vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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: MI

Complaint narrative:
XXXX, XXXX and Transunion is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/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 2021-10-29 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: MI

Complaint narrative:
XXXX, Equifax and XXXX is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I need your guys help here. I just looked on my credit report and i found a ton of inaccurate reporting from TransUnion. It is really crazy there's inaccurate late payments, payments showing on accounts that have been paid, collection accounts that i don't even recognize and the list just goes on. I mailed out a request for verification on XXXX. Then again on XXXX. But they are ignoring my request. How can they have this information on my credit profile and mess up my score. I tried to speak with some lenders and i keep getting denied because of the inaccuracies on my credit report. I just need somebody to update the inaccurate late payments from my account, and remove the collection account since it has been well over 30 days. I know the Fair Credit Reporting Act says they have 30 days to verify this stuff and they haven't done anything. I also know that the Fair Credit Report Act says that TransUnion can only report accurate information on my credit report. This is not accurate and it is really hurting my credit and causing me to pay unnecessary high interest rates. I need somebody to help me bc they aren't even investing my stuff.

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 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FACT : Im submitting this complaint myself and there is no third party involved. TransUnion LLC, and XXXX has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. They are reporting a Bankruptcy on my credit when there is no public record to be found. I have had my consumer report ran through several consumer reporting agencies and they all confirm that there is no judgement or public record attached to XXXX ( see attached consumer reports from other consumer reporting agency ). I have contacted the courthouse where this alleged Bankruptcy was filed, and they said they have no record NOR do they sale this information to third party consumer reporting corporations. Because of this false negative allegation, I have been forced to move into a horrible part of my city and pay three times the rent. I have contacted TransUnion LLC, and XXXX multiple times and all they keep saying is they'll start a dispute process. As a consumer I did not give TransUnion LLC, NOR XXXX written permission to house ANY information on my person, public or private. They are in clear violation of 15 U.S.C. 1681 ( a ), 15 U.S. Code 1679b : ( a ) In general No person may ( 1 ) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading ( or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading ) with respect to any consumers credit worthiness, credit standing, or credit capacity to and the Illinois States Attorney General has been contacted as well as the Federal Trade Commission. I, the consumer, have a right to correct information on my consumer report and am demanding that this false alleged information is permanently deleted from my consumer report and any public or private database.

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 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have never been associated with the company XXXX. There are two accounts on my credit report relating to this company. I have completed a FTC to provide evidence of fragluent activity on my credit file. At this time I would like to have this account removed. They are having a negative effect on my credit and creating a damaging image on my image. 

Attached is the FTC

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 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The fact that I have been dealing with since XXXX for 2021 without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. 

According to the last complaint Transunion requested a additional 60 days to review the dispute. They have yet to respond. It is past the 60 day mark. At this time I request removal of account # XXXX Attached are documents to support my claim.

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 2021-10-29 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Private student loan was sold by Wells Fargo to XXXX XXXX. In the process I paid wells fargo but XXXX XXXX and Wells marked the loan as past due but it was in the middle of being sold. So now the Wells account shows as closed and deliquent and the XXXX XXXX account is on my report. I can't get XXXX XXXX to show me any validation of the debt including any signed contract with them.

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 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I send money to my friend on XXXX And the amoun is {$410.00}. 
The company shows the recipient recive that amount what she is not. I talk to company 4-5 time they give me UTR number : XXXX. 
Still i m wating for tranfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been sending written letters since XX/XX/XXXX with regards to my request of removing the inquiries in question and my last request was sent XXXX XXXX.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied 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 Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC
State: PA

Complaint narrative:
I authorize Carvana and associates to respond to this complaint in its entirety I XXXX XXXX am a consumer under federal law no third party is involved when creating this complaint. 
I applied to Carvana with the intent to initiate a consumer transaction. After I reserved one car your company told me I could not afford the first and needed to select another I than chose another vehicle while my employer is giving me a grace period to return to work time goes by and the vehicle chosen was still not available a month later, I ask your customer service reps will I still be approved for the vehicle or if I should choose a new vehicle. They stated I would be fine. I chose a new vehicle and now I am unable to get the vehicle or able to return to work because my job requires a vehicle. We sort the matter out and moved on to verification I verified who I was with multiple documents they told me the documents could not be used because they stated Street ( St. ) instead of Avenue ( Ave. ) which the us postal systems manage that information and says it is ok as long as the zip code is a match. After I sent in all documents I called the staff so they could allow me to know if the documents were eligible for approval the guy stated yes and he approved them. Told me congratulations we will send you a congratulations email and or text letting you know your vehicle will be arriving XX/XX/XXXX. I even started an insurance policy on the XXXX XXXX XXXX with XXXX XXXX because I was given the ok that this vehicle would be mine. I then receive a cancelation email from XXXX stating they will no longer approve my consumer transaction even when I already paid for the vehicle with my signature on the promissory note or contract which under 18 U.S. Code 8 - Obligation or other security of the United States defined https : XXXX Also this was deceptive and unfair practices 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.https : XXXX2 UCC 3-402. SIGNATURE BY REPRESENTATIVE. https : XXXX # XXXX If the represented person is bound, the signature of the representative is the " authorized signature of the represented person '' and the represented person is liable on the instrument, whether or not identified in the instrument. 

