vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: VA

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/2021. And now we are in the month of XX/XX/2021 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. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM 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

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 2021-12-28 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: CA

Complaint narrative:
TransUnion is fraudulently still showing I owe to XXXX  XXXX XXXX credit card. it was all paid. Balance is zero.

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 2021-12-28 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have filed a dispute in regards to inaccurate items on my credit report. It has been well over 30 days and I have not received any results with investigation.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
After sending 2 complaints regarding BB & T/Truist account handling through the FDIC, regarding the improper financial management of my checking account along with the request of the return of overdraft fees and money 's owed due to fraudulent activity ; BB & T/Truist decided to retaliate against me again on XX/XX/2021 when finally crediting the {$0.00} and excessive fees ; by recalibrating my account debits/credits and assessing another {$36.00} overdraft hen the bank should have credited and refunded my account in time. I am asking for the retaliatory overdraft fee to be credited back to my account accordingly. Please see the attached picture documenting the financial institution 's retaliation.

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 2021-12-28 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: CA

Complaint narrative:
My complaint is in connection with XXXX XXXX XXXX XXXX reporting fraudulent information on my credit report and Experian failing to investigate this matter. XXXX XXXX XXXX XXXX has sent me all the paperwork in connection with this fraudulent account. There is no form amongst this paperwork disclosing the opportunity to Opt Out. This alleged account is in connection to a car purchase transaction. According 15 USC 6802, there should have been a disclosure with the option to Opt Out. A financial institution such as XXXX XXXX can not disclose nonpublic personal information without first providing a consumer notice that complies with 15 USC 6802. I never received this Opt Out notice. I can tell you if I ever had the opportunity to fill out this document I would have because this company has been a nightmare to communicate with. I have lost wages due to this illegal activity and been denied credit. XXXX XXXX is currently committing aggravated identity fraud as defined in 18 USC 1028A. Experian is reporting this fraudulent account on my credit report despite multiple attempts to dispute the legality if this account being there. Both companies are committing aggravated identity fraud against me. 

The Account : XXXX XXXX XXXX Account Number : 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 2021-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Flagstar is not following the FHA Covid 19 Loan Modification guidelines. According to FHA guidelines, the target new mortgage payment, principal and interest should be reduced by 25 % to assist families to avoid foreclosure. Instead, I received a reduction of 40 .

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 2021-12-28 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: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
On or around XX/XX/XXXX First National Bank Of Imaha sought an application to extend a card card To me on behalf of XXXX XXXX XXXX as an agent for the principal ( XXXX ) warranty for my XXXX XXXX XXXX. The rejection came on XX/XX/XXXX stating I had the following : SERIOUS DELEINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED RATIO OF BALANCE TO LIMITS ON XXXX XXXX ACCOUNTS TOO HIGH TOO MANY ACCOUNTS WITH BALANCES These disputes are nefarious at thier core My accounts covered a large time exposure and included XXXX. 
These critics exclude the fact that I have 3 banks XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and a score over XXXX in each credit data company and two credit cards and I and LLC to a commercial company.

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 2021-12-28 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: DC

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4

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 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: IN

Complaint narrative:
This company has called multiple times asking for someone I dont know each time I tell them I dont know this person and inform them to please stop calling my home. Today I answered and tried to say hello multiple times after I said it three times the lady on the other end said I SAID I WAS CALLING TO SPEAK TO XXXX, ARE YOU _______ to which I replied no because Im not. To which she proceeded to be extremely snarky. And I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: SC

Complaint narrative:
i tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it removed from 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 2021-12-28 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: SC

Complaint narrative:
i tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it removed from 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 2021-12-28 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: CA

Complaint narrative:
I am a victim of Identity theft and have sent Experian a letter to let them know on XX/XX/21. They received the letter on XX/XX/21, along with an Identity Theft report & identification. There are two fraudulent accounts on my report that have been a result of identity theft, namely : XXXX XXXX Account # XXXX XXXX Account # XXXX Experian has yet to take any action on this serious matter.

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 2021-12-28 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have reached out to LVNV Funding and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. LVNV funding is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: IN

Complaint narrative:
I've contacted Key Bank several times asking them to apply additional payments to my principal. The first time I was told I couldn't do that. The second time I was told I had to pay the principal reduction before the XXXX of each month. The third time I was told I had to make the regular and principal payments together. The last time I was told that they would try to apply this additional payment ( paid in XXXX ) to principal but that it would not show up until next statement and that I had to call each month to have any additional payments applied to principal reduction. I told the representative that I'm trying to pay down the loan but he said that if I did not send the additional payments via mail, I will have to call each month. They are also changing my regular monthly payment so that I continue to pay the high interest rate. The interest rate is 11.29 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
EQUIFAX has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave EQUIFAX permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. This has caused tremendous stress and XXXX in my life. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with EQUIFAX giving them permission to furnish any information on me. Also, Pursuant to 15 usc 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: OR

Complaint narrative:
On XX/XX/2021 - I mailed a cashier 's check issued by XXXX XXXX to CarMax Auto Finance for the early payoff balance of my vehicle : {$10000.00}. 

