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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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: MI

Complaint narrative:
The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer 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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I opened the Barclays XXXX XXXX and More credit card largely for the benefits it offered, namely the conversion of award miles into status miles so that I can meet a Senator threshold with the XXXX XXXX and XXXX program. The credit card was advertised that holders can convert award miles into status miles at XXXX ratio. However, this benefit has not been conferred to me, despite having the credit card. 

Over the course of the last month and a half, I have called the service desk at least 4 times. Each time I was told that I am " definitely eligible '' for the conversion, and yet the option did NOT appear on the website where it is supposed to be executed. I was told that it is likely due to a technical issue since I meet the criteria and in XXXX cases I was promised that a case would be open. Only once I received a case number XXXX with an unsatisfactory response telling me that " flight activity is required '' which I have plenty of. The issue still remains unresolved, despite my numerous attempts of speaking with representatives of the company. 

I have planned my travel such that I would be able to meet my goal of achieving the status by my own travel and by using the benefits of the Barclays XXXX XXXX and More credit card that are contractually promised but delivered.

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 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 is missing that should be on the report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a credit card with Citibank since XXXX on XX/XX/XXXX I noticed my card had disappeared from reports of the XXXX credit reporting bureaus ( XXXX XXXX, XXXX XXXX. I communicated with Citibank credit card department many times via phone, mails, and fax and they promised to solve the problem. Their last response was a letter on XX/XX/XXXX - see attached- saying that they have sent instructions to the three credit reporting bureaus to update my files however nothing happened and no redress has been done. 
I also disputed this missing information of my credit card with XXXX, XXXX, and XXXX and also nothing happened - see attached a letter. Missing this credit card info from my profile is deeply plunging my credit score and screwed my ability to apply for any loans since it is the oldest card i have.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
I work for a XXXX XXXX XXXX XXXX XXXX  plan. We offer Medicare advantage, which is considered a saftey net health plan. Saftey net health plans do qualify as a public service for the elderly. 

Despite this, my employer has been labeled as not qualifying as an employer for PSLF. Because this informatoin is not redily available, my employer will not 'check the box ' that they offer a public service for the elderly. This is causing my loan forgiveness application to be denied, despite the facts presented above. 

Non profit companies ( not 501c3 ) have no guidance on whether they are qualifying employers, despite the fact they can be qualifying employers. Can you please help confirm the qualifying status of a non profit health plan who offers medicare?

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
In XX/XX/2021 I ran out of money saved up because I had tried to get the insurance company to fix a roof leak for a year and a half finally a roofing company got them to pay but they refused to pay for internal repairs all my money went into repairs the insurance company is owned by my mortgage company so seeing that my XXXX dollar a month XXXX XXXX XXXXXXXX check was not enough to pay a XXXX house payment plus live on I tried to get refinance even tried to get a reverse mortgage told mortgage company that I was in the process of doing so they sent me for closure because I got behind so I started to sell my house to an as is Buyer they put me in the position by lying to me that they were going to buy my house to get further behind Ive asked for forbearance several times they refuse they say they are not required to give me forbearance

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: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
US Auto is reporting a closed account as having late payments. I had a vehicle financed through this company that was traded in prior to my payment date. It was paid off through the Company That I Traded it to. This was XXXX XXXX. They have constantly kept this false report on my credit.5 XXXX XXXX sent them a check on XXXX for the payoff. Yet they have false late payments reporting as of XXXX - XXXX. I ask that this please be investigated because Im positive that Im not the only one that they have hindered from progressing. This should be illegal and I wish to be compensated by the removal of this on my credit and added as having no late payments.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union, XXXX and XXXX keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is 3rd parties putting false info. 

1. XXXX XXXX 2. XXXX XXXX XXXX. For XXXX I been trying for XXXX false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all 3 reports.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I got a comenity bank Victoria secret card in XX/XX/XXXX I started off with a {$300.00} credit limit. When I got the card I didnt use it. Therefore, I wasnt sent a due date anything etc I used it for the first time in XX/XX/XXXX. I had been paying on it and noticed a credit decrease of {$50.00}. It didnt alarm me but then I recently got a comenity letter of change XX/XX/XXXX stating my new amount is {$200.00}. I believe its due to none activity which this has happened before.

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 information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, equifax and experian keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is 3rd parties putting false info. 

1. XXXX XXXX XXXX. XXXX XXXX 3. For ewuifax I been trying for 5 false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all 3 reports.

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 information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX, XXXX and experian keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is XXXX parties putting false info. 

1. XXXX XXXX 2. XXXX XXXX 3. For ewuifax I been trying for XXXX false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all XXXX reports.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I got denied for my Apple Card application

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, XXXX $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship Trans Union XXXX and XXXX are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a credit card with XXXX since XXXX on XX/XX/XXXX I noticed my card had disappeared from reports of the three credit reporting bureaus ( Transunion XXXX, XXXX XXXX. I communicated with XXXX credit card department many times via phone, mails, and fax and they promised to solve the problem. Their last response was a letter on XX/XX/XXXX - see attached- saying that they have sent instructions to the XXXX credit reporting bureaus to update my files however nothing happened and no redress has been done. 
I also disputed this missing information of my credit card with Transunion, XXXX, and XXXX and also nothing happened - see attached a letter. Missing this credit card info from my profile is deeply plunging my XXXX XXXX and XXXX my ability to apply for any loans since it is the oldest card i have.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, upto $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt XXXX net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship XXXX XXXX Equifax and XXXX are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response

Company response to consumer: Closed with explanation