I have more violations with supporting exhibits that will be used in the Affidavit Of Truth and intent letter if this matter can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three credit reporting agencies : Transunion, XXXX, XXXX do NOT have customer service that answers the phone. All three push consumers to an automated phone line where it is not possible to speak to a human. I've often had trouble logging in to their site and am unable to recover a password or unfreeze my credit, causing me to miss opportunities to apply for credit. 

Many other industries have requirements that customer service ( human ) must be available to customers. Why are these companies allowed to have such a large influence on our lives without being required to provide adequate human-based customer support? 

See attached file or try calling any of the toll-free number for any of the major reporting agencies and attempt to get a human on the phone- it is literally impossible. They simply have their system tell you it can not help you and then hangs-up on you. 
However if you pay them an annual fee - then they will answer your call. This is a way for them to try to bilk consumers out of money after they are already being paid by companies and being reckless with our data ( exposing our social security numbers in poorly protected systems ) Customers have no choice but to use these companies- so we MUST be given options to speak to them when things go wrong and they negatively impact our lives.

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 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Sent letter to comenity bank requesting original documents and proof Comenity/Forever 21 account. Comenity failed to provide this information more than 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: GA

Complaint narrative:
he fact that I have been dealing with since XXXX for XXXX without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. At this time I request removal of account # 15 Attached are documents to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
MY XXXX XXXX XXXX LOAN ACCT XXXX .... WAS PAID OFF IN 2015 BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.

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 2021-10-29 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: EQUIFAX, INC.
State: IA

Complaint narrative:
MY XXXX XXXX XXXX LOAN ACCT XXXX .... WAS PAID OFF IN 2015 BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: GA

Complaint narrative:
he fact that I have been dealing with since XXXX for XXXX without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. At this time I request removal of account # 15 Attached are documents to support my claim

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 2021-10-29 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied 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 Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXXBalance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXXDate Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXBalance XXXX XXXX XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXBalance : XXXX XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX Dear Person, I am writing in regard to Public Service Loan Forgiveness ( PSLF ). In XXXX, my student loans and my former spouses student loans were consolidated into a Joint Spousal Consolidation loan. For what should be obvious reasons that particular loan consolidation program only was offered for a few years. The major problem with those loans is that when you divorce, you are both still jointly liable for the loan which creates numerous problems. You cant separate the loans under any circumstances it appears and you cant convert them into XXXX XXXX XXXX. I have been a XXXX XXXX and a XXXX XXXX  for 16 years, however, I cant even consolidate the loan into a Direct Loan to be able to get PSLF not even under the new waiver program. I have given almost 16 years of my life in public service at very low wages and this is the thanks I get for doing so. I pay {$320.00} a month as my half and on a XXXX salary and now XXXX XXXX salary I barely make ends meet. This is inequitable on so many levels. I have tried over the last 13 years to inquire as to any changes or solutions for my circumstances and always to no avail. Today I spent 2 hours on the phone with both Navient and XXXX XXXX XXXX, only to be told once again that I cant qualify for loan forgiveness. 
I am begging for someone to please do something to help those of us who were foolish enough to sign on to that Joint Spousal Consolidation program. I have never missed a payment, I have worked in public service for almost 16 years, I am XXXX years old, at this rate I will never be able to retire. Any pension I receive, my student loan payment would equal 1/3 of my pension. Someone has got to do something for those of us in these circumstances. I have written before to no avail, I am hoping someone out there cares enough to fix this situation. 

Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NJ

Complaint narrative:
Revco Solutions is trying to collect {$720.00} in behalf of XXXX XXXX for a medical device that was paid for by insurance.

Company response to consumer: Closed with non-monetary relief