vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand 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 XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-08-25 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: MD

Complaint narrative:
On XX/XX/2020, my loan was reclassified as a commercial loan through Navient.com When I called on XX/XX/2020 at XXXX, I spoke with 4 different representatives, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during one 46 minute call. Three agents indicated that my loan was " coming up '' as a commercial loan. And the last person I spoke with a supervisor named XXXX, at XXXX, she indicated that my loan was indeed a federal loan, but that Navient classifies it as commercial because Navient bought the loan and it is now owned by Navient , so federal laws like the CARES ACT do not apply. 

That is illegal under US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Missed payments due to COVID-19 would like to request a Goodwill Letter

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 2020-08-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Missed payments due to COVID-19 would like to request a Goodwill Letter

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 2020-08-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello I submitted my dispute regarding XXXX XXXX company with trans union on XX/XX/2020 and XX/XX/2020 that dispute came back verified but the problem is trans union Violated the FCRA by not giving me the information that I had requested in my initial dispute FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate my dispute trans union violated the FCRA and I would like to have that account removed and any monetary consider for trans union violating the FCRA

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but XXXX   and XXXX reporting open dates of XX/XX/XXXX the date of last activity reporting XXXX XX/XX/XXXX and XXXX XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can XXXX report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of 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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but XXXX   and equifax reporting open dates of XX/XX/XXXX the date of last activity reporting XXXX XX/XX/XXXX and equifax XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can XXXX report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We bank with SunTrust. recently there was fraud in our account. two large deposits showed up and the money was moved around within our 3 accounts, and then sent out of our account, all without our knowledge. This morning we learned the bank subsequently declared the deposits to be suspect and froze our accounts containing all of our money. My payroll was direct-deposited today, and they are refusing me access to it as well. I have talked with their fraud people and the are unwilling to release my payroll funds. Unfortunately it is too late for my employer to cancel the direct deposit transaction. I can understand shutting down the accounts, but my payroll has nothing to do with fraudulent deposits made into my account by someone else. SunTrust is refusing to release these funds, even into a new account. We desperately need help as this has created a dire situation. Thank you.

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 2020-08-25 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:
Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on XXXX # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on Experian XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus. 

Please Delete ASAP.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There is verbiage on my credit file that is inaccurate, NOT TRUE and has caused me to get turned down. I am requesting help URGENTLY. This is FALSE information and the credit bureaus will not remove 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 explanation
Consumer complaint received 2020-08-25 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 am requesting with this written complaint that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : XXXX XXXX XXXX   XXXX Comments states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. XXXX XXXX XXXX  XXXX Comments states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. XXXX   XXXX XXXX  XXXX This account shows three 120 day late 's consecutively from XXXX. You can not have the number of day late 's the same more then one month in a row. This is non-factual reporting Please remove this account. XXXX XXXX This account should not be reporting a status date after the final paid date. This is non-factual reporting Please remove this account. XXXX XXXX XXXX XXXX No contract with this company. XXXX XXXX XXXX No contract with this company. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AL

Complaint narrative:
I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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:
Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on TransUnion # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus. 

Please Delete ASAP.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on XXXX # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on Equifax XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus.

Please Delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received an alert from my credit monitoring service on XX/XX/2020 that my credit card with XXXX via Comenity Capital Bank had been closed. I contacted their company that same day. My account was paid on time and had no issues. After speaking with their rude and unhelpful customer service agent & supervisor, I was informed that it was closed due to inactivity and that I would need to reapply for the account again. The account was closed on XX/XX/2020. There was no prior notifications sent from Comenity and they didn't have the correct address on file for me. The reason for inactivity is due to COVID-19. This a card that can only be used at XXXX Facilities which have been closed since XXXX in my area. Also, this card is for car related repairs but again due to COVID-19, I have not used my vehicle due to government mandatomed quarantine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My XXXX points with American Express Membership Rewards are on hold at least since XX/XX/XXXX and I already missed several opportunities of transferring some of these points to airline partners because of this hold. Today I found out again that my points are still on hold, almost 8 weeks since my first inquiry. I called again today and was just told that they don't know why my points are on hold. I have several cards with American Express and they couldn't even tell my which card triggered the hold. I am a customer since 2005 and this has never happened before. 

