vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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: NY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: NV

Complaint narrative:
I have recently checked my credit report and the following account The Golden 1 Credit Union ( Account Number : XXXX ) ( Account Type : XXXX XXXX XXXX ) is reporting late for XX/XX/XXXX. Also this account has stopped reporting to XXXX. Please report to all XXXX Credit bureaus and report to XXXX all payments made on time including all dates from starting date of this account opening from XX/XX/XXXX- XX/XX/XXXX as current. I have never been late for this account. This is a violation pursuant to 15 U.S. Code 1666b ( a ) - 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 2022-04-23 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: OH

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-23 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: OH

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXXXXXX XXXX XXXX # XXXXXXXX ..... 
XXXX XXXX # XXXX .... 
XXXX 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
There has been a false deceptive and misleading representation in the contract that NFCU is claiming that they loan me credit which has now lead to a billing error for statement of XXXX XXXX, 2022. The deceptive language has violated my consumer rights under the truth in lending act. They are also reporting late payments which is also a violation of my consumer rights pursuant to 15 U.S.C 1666b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT

MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as poss
ible.

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 2022-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

These addresses don not belong 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 2022-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

These addresses don not belong 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 explanation
Consumer complaint received 2022-04-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, XXXX, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: FL

Complaint narrative:
I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, Transunion, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back 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 explanation
Consumer complaint received 2022-04-23 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:
I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus Equifax, XXXX, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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:
I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, XXXX, Experian have deleted the accounts which confirms that the information is incorrect. However they placed the items back 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 explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern account systems sent me a letter with my information to collect {$420.00} for a Doctor that I never saw. I explained this to them numerous times and receivedno help to resolvethe issue. I spoke with the doctors office they were trying to collect debt for and confirmed that no one visited that office using my name or information so filing a police report for fraud was useless. Eastern account systems reported this debt to my credit which resulted in a XXXX point drop, I am extremely upset about this. On the same day I was notified they reported this to my credit, I called them and only then did they say they discovered that the wrong Doctor information was put on the notice they sent me and it was in fact now my doctors office listed. I immediately called my doctors office to verify and ask why I was never notified by them directly. I paid the {$420.00} in full that day directly to my doctors office. Eastern account systems still has not removed the debt off of my credit and has not updated the information. They have ruined my credit due to their incompetence and none of the employees care to do their job correctly. This is such an extreme example of misuse of power and they should not be allowed to ruin people 's lives. I want this company to be investigated so they can never have the power to do this to anyone else, this is such a travesty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-23 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: PA

Complaint narrative:
in accordance with fair credit reporting Act XXXX, Transunion, XXXX has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report 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 XXXXXXXX and phone 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 2022-04-23 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: PA

Complaint narrative:
in accordance with fair credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report 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 and phone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have applied for the XXXX forgiveness program under the new waiver that was announced in XX/XX/XXXX. FedLoan acknowledged receipt of my application for forgiveness on XX/XX/XXXX. On XX/XX/XXXX, they confirmed my employment was confirmed as eligible. On XX/XX/XXXX, FedLoan transferred all of my loans to them and they became my new servicer. On XX/XX/XXXX, they loaded my application results. 

Under the old rules, I had 7 qualifying payments. I was then told they'd transfer my application to Federal Student Aid ( FSA ) to review my payments from XXXXXXXX to present under the new waiver. FSA was then to get back to FedLoan with the results. 
Over the past XXXX XXXX months, I have called FedLoan 5+ times, including talking to their ombudsman line 3 times, to confirm everything was in order. Each time I was told all I had to do was wait for FSA to review my application under the new waiver. However, when I called Fedloan on XX/XX/XXXX, the employee agreed that he felt something was wrong and maybe someone had dropped the ball and that he'd get it fixed. 

Because this seems to be taking a lot longer than it has for many others and because of my call on XX/XX/XXXX, I called the FSA ombudsman line on XX/XX/XXXX. ( case # XXXX ) I was informed that my XXXX application was not uploaded into their XXXX system. Without FSA being able to access the application, of course they can not review for forgiveness. I then immediately called FedLoan to let them know they had failed to send over my application to FSA for review. I spoke to an ombudsman at FedLoan, XXXX, employee number XXXX. He told me my application is showing up in the National Student Loan Data System and he isn't sure why FSA can't access it. 
I called FSA to let them know that FedLoan believes they sent over my application on XX/XX/XXXX but I had to leave a message and no one has called me back. 

At this point, there seems to have been a failure to communicate between FedLoan and FSA re : my request for XXXX forgiveness. I feel helpless to rectify the mistake and no one seems to know how to assist me. I am desperate for FSA to review my application for forgiveness as I believe I qualify and we start paying loans in just a few short months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did a cash out refinance on my home in XXXX last year and the money I took out was used to pay off all my debts which included loans, credit cards and one car loan. I received separate check from the title company to pay each individual creditor. Everyone of my creditors except for CitiBank credited all my accounts. Citibank was giving me extensive issues with providing me the account number as it was for a XXXX card that was closed months previously and destroyed and signing into my account and statements only provided the last four numbers of the card. After going back and forth and them telling for security reasons they could not give me the account number over the phone, I asked them to send me a letter with the account number and they never did that also after they said they would. I then after having the check for weeks decided to put my social security number as they let insisting to do to indenting the account for processing. The check was cashed and my account was not credited and I called many times to find out why the account was not credited, even sent in the evidence of the cashed check after my the my deed holder XXXX XXXX XXXXXXXX reached out to the title company and sent me the evidence. They sent the information to their escalation department and then sent me a letter saying the check was cashed by XXXX XXXX and not them. I went to XXXX XXXX with the evidence and they are claiming the check was cashed by XXXX XXXX which is a part of CitiBank and they do not have any records of the funds. The title company is saying they cant help me either as the check was already cashed. To further matters Citibank is not only resolving the issue but has sent the account to collections who I had to contact and let them know this is a debt I paid off and sent them the evidence and they are now disputing the report with Citibank. Is there any way you can help 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 2022-04-23 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: DC

Complaint narrative:
Transunion and XXXX refuse to unlock my credit and refuse to accept that I am me. So, I have no way to fix this because they won't accept that I am 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 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.

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 2022-04-23 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: PA

Complaint narrative:
MY COMPLAINT IS SUBMITTED BY ME PERSONALLY. IT IS NOT INFLUENCED BY A THIRD PARTY OR ANYTHING OF THAT NATURE. PLEASE REVIEW MY ATTACHED 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