaccurate reporting on my credit report. This is keeping me from ( re ) starting school ( in XXXX days ). 

Please see that FedLoan corrects this ( delinquent status ) error immediately. 

Please contact me asap at XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

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