vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXXXXXX XXXX, but no response was ever received from them to date. The inquiries are constantly reporting on my Credit Report. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
I went to a web site to a company that said they would help with my credit scores. I deposited money in the account they gave me to start the program to help restore my credit for better standing. I first deposited {$27.00} ... the amount to deposit was {$9.00} ... instead I gave them, XXXX ... the next payment I gave them was {$100.00} ... I thought I was to get the card... but later found out ... I had to put the entire {$500.00} in the account before I get the card ... I later found out ... that I had an emergency bill I had to pay ... I asked them to close the account ... that I needed my money to pay a bill ... That was a week ago... I sent them an email... they emailed me back..and said they were going to deposit my money into my Bank account at XXXX that same day... and it would take a few days... I got back in touch with them again, and they said they had submitted the payment, that has been going on now for almost two weeks, and these people have not gave me my money yet. I believe they are trying to keep my account open, so they can go back into my account and get a payment of XXXX ... and report to the credit bureau that i am late to bring my credit score back down ... I have called them I don't know how many times ... I have held their phone at least an hour and no one comes to the phone..They just will not pick up their phones ... even if they give you a time... neither have anyone called me back and I have left my number for them to return my call and I have sent them emails and they still have my money and will not put my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: AES/PHEAA
State: NJ

Complaint narrative:
I have contacted Fed Loan Servicing for the past several years regarding late payments showing on my account from XXXX and XXXX of 2017. I applied for a hardship forbearance like I have in many years past for the 2 months in question in XXXX of 2017. I called on several occasions and was told that it was being processed. I was eligible for this forbearance because I was going through a temporary financial hardship at this time. I was told at one point that I completed the wrong type of hardship and had to do another. In the meantime, I had no idea I was being reported as late. This was my first and only time being reported late to the credit bureaus. I called to dispute and was asked to submit a formal dispute which did not turn out in my favor. My hardship was ultimately processed, but I was still reported as late. I am asking that my credit report be updated to show that the payments were in forbearance as discussed with a representative during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX OF XXXX XXXX {$1800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX  XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
I asked them numerous times to verify this debt they claim I supposidly own with my signuture items purchased and all details of this they are reporting as NEW debt when it says collection was open here is what it shows SWISS COLONY / XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: IL

Complaint narrative:
On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and Experian. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection in the 30 days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CREDIT CONTROL CORP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX, XXXX, XXXX, ON THE PUBLIC AND PRIVATE SIDE. Failure to provide such documentary evidence is a clear violation of XXXX XXXX XXXX ( a ) ( XXXX ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( XXXX ) because I have a right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OPTUM BANK, INC.
State: MO

Complaint narrative:
I submitted a Trustee to Trustee form from my new bank to my old HAS bank ( XXXX ) and they they mailed a check to my new XXXX bank ( Optum Financial ) on XXXX. XXXX is showing that the check was cashed on XX/XX/XXXX but Optum has been unable to find my funds and deposit them in my account. 

I contacted Optum in mid-XXXX asking where my XXXX funds were and they told me that it can take 6-8 weeks for a transfer to be completed and to wait until XXXX to see if the funds were deposited. I contacted them the week of XX/XX/XXXX because my funds were still not in my account and they told me that they would launch an inquiry. During this time I received the check number and amount as well as where it was mailed to from XXXX. Optum completed an inquiry and never contacted me to let me know that they could not find the check. I had to follow-up with Optum only to find out that they had closed the inquiry and could not find my funds. I double checked the mailing address, check #, check amount, and check clearing date with XXXX. XXXX was also able to send me a copy of the check. 

I reached back out to Optum on XX/XX/XXXX and told them that the check had been written to Optum Bank XXXX Optum Bank changed to Optum Financial so they are the same institution ) and the CSR so that it was not their problem and they would not launch another inquiry into where the check was because the check was written to the wrong institution, even though I had proof it was mailed to their XXXX XXXX and had been cashed. Their customer service has been wholly unhelpful and has most recently recommended I have a conference call with them and XXXX in order to find out where my money is even though they have clearly been sitting on it for XXXX months. XXXX told me that Optum has a history of cashing all checks they receive and putting them in a holding account until they determine where the funds should go. 

What I can't get over is that a financial institution does not have solid enough records to find a check based on the Financial Institution it was received from, the check number, and the amount the check was cashed for. This has been an altogether frustrating experience and I am still trying to determine where my funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: OH

Complaint narrative:
Pursuant to 15 U.S.C. 1681 ( a ) ( XXXX ), Transunion is an elaborate mechanism that has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. 

With that being said, TransUnion 's consumer reporting agency is furnishing my consumer report with fraudulent hard inquiries, inaccurate personal information, billing errors, and accounts. Not only do these items not belong on my consumer report but more importantly, these items are in violation of several Fair Credit Reporting Act laws.

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 2021-11-30 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX XXXX XXXX {$1800.00} XXXXXXXX  XXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 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: FC HoldCo LLC
State: LA

Complaint narrative:
High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On XXXX it shows that the high balance is XXXX, the date of last activity is all different .Its stating on XXXX the merchandise was taken back by credit grantor, XXXX saying its a charge off as a bad debt, XXXX is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of 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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: VT

Complaint narrative:
Lexis Nexis is reporting that I filed XXXX claims with my insurance carrier between XXXX of 2018 and XXXX of 2018 ( a three-month window ). This information is false, inaccurate, and damaging, and has prevented me from being able to shop various insurance carriers to get competing rates for homeowners coverage. 

I attempted to reach a Lexis Nexis representative yesterday and today. I have navigated through numerous automated prompts and wasted significant time only to be unable to reach any live person or receive any information relevant to my current issue. I also emailed Lexis Nexis but the address to which I sent my inquiry does not appear relevant to the dispute at hand. 

The erroneous report should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states 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 30 days so these items should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this entire ordeal has 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 non-monetary relief
Consumer complaint received 2021-11-30 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: GA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states 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 30 days so these items should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this entire ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection in the XXXX days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Santander Bank XXXX XXXX XXXX XXXX SSN XXXX Telephone Number : XXXX XXXX I am writing to complain about the unfair fraudulent and deceptive practices of Santander Bank in all aspects Problem with paying off the loan Problem related to refinancing Unable to receive car title or other problem after the loan is paid off Problem while selling or giving title I am asking for your agency to investigate how Santander wilfully violated its consent order with you and with the multi state group of AGs in : refusing to refinance my loan at a rate lower than an usurious XXXX percent compounded and then made false consumer credit reporting that made it impossible to refinance my .loan with another lender even.though i was up to date. Then when i did they refused to give me a final pay oay off amount. 

They insist on onerous excess charges which make it impossible to cure any default as a deliberate scheme to unlawfully repos the car a 2020 XXXX with a fmv of over XXXX to charge illegal and excessive fees and repo charges and they did this after sending me an email they would like to help and after i advised them that i lost my home in a fire on XXXX I want the CPFB to get Santander to waive any delinquency fees To accept the amount of {$20000.00} as full and complete payment to put the payoff amoint in wriitng unequvocally and unconditionally through XXXX to report loan paid in full and get Santander to start honoring their consent decrees rather than as a license to continue as a license to steal

Company response to consumer: Closed with explanation