vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed 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 lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/202XXXX XXXX Date Updated : XX/XX/2021

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 2021-12-01 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: AZ

Complaint narrative:
I have provided Experian a XXXX letter with hard evidence against XXXX XXXX XXXX XXXX against unfair credit reporting acts Showing I was not late in the month of XXXX. However, they keep going back to XXXX XXXX and they keep reporting me late. However, it is not late in the month of XXXX on XXXX and XXXX, just Experian. I have also tried going through the XXXX to get it resolved but they too have neglected to correct the information even after they provided me HARD proof that it was indeed a payment in the month of XXXX before the due date. Now I am opening a dispute against Experian for failing to conform to the LAWS in Section XXXX refers to in the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
TransUnion is not updated my credit report. Ive called several times to speak with Trans Union update about updating my credit report I was cross talked the representative did not listen very condescending and very uncaring about my 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 2021-12-01 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the XXXX. The creditors have had XXXX days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the XXXX. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I, XXXX, The Living natural person, have been a victim of fraud and deceptive abuse upon trading and commerce business. For the record, I never gave AMERICAN CREDIT ACCEPTANCE authorization to assign themselves as lien holder, POA, etc. However it is to my overspending this company has intentionally falsified this documents in order to control my personal information and assets. In addition, to the Un-authorization of credit reporting AND WITHOUT MY CONSENT PURUSuANT to, breach of contract due to the fraudulent and non disclosures within the intentionally furnished and deceptive statements made from AMERICAN CREDIT ACCEPTANCE, in collusion with the DMV. I am demanding for the account with XXXX, XXXX and other third party companies who have bought my information or obtained unlawfully. I have sent ACA a Notice of Recession and Notice of Cancelation pursuant 12 CFR 226.15 and 15 U.S. Code 1635.. I am requesting for the account to be removed and Deleted, from credit bureaus such as XXXX and XXXX. Also to remedy any paperwork within the DMV and other departments with this falsified in formation. Upon Purchasing my vessel it was clear I intended to not have a lien holder placed, nor assumed power of Attorney on behalf. However, XXXX decided to monetize and fraudulently assign themselves as such. In addition, to a recent claim with XXXX, the company has decided that my recoveries will be given to a false lien holder instead of myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: WI

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have been in repayment with Mohela for my federal student loans since XXXX. My original principal was {$120000.00} and I have been on a plan in which I've been paying in excess of my repayment amount under the belief that I was paying down my principal. Turns out that the extra payment have been going towards monthly interest instead, and after a decade of diligent repayment my balance is currently still ridiculously high at {$88000.00}. 

I have been paying {$1000.00} a month consistently without fail from XX/XX/XXXX, not to mention the payments I made prior to implementation of that level plan. According to the company, if I were to continue paying {$1000.00} a month, I have XXXX months left to fulfill my financial obligations, which means I will be paying an additional {$180000.00} when all is said and done. 

This does not make sense. The system needs to change. A company that has been tasked by the government to manage the repayment of student loans should not be allowed to be so predatory. It was not made clear that my excess payment was not going towards the principal. I shouldn't have to be in debt for XXXX years and pay {$280000.00} on a government assisted student loan of {$120000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: SC

Complaint narrative:
I applied for a student loan refinance w/ XXXX XXXX XXXX a division of XXXX XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. 

My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. 

My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.

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 2021-12-01 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
i have contacted all XXXX credit bureaus as well as SYNCB/XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

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 2021-12-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the XXXX of the XXXX /2021I tried to purchase honey love jar spell from a merchant the cause of that item was {$550.00} I use my bank account jm Morgan Chase to made the purchase with their service that they provide XXXX XXXX upon making the purchase with the merchant the merchant was supposed to ship the item to me and send me prove. The item has not shipped the merchant that goes by the name XXXXXXXX XXXX XXXX never respond back to my text or email I tried to contact Chase about the situation more than once they're saying that even though they provide services it's like handing over cash to someone and they're not responsible for my money that I lost so I'm filing this dispute I'm hoping that you guys can help me to get back my money from my bank or merchant XXXX a love spell contact number XXXX XXXX please call if need any more information my contact number is XXXX and my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have contacted Navient repeatedly to provide me with updated documentation that my accounts are reported accurately, which I am disputing and they have failed numerous times to provide me with any documentation as to my repayment history. This is in direct violation of the FCRA, and has resulted in them reporting late payments on numerous accounts. I can not make payments on time if I do not have the information available to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have reason to believe and do so believed i was discriminated against by this company due to the response they sent. I acted in good faith and was denied credit which is a direct violation of 12 cfr 1002. I have been banking with this institution for little over a year and have been having alot of issues with this bank as well as countless denials for credit cards and credit for auto loan ( s ). This notice is a notice that I am rejecting this offer to deny me the right of credit pursuant to 15 usc 1602 OFFER REJECTED NOTICE ATTN : Navy Federal Credit union XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This correspondence is in regard to the application submitted on XXXX XXXX, 2021, reference no./application XXXX. Which an adverse action letter was received on XX/XX/ 2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. 

Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ).

Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 

You meaning Navy Federal Credit union and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing.

Legal proceedings may be enacted if dishonored. 

Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation