vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: AL

Complaint narrative:
I disputed with Transunion on XX/XX/2021 via their online portal and I wrote and mailed a letter to Transunion on XX/XX/2021 letting them know that they were inaccurately reporting information regarding 15 accounts that they listed under my name and providing information about the inaccurate accounts. Accounts : 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 XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I received a letter from them XXXX XXXX stating that they needed additional time to process the dispute and that it would be done by XX/XX/2021. I did not receive a response from them. On XX/XX/2021, I sent another letter asking them to remove the accounts as per the FCRA, they have 30 days to reply and even with the additional time they requested, my dispute still had received no response. My request asking them to remove the accounts due to them failing to comply with the FCRA and correct the matter and mail me a response was delivered to them on XX/XX/2021. I have not received any additional information regarding this dispute or my follow-up stating I had not received any information from them regarding this matter and that I wanted the accounts 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 non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Back in The beginning of XX/XX/2022 I made a call to Navient trying to lower my payments ( as I have done many times in the last couple of years ). I have never received any assistance in lowering my payments and was told they could only reduce it by probably {$40.00} at most. I was always asked the question how much can you afford to pay followed by is that all. When returning to the line it was always there is very that we can do to help if any help at all. Ive explained several times that I am a single parent that receives no financial aid from the father so I dont understand how I can pay for roof over my head and afford student loans. Navient has this suit going on and I dont know if I qualify simply because I always scraped up what I could to pay so Im unsure if Ive ever been delinquent for 7 straight months. I was always tricked into forbearance but interest always grew so I could never lower my amount. How is it that people who allowed their accounts to become delinquent get all their loans paid off? Were they even trying? Had I even let mine go that far I would have been called 20 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
A creditor is reporting a collection to my report, with an account I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 
Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
Repeated phone calls and letters from XXXX XXXX XXXX and Security Credit Services , LLC to get {$1700.00} for WHY NOT LEASE IT. I told them I was a victim of identity theft and I had never done business with WHY NOT LEASE IT. They repeatedly asked for my social security number and where of no help. They continue to harass me over a debt that is not mine. I have had a fraud alert with the three credit agencies for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Opened a new account with Huntington Bank {$250.00} promotion, 90 days later met all the criteria to activate the promotion and now they say they have no record of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 



By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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 2022-01-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 



By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: IA

Complaint narrative:
To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 

Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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 2022-01-15 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: IA

Complaint narrative:
To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 

Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX by Spouse XXXX XXXX XXXX and myself XXXX XXXX XXXX XXXX which XXXX XXXX CEO and I am listed as president. Both Individuals had all rights to the bank account and were signers on the account at the date of this incident. 


XXXX XXXX XXXX XXXX XXXX a check # XXXX electronically from XXXX XXXX XXXX XXXX # XXXX into her Bank of America Acct # 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 2022-01-15 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: IA

Complaint narrative:
Equifax is reporting the wrong birthdate on my credit report. Please fix this ASAP My birthday is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Please fix my correct updated address of : XXXX XXXX XXXX XXXX, IA 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 2022-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: IL

Complaint narrative:
I went to a dealership to buy a car. I intended to pay in cash. The salesman assumed because I was XXXX  I would need financing, and ran my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Please fix my correct updated address of : XXXX XXXX XXXX XXXX, IA 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 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have reason to believe and do so believe that XXXX have violated my consuner right by providing consumer with False, decpetive forms or misleading representation pursuant to 15 USC 1692eXXXX XXXX have filaed to provide under penalty of perjury documentary evidence requested by consumer to validate and verify alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In XXXX I was in a tractor-trailer rollover at work and sustained a XXXX XXXX XXXX! I now see double and am XXXX because of it. Washington state took my XXXX away in fact making me jobless. In XXXX Washington retrained me as an XXXX XXXX XXXX XXXX In XXXX Covid took my job away because no one wanted a XXXX XXXX in their house XXXX XXXX XXXX XXXX! I have pretty much been jobless since. I had to file bankruptcy, when I filed for bankruptcy the companies involved took everything off my credit report, and then when my bankruptcy was final they put it back on my credit report. Now they wont take it off! Both companies are listed in my credit history and included in the bankruptcy so in fact I am getting docked points off my credit score not only for the bankruptcy but also for the two companies involved in the bankruptcy. I have asked them to take it off and they wont! One, is XXXX XXXX XXXX, the other is XXXX Bank! And my problem is that Im getting docked twice for the same thing. one is listed as a bankruptcy and the other two are listed so that they can put dismissed through bankruptcy chapter 7 in my report. So Im getting docked for the XXXX listing the XXXX XXXX  listing and the bankruptcy listing. Is not this like getting punished twice for the same crime?

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
Acima Credit XXXX Simple XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX phone number XXXX. Opened a fraudulent account in my name with fake address and phone number. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone number XXXX and birth year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Money lion said they would process the money on XX/XX/XXXX and they took it out today on XX/XX/XXXX. I called the customer service and the first representative I spoke to refused to connect me to her supervisor for about 5 minutes. When I finally got in the phone with the supervisor, after concluding she also couldnt help me I informed her I needed her to contact her manager today so I can speak to them instead. She replied she had to send them an email and they would get back to me in XXXX business hours but if I really needed the money that bad I could use the same insta cash services on XX/XX/XXXX when it clears. After me asking more questions she hung up the phone on me. When I called the customer service number back and went through the prompts, the number hung up the phone before I could even be connected with a customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want to complaint Bank of American. I have checking account and credit card. 
I was contacted them since last year. I was try to working dispute the amount unauthorized charges. 
I went to branch Bank of America to deposit a money on the beginning of XXXX 2021. And i was told them account unauthorized charges. The employees at counter Bank of America order new debit card to me. 
After that when i was purchased items on internet I choose a payment from XXXX credit account. I didnt realized items I purchased charged on my checking bank account also. I was contacted Bank of America and XXXXl to resolve this problem. And i had told them im victim of XXXX XXXXXXXX from my ex spouse.and i have a hardship on financial because since he left me with nothing and never help me pay on the bills in community property or my expenses while Im unemployment and i have legs problems. 
XXXX still charged me unauthorized. And i was try contact Bank of American to dispute and resolve problems i was called bank of American use my cellphone number then when someone pick up suddenly they end up my called when transferred to claims department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Well i finally have gotten one fraudulent accounts that were in collections removed and instead of Experian, XXXX, and XXXX, XXXX XXXX raising the score 21 points like advertised, it dropped 21, ive been writing vigorously trying to get fraudulent debts where law enforcement and my XXXX took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports globally soits XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in Florida or NJ or Tennessee, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX Pennsylvania warehouse, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.

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 2022-01-15 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: TX

Complaint narrative:
I mailed in payment and was never processed by XXXX XXXX and they hit my credit, was told it could have been the mail or their error. So I made payment over the phone and they said it would be corrected. Now they are saying it wasnt their error and will not remove it. I should not be penalized for this bank not processing my payment.

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 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
my original loan was for XXXX XXXX  bought my loan on XX/XX/XXXX for XXXX. 
years XXXX, XXXX my payments were late because they could/would not change my due date so that it would be due around my pay period so each month I was given a late fee. by XX/XX/XXXX my loan principal was XXXX I then made payments without late fees for the rest of XXXX, XXXX, My hXXXX  then had a major XXXX in XX/XX/XXXX. They reduced my payment but would not put it on hold. so again, I stopped paying XX/XX/XXXX. XX/XX/XXXX after my legal XXXX. I restarted auto pay and continued payments until XX/XX/XXXX. At that time i was made aware that I have paid so far XXXX dollars. For this loan of XXXX. They say I still owe over XXXX dollars. I think Since I have given this company double of what my loan is that it should be at least paid in full. 

I no longer have the well paying job that I had and at the age of XXXX have only been able to get part time work doing XXXX XXXX. They said I was not eligible for any of the programs to have my loan forgiven. 

How can I get them to accept the amount that has been paid as payment in full.

Company response to consumer: Closed with explanation