On XX/XX/2021, I checked the balance online and the account hadn't been updated yet. The cashier 's check was received by CarMax Auto Finance, endorsed ( XX/XX/XXXX ), and deposited into their XXXX XXXX account. 

I've made multiple calls to CarMax and trips to my local XXXX branch, attempting to resolve this issue. The explanations I have been receiving from CarMax have been changing throughout this process. In addition, after each contact iteration, CarMax hasn't provided any status update or new information. In fact, I have been promised multiple times that they would call me back, or email me- which never happened. Perhaps this is the company response when you try to pay off a vehicle early? 

XX/XX/XXXX : Call to CarMax ( XXXX ) Spoke with XXXX : She told me " They received the check. It's just a posing error. You will not be penalized. Your account will be updated shortly and title will be mailed to you ''. 

XX/XX/XXXX : Spoke with ( XXXX ) : She told me " The check was returned as a fraudulent check ''. I asked her for additional information, and she didn't have any. I asked to speak to the finance department. She told me they don't have a phone number or an email address. They only have a fax number and they will not provide any verification of receipt. 

Spoke with manager XXXX : He told me the cashier 's check was returned for fraud. I asked him for additional information. XXXX told me that he didn't have any. I gave him the cashier 's check information ; Date endorsed, XXXX XXXX account number, etc. He insisted this was my issue. I asked him if he could investigate on his end and he refused. 

I faxed the bank information I had to the CarMax Auto Finance fax number. 

On XX/XX/XXXX, I called CarMax and spoke with XXXX. Then spoke with Sr Manager XXXX XXXX. This time I was told my bank put a stop payment on the cashier 's check. I emailed her copies of the endorsed check, bank statement, etc. She guaranteed she would contact me in 2 days on XX/XX/XXXX. I was never contacted. 

XX/XX/XXXX : Called CarMax and spoke with XXXX. There are no new account notes on file. I requested to speak with a manager. I was told none was available. 

I've went to my XXXX branch multiple times throughout this process. The Regional Manager assures me, there are no issues with the cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX of 2021 I started to sell one of my properties and was told that a lien was placed on my property by an attorney 's office representing XXXX XXXX XXXX, XXXX. During the process I discovered an account was opened that was due to fraud. XXXX did not handle the matter in a timely fashion thus causing the real estate deal to fall apart. It took them several months to right their wrong when I had proof to show it was not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
A collection account from Creditors Bureau Associates was placed on my Credit on XX/XX/2021. I immediately filed a dispute with XXXX only to find out that Creditor Bureau Associates was collecting a paid in full debt from XXXX XXXX XXXX XXXX. 

Subsequently, during the dispute process, a representative from Creditors Bureau Associates by the name of XXXX XXXX contacted me on XX/XX/XXXX. I explained to XXXX XXXX that this account and any other balance due to XXXX XXXX XXXX XXXX was paid in full via a settlement in XXXX of 2021. XXXX XXXX asked for proof which I forwarded to her an email from XXXX XXXX, XXXX Supervisor, at XXXX XXXX XXXX XXXX. 

I had not heard back from the agency but on XX/XX/XXXX, I received notification that my dispute with XXXX was complete and the account was verified. Not sure what that means but I had already sent the proof to the collection agency that it was false and should have never been forwarded to them. 

The agency then proceeds to add the same invalid collection account to my XXXX credit report as well. 

I attempted to call on Tuesday, XX/XX/XXXX after receiving further documentation from the collection company showing proof of the two payments I made in XXXX of 2021. One payment on XX/XX/XXXX in the amount of {$300.00} and another payment on XX/XX/XXXX in the amount of {$100.00}. 

The agent I spoke to transferred me to a supervisor where I ended up having to leave a message with no callback. 

I will be filing a complaint with the credit bureaus as well for allowing inaccurate information to be placed on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent to Transunion Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXBalance {$4900.00} XXXXXXXX XXXXBalance {$0.00} XXXX XXXXBalance {$790.00}

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MD

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 have been patiently waiting on their response about the written requests I sent to Experian Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXXBalance {$4900.00} XXXX XXXXBalance {$790.00}

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