The representative said that it could either be from getting a new sign-on bonus ( opened a new business card for a new business in XXXX but did not receive any bonus ), from getting refunds ( I had a few smaller refunds due to travel being cancelled with Covid-19 ) or  for " suspicious activity '' ( does not apply to me ). 

It is very frustrating to have cards with a company for 15 years and then be treated like an outlaw over membership rewards points, which is one of the selling points for American Express. What's the purpose of membership rewards points if I am unable to use these? There is absolutely no transparency in this " review '' process with referrals to the " back office '' which supposedly does not have phones. No messages, no names, nobody to talk to ... just like the mob.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received an email on XX/XX/XXXX from CapitalOne stating that they were decreasing my credit limit on 2 credit cards. One by 60 % and the other by 80 %. I have been a customer with one of those cards for 17 years. I have had zero late payments. I called customer service because I am also in the middle of refinance and its not clear if their decision will affect my closing date. CapitalOne is saying their is nothing they can do. I escalated to management and the same was said. This will affect my good credit score of XXXX. They've said that my letter explaining in more detail is in the mail, the only explanation in the email states that's its because I'm not using enough credit. In the past I've never had my credit reduced, if anything over the years it's increased without me asking. This also puts consumers at risk with its poor business practices, this will decrease my credit. Additionally, if I close these credit cards that will take an additional hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My application was denied Due to Excessive obligations in relation to income, I tried calling kohls credit Department to explain to them about my income but, they stated that they got my income and my credit obligations from XXXX. I call XXXX credit bureau and they stated that XXXX never includes annual income in credit report. My credit cards, car payments, mortgage payment and other loans does not even reach 50 % of my income.. they can add up all my payments together and then subtract from my {$7900.00} monthly paycheck and see if I qualify or not? ( annual income is over XXXX per year after Tax ) of course I can provide prove of income either with my Tax return or check stub. 
so I want to know how they got to this conclusion? 
Is this some kind of erroneous, or none-sense excuse to turn down my application? I need an explanation instead of passing me to XXXX   which has nothing to do with My income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
I asked Experian to look into my account for XXXX. The account is still on my credit even as it has been more than seven years. The account was opened in 2011 and it is still on my account. Can you please help them to see that this account is not suppose to be on my account and even as I live in Georgia.

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 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The account with DEPT OF ED/ XXXX has been listed closed since XX/XX/XXXX! Now someone is magically reporting missed payments ( since XX/XX/XXXX & continues ) on this closed account that I know is inaccurate and a violation because there should be NO ACTIVITY after the close date! I've sent in several disputes and attached proof that may help with the removal of the account but XXXX, TransUnion, and DEPT OF ED/XXXX refuses to remove the inaccurate accounts and continues to violate my rights per FCRA!

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 2020-08-25 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: SC

Complaint narrative:
The account with DEPT OF ED/ XXXX has been listed closed since XX/XX/XXXX! Now someone is magically reporting missed payments ( since XX/XX/XXXX & continues ) on this closed account that I know is inaccurate and a violation because there should be NO ACTIVITY after the close date! I've sent in several disputes and attached proof that may help with the removal of the account but Equifax, XXXX, and DEPT OF ED/XXXX refuses to remove the inaccurate accounts and continues to violate my rights per FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My Paypal was locked for 180 days for Fraudulent Activity. I am in serious need of the funds and I would like to be able to transfer my funds to my linked cards or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
ChexSystems has caused Financial Deformation by reporting inaccurate information. ChexSystems has provided one report dated XX/XX/XXXX stating the Source of reported information is from XXXX XXXX XXXX Missouri XXXX. XXXX XXXX, XXXX XXXX MO XXXX and in another report dated XX/XX/XXXX has changed the Source of reported information to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. Both reports have the same account number and Paid if full as closure Status, but the reports show two different reporting dates. I spoke with employees XXXX XXXX and XXXX XXXX to fix this issue and correct the in accurate report but they refused to. My report id is 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