vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I keep paying XXXX! 
I pay XXXX  again & again & again! 
I pay XXXX with Auto-Pay! 
I paid XXXX  with telephone payment! 


I pay XXXX  with old-fashioned human to human telephone conversation payment method! 
I paid XXXX with my Primary Checking Account! 
I paid XXXX with my Secondary Checking Account! 



Most recently - I paid XXXX with XXXXBalance Transfer! 
No matter what whichway I pay XXXX - it fails to properly register with XXXX! 
XXXX keeps sending false info to credit files! 
XXXX keeps falsely acting as if - I - allegedly - did not pay! 
Even tho - I DID PAY!

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 2022-02-21 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: CO

Complaint narrative:
I have sent TransUnion dispute letter to remove the inquiries. I didn't get any response and they have not remove the inquires off my CR

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 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I got my credit report an seen things on my credit report that was not my doing I wrote the company & credit Bureau a few times and nothing happen the last time I wrote was XX/XX/XXXX an nothing still DIDNT happen its fraudulent activity on trans union XXXX XXXX XXXX XXXX account # XXXX open XX/XX/XXXX is not mine & the same account is said to be open on XXXX/XXXX/XXXX on XXXX. First off the account is not minethen hows the same account open on 2 different dates that should raise red flags for a company as big as trans union XXXX XXXX then on trans union it says last reported XX/XX/XXXX then last reported XX/XX/XXXX on XXXX? Then it says date last active XX/XX/XXXX on trans union? how was it last reported XX/XX/XXXX but last active XX/XX/XXXX a year earlier than it was last reported?? Can you please remove this off my credit report immediately please

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 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2018, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC
State: CA

Complaint narrative:
The mortgage promised it was a soft pull but they have partnered with this CREDCO to to do a hard pull on my credit.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX 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 2022-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I attended XXXX XXXX XXXX from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX and attended again from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX. I was promised a job placement during both orientation by the XXXX representative. I never received any assistance from the XXXX XXXX representative about the job placement after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX my Credit Karma spend account was locked. The amount is showing as - {$20.00} dollars. The money had been pulled back from my externally linked bank account but before I could resolve the issue, my account was temporarily locked. Despite 6 attempts to get customer service to look into the issue nothing has been resolved. I have my tax return being deposited and I was told that if the account is not unlocked before then it wil get rejected and sent back. I would like a solution ASAP! I have looked into this to see if others have had this same issue with Credit Karma and it seems many others are in the same position with some being unable to access their money spend accounts for MONTHS for " fraud prevention ''. I DO NOT HAVE MONTHS TO SIT AROUND AND WAIT. I want my account unlocked NOW!!!! The people in the customer service do not care nor will they respond to my emails. I have verified my identity, I have done everything!!! Please help me unlock my account. I desperately need into this account. I have already sent the documents into an encrypted link, and the following case numbers XXXX & XXXX as well!!!! Ive submitted proof multiple times and Ive also already given them an explanation on the XXXX filed on XX/XX/22!! I have already submitted other identifying documents on XX/XX/22 to case number XXXX & XXXX. I also submitted a copy of my utility bill and my Social Security card as well. The reason for the XXXX return on my account was because my bank account did not have sufficient funds available, so it rejected the funds, however I do now have sufficient funds so I can deposit the money as soon as my account is unlocked! i also sent the right account statement, the account number is in the top right corner!!! they stated that the external bank account linked was incorrect but I have proof on my statement of the money coming out of that bank account number they are just trying to avoid me and avoid unlocking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 convergent account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX XXXX XXXX  {$980.00}

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 2022-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
In 2017 my loans were transferred from XXXX XXXX to XXXX in hopes to get the Public Service Loan forgiveness. Since 2017, XXXX has not worked with me on payments. Anytime I would call they put me into forbearance. This has hurt the PSLF drastically. Ive been a XXXX XXXX XXXX  for 10 years. Im having to file my taxes married and separate to afford my loan payments. This makes my husband and I loose our tax benefits with having a child. Recently my loans have transferred over to XXXX. You can not get in contact with anyone. Hours in the phone. All they will tell you is we are updating counts but if can take up to 9 months. This is ridiculous! Ive been out of college for 10 years and it is showing Ive only made 33 payments. This is why people give up with the PSLF process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN

Complaint narrative:
In short, I XXXX from XXXX in 2016. I have two need-based loans serviced through ECSI. I have been in medical school for the past 4 years, thus the loans went into deferral.

Upon checking my credit score earlier today, I was very surprised to see a notification for two delinquent accounts. ECSI had apparently re-opened the accounts as I have now completed my graduate education. However, I received absolutely ZERO communication regarding this fact. I missed two months of payments because I never received a statement on any occasion from them. Upon discovering this error, I immediately payed the full balance due, however, my credit score now has the history of delinquent accounts and dropped nearly 100 points.

This is an abject and total failure of communication on the part of ECSI. It is equivalent to a credit card company simply not sending a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I got my credit report an seen things on my credit report that was not my doing I wrote the company & credit Bureau a few times and nothing happen the last time I wrote was XX/XX/XXXX an nothing still DIDNT happen its fraudulent activity on XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX open XX/XX/XXXX is not mine & the same account is said to be open on XXXX/XXXX/XXXX on equifax. First off the account is not minethen hows the same account open on 2 different dates that should raise red flags for a company as big as XXXX XXXX XXXX equfax then on XXXX XXXX it says last reported XX/XX/XXXX then last reported XX/XX/XXXX on equifax? Then it says date last active XX/XX/XXXX on XXXX XXXX? how was it last reported XX/XX/XXXX but last active XX/XX/XXXX a year earlier than it was last reported?? Can you please remove this off my credit report immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and I noticed so violations that were on my credit report I then proceeded to reach out to the credit reporting agencies that were reporting the inaccurate information but they did not correct and delete the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX {$980.00}

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 2022-02-21 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 number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This credit bureau is reporting inaccurate account and payment information as it pertains to a XXXX XXXX XXXXXXXX account that is listed on my credit report. The account number for that XXXX XXXXXXXX XXXX account is XXXX. I have disputed the accuracy of this account numerous times and pointed out to the credit bureau why it is reporting inaccurately and they have done nothing to fix it but continue to report the same inaccurate information. 
With that in mind I am therefore exercising my rights under the Fair Credit Reporting Act and asking this credit bureau to provide me with there method of verification showing that this account is reporting on my credit report accurately. I am requesting documentary evidence provided by the creditor to you showing that this account is reporting accurately on my credit report as it is not reporting accurately. The law gives you 15 days in which to provide me with that method of verification. The fair credit reporting act says that if you are not able to provide me with that method of verification within 15 days of you getting this request then this item should be deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MI

Complaint narrative:
According the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed numerous violations and inaccurate information on my credit report I then proceeded to contact the credit reporting agencies to notify them of the violations but they did not fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. Please update to PAID AS AGREED/NEVER LATE. 

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 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. Please update to PAID AS AGREED/NEVER LATE. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. Please update to PAID AS AGREED/NEVER LATE. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief