vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: TX

Complaint narrative:
TransUnion is reporting an unverified, erroneous account by the name of DPT Treasury with the amount of {$26000.00} on my credit file. From XXXX-present I have disputed this account with the credit bureaus. XXXX and XXXX have deleted this account due to being unable to verify this account. TransUnion, on the other hand, has somehow verified this account. I have asked for Transunions method of verification for this account in all of my disputes and have not received anything. Upon contacting the furnisher of the information, they admitted over the phone that they do not possess a contract or anything that states the above account is mine. The DPT Treasury even states there is nothing that proves the account belongs to me. I inquired about how to debt originated and a specialist with the DPT Treasury, by the name of XXXX XXXX, stated that the State of Texas helped my family fix our home during Hurricane XXXX. I am NOT a homeowner and have never been a homeowner. I even asked for proof of this alleged contract with the State of Texas and was told the DPT Treasury doesnt have it. How is TransUnion verifying this account when XXXX and XXXX, and even the Furnisher couldnt? I have no business relationship with the DPT Treasury. TransUnion nor DPT Treasury has provided me proof. TransUnion is deliberately reporting inaccurate, erroneous items on my credit file. I have already sent this information to my State Representative to try and get this figured out. Going to court is my last resort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: PA

Complaint narrative:
On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
i had a XXXX charge from XXXX. It went straight to a collection agency. I never received a bill from XXXX. It is XXXX and this is STILL on my credit report. Even though the date of first delinquency is over the maximum allowed time. I have disputed this and nothing has been resolved. i can not even get an explaination for what the bill is for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Money was removed from my Checking account with XXXX on two separate transactions from MONEYLION. I have never had any interaction with this company nor heard of them until today seeing this in my account. I contacted the company today with no results. 

ORIG CO NAME : XXXX XXXX XXXX XXXX ENTRY DESCR : XXXX XXXX : WEB IND ID : XXXX ORIG XXXX ACH debit {$19.00} Pending ORIG CO NAME : XXXX XXXX XXXX XXXX ENTRY DESCR : XXXX SEC : PPD ORIG XXXX ACH debit {$44.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NY

Complaint narrative:
On XX/XX/21, I called my credit union ( bank ) to ask about loan rates ( in general ). They then ran an inquiry on my name, without my permission, and called it a mortgage application. I found out about it immediately & called them to demand them to remove the inquiry. They said they did, but that it might take up to 30 days until it disappeared. I then had them send me a letter stating that this inquiry was run on my by THEIR mistake & that I did not make any loan application ( not mortgage or otherwise ). It's now been 1- 1/2 months & it is still showing on my credit report. This is WRONG.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
For at least a 3 months ( my phone doesn't show farther back than a month and I can't remember exactly when this started ) this company has called me at least twice a day, nearly every day. It is a different number each time, increasing by one ( XXXX, then XXXX, XXXX ... ) so I can not block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: MO

Complaint narrative:
I talk to XXXX college about not be able to attend school years ago on the behalf of not having wifi to take the courses. They didn't believe me enrolled me and still charged me. After I had told them that I wasnt able to attend at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Lowe 's is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt. This debt is very old and past the statute of limitations in Utah. Under the FDCPA I no longer have to pay on this debt and lowes can no longer make any collection efforts which includes credit reporting. I do not owe this debt and it needs to be removed off my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: LA

Complaint narrative:
I had a checkr background check ran for a job at XXXX. My motor vehicle report came back with the wrong info on my drivers liscense being suspended but it has been re-instated and im no longer able to get into my XXXX checkr background check. They emailed my manager to tell me to file a dispute but i can no longer access the background check. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: PNC Bank N.A.
State: VA

Complaint narrative:
My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 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: AES/PHEAA
State: PA

Complaint narrative:
I submitted my employer certification form for the Public Service Loan Forgiveness program in XXXX of XXXX. On XX/XX/XXXX I received a letter from FedLoan Servicing stating they received it. On XX/XX/XXXX I received a letter stating they needed more time to determine if the employer qualified. I followed up with them again and let them know that this was the same employer, the same job, and the same EIN number that I submitted previously ( XX/XX/XXXX ) and which was immediately approved at that time. They would not give me a clear answer as to why it was different this time. At first they said it was a different EIN number, but then I showed them that it was the same EIN number, and then they had no answer. They said it could take three months to approve. I have reached out multiple times and never get any new information. It has now been over 4 months and there is no answer. Again, this is the exact same employer ( a public school district ) and the exact same EIN, and the exact same job that they previously approved in a matter of days. There is no reason I should have to wait months and months for them to process my employer certification form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I got these accounts that are not mine and i want them to be remove from the credit reporting agencies. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: LA

Complaint narrative:
In XXXX I sent letters to report inaccurate accounts on my credit report. I was not informed of these debts and as the original debtor, I should have been. I would like these removed from my credit report which is causing some hardship, and to be furnished with new credit reports with them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: VA

Complaint narrative:
My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: VA

Complaint narrative:
My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: VA

Complaint narrative:
My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit control corporation in XXXX XXXX Virginia continues to report medical debt on my credit report that is not owed. I have called them dozens of times, submitted insurance information as well as disputed with the three major credit agencies. My husband is XXXX XXXX military and we have XXXX  prime insurance in which we are not responsible for any co-pays, deductibles or fees or any kind when it comes to XXXX XXXX. They have been report and attempting to collect from my over {$1000.00} since XXXX. When I report it to the credit reporting agencies it just starts the clock over for when it is being reported, so now my report reflects XXXX, XXXX and XXXX when some are 6+ years old. I have also submitted complaints to XXXX directly and they state they have done everything they can but these accounts are no longer with the original facilities so its up to credit control to drop it. I do not owe these debts and this is a huge injustice to service members and their families as I am not the only one dealing with their shady tactics to money grab from service members.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I purchased furniture at XXXX XXXX, XXXX, La. The transactions associated with this creditor were in my opinion, unprofessional, demanding, humiliating. My credit report is shot due to COVI., and unable to continue XXXX XXXX XXXX XXXX. 
I need to move out of my home and downsize due to my health. I can not do it due to my credit report. I am without a car due to my credit report. 

Hope to get this resolved ASAP. Thank You. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
Key bank is using XXXX XXXX and is refusing to refund my money when I brought a scam to their attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
I noticed a collections account placed on my credit on XX/XX/2021. The debt was initially placed with LTD Financial Services on XX/XX/2021. I received no notice of debt, and I did not receive a right to dispute said debt. Since I've been made aware of this errant collections account I've sent letters to LTD Financial requesting the removal of the account, a debt validation letter, a Cease and Desist, and any correspondence signed by me licensing LTD Financial with ownership of said debt or contractual obligation with LTD Financial. 

Since LTD Financial has received the Cease and Desist letter demanding a cease in communication with me through any and all mediums the collections agency has called my personal cell line ( XXXX ) XXXX XXXX almost daily. This is in direct violation of 15 U.S. Code 1692c which states : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. ''

Company response to consumer: Closed with explanation