vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts are showing balances and it's deferred which is incorrect. All my student loans were transferred to XXXX XXXX XXXX services and the the following should reflect a {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} Status Date Reported XX/XX/XXXX Payment Status Current Account Details Account Type XXXX XXXX Individual Original Loan Amount {$8500.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1600.00} Status Date Reported XX/XX/XXXX Payment Status Current Account Details Account Type XXXX XXXX Individual Original Loan Amount {$12000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment Not Reported Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments 100 %

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 2022-02-13 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: MI

Complaint narrative:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2022-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been in repayment status for decades and have made payments as required, with bulk of payments having been timely made. 
I have whittled payments down to {$2300.00} or so from much higher balance. 
I have now had several years of payments " reversed, '' without explanation, and have been sent a check by company Navient, which appears fraudulent because of typos in the letter attached. 
The check is for {$8000.00} or more, and loan balance has now gone up by this much. 
This is an illogical null concession. 
I anticipate that Navient is attempting to recover debts it has incurred as a result of recent lawsuit activity against it, at my expense, doing so because it is a XXXX XXXX, run by investors whose ulterior motives include purgicide against XXXX intellectuals like myself, who refuse to join white institutions, because they are all raceological obscenities. 
Because of this ulterior motive, I anticipate that I will have trouble depositing the afore-mentioned check, and that I will not be able to thus, transfer the monies back to the student loan account, therefore still having the higher balance left to pay. 

I have attempted to contact Navient several times in writing, by email, to no avail. 
I am due a response and a resolution that does not include excessive exposure to illogical bureaucracy so that Navient and staff can pledge their allegiance to raceological obscenity and XXXX mutiny. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Refer to the attached PDF statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: CA

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of 102 and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.

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 2022-02-13 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: CA

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of XXXX and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.

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 2022-02-13 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: CA

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of XXXX and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Account : XXXX I am writing in today because i noticed some accounts are not accurate with my other credit/consumer reports. I noticed you're reporting a late payment for XX/XX/2021 and XX/XX/2021 yet on both my XXXX and Equifax are reporting that i paid on time. This is inaccurate reporting and therefore i am requesting this account status payment history to be changed to PAANL ( paid as agreed, never late ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I received a letter dated XX/XX/2022 stating that my Bank of the West checking account, account number # XXXX would be closed effective Friday, XX/XX/2022 and that the funds in my checking account would be in the form of a cashier 's check and mailed by First-Class U.S. Mail . Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: SC

Complaint narrative:
I am asking for Equifax and XXXX to follow suit. These accounts have been removed from my XXXX credit report as of XXXX and I would like for them to remove these accounts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: SC

Complaint narrative:
I am asking for XXXX and Experian to follow suit. These accounts have been removed from my XXXX credit report as of XXXX and I would like for them to remove these accounts as well

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 2022-02-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I would like the fraud alerts removed from all 3 credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: SC

Complaint narrative:
I would like the fraud alerts removed from all 3 credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts

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 2022-02-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I would like the fraud alerts removed from all XXXX credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX ACCOUNT : XXXX To my surprise, I noticed on my XXXX report and other consumer reports that this account is not reflecting any late payments. However, on your report the account is reflecting a 30 day late payment on XX/XX/XXXX yet that is not 30 days late because the prior month of XXXX was also paid on time. This is clearly an error. I ask that you please update this account to " Paid as agreed '' updating the incorrect XXXX late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Amscot Corporation
State: FL

Complaint narrative:
I was forced to change from an Amscott card that I used for years without a problem to an XXXX Card which was trying to " be much more than a pre-paid card '' and for my first big purchase I put a large amount to my XXXX Card for a Valentines Day dinner last night I found out my card had been compromised that day and my dinner and my card where denied. 
This caused a huge embarrassment and loss of potential employment when my fellow diners saw that my card was declined. 
I called the number when I got home and found that a unauthorized purchase had been made that very same day. XX/XX/2022 which put my card below the very expensive dinner I had planed to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX ACCOUNT : XXXX To my surprise, I noticed on my XXXX report and other consumer reports that this account is not reflecting any late payments. However, on your report the account is reflecting a 30 day late payment on XX/XX/XXXX yet that is not 30 days late because the prior month of XXXX was also paid on time. This is clearly an error. I ask that you please update this account to " Paid as agreed '' updating the incorrect XXXX late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX of XXXX XXXX, XXXX notified me that I had a payment due from prior address before I could turn water on at new home. Paid bill immediately with credit card over phone. 
Finding out it had gone to collections, asked company why they did not utilize phone number, address, and emails provided to contact me, their reply was to interrogate when and what time I called about debt. 
They seemed more interested in covering their actions than assisting with discovery as to why I was never notified. 
My credit rating of over XXXX now at XXXX, and XXXX not assisting with investigation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: CA

Complaint narrative:
Recently, my car got vandalized and destroyed, both of my debit cards got duplicated and fraudulent charges were performed and for one of my cards, all of the money in the account was taken. On XX/XX/22 {$720.00} was withdrawn from my directexpress account. Directexpress took so long to deliver the dispute forms, that there was no way that I could get credit in the allowed time for the transactions. There was over {$100.00} in transactions on my other card. The report I sent to the XXXX, CA Police can be viewed at XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: PA

Complaint narrative:
After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

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 2022-02-13 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: PA

Complaint narrative:
After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

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 2022-02-13 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: PA

Complaint narrative:
After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
In XXXX of 2020 One Main FinanciaXXXX added a late payment on my credit report even though they were made aware more than once that I was out of work due to XXXX XXXX. I work in the transportation and hospitality industry which was adversely impacted by the pandemic. When I recently contacted them they acted like they could care less and stated that they wont remove the item even though they know how hard 2020 was for everyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 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: GA

Complaint narrative:
Since XX/XX/2021, I reported identity theft fraud of the XXXXXXXX XXXX ACCT to the following credit bureaus : Equifax XXXX XXXX After reporting the information, I contacted each of the bureaus via mail with a personal and detail letter stating the fraudulent information. This account has been CLOSED and is STILL on my credit even though I am UNAWARE of the balance or creditor information. I reached out to each of them by phone and requested that the information be REMOVED IMMEDIATELY. I am NOT aware of the information and have never known of the information before. I later received a response that the information had not been updated or changed and that the account would remain on my report due to the information provided from the creditor. 

I am still requesting for the information to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation