vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX collection account XXXX collection account XXXX XXXX collection account XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX  XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX TX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX charge off account XXXX XXXX XXXX Charged off account XXXX XXXX XXXX charge 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 non-monetary relief
Consumer complaint received 2023-02-20 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX  XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX collection account XXXX collection account XXXX XXXX collection account XXXX XXXX  XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX TX XXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX charge off account XXXX XXXX XXXX Charged off account XXXX XXXX XXXX charge 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 non-monetary relief
Consumer complaint received 2023-02-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. 

I making a consumer report over charges from the city bank. 
on XXXX XX/XX/2022, I purchase a tablet on Sear on line for {$200.00} I call Sear to returne the Item On XX/XX/2022. 
The bank knew that I was in the procces return transaction They did'not consider it.

but the point of all this, is the are charging my card and my bank account twice the same amount of {$200.00} I talk to the Costumer Service Credit, sear XXXX about it and he said the is a printing mistake I send you. a copy that I took from my online 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 2023-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been paying on this loan since XXXX with no significant decrease in the balance during the entire life of the loan. It originated as two private loans from XXXX in the Summer of XXXX, both totaling approximately {$5200.00}. I have been paying on my loan since approximately XX/XX/XXXX. In XXXX, the loan was transferred to Navient. Navient has a federal settlement and over XXXX borrowers were given some type of loan discharge reduction. As a private loan borrower, I have received {$250.00} as some form of a refund. Meanwhile, this loan balance is {$6000.00} and Navient has gone up on my interest fees. I have questioned them about this without no recourse of action. I have been defrauded out of thousands from this private loan with no way to get out of it. I have worked in public service for an accumulated time of 10 years and I applied for public service loan forgiveness for my federal student loans, but I am being swindled by Navient. Something has to be done to support private student loan borrowers because they have strategically structured this loan for me to never be able to pay it off. Meanwhile, they are bombarding me with harassing phone calls, emails, and mail about these loans. I can not fathom how they are allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau XXXX, Equifax, XXXX and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These are all of the accounts that I need removed from my credit report .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau XXXX, XXXX, Experian and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These are all of the accounts that I need removed from my credit report .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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:
Regarding Case # XXXX. Update -- I contacted Equifax on XX/XX/2023 for an update. XXXX ( customer representative ) and XXXX ( manager for Equifax ) stated they have nothing from me regarding removing my student loans. I said I uploaded my information online on XX/XX/2023 ( see attached. ) Equifax claimed they had not received my documents and stated they would not remove them. They are shredding my documents and not resolving this on my credit report. This impacts my credit score, so I can not move into my apartment without this information being updated correctly.The issue has been resolved with Department of Education, and Equifax refuses to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I spoke with a comenity bank representative on XX/XX/XXXX to make a late payment that I had not received a statement for and had unfortunately forgotten I had charged the card therefore not logging in to make the payment. I requested to make the payment in full of XX/XX/XXXX {$70.00} was withdrawn from my bank account. Today XX/XX/XXXX I received and statement that I owe {$72.00} and I am 2 months late when I had requested to make a full payment and have had no other purchases since that moment. I called to explain to them that I should not owe any money and they claim I only paid my statement partially which is not accurate if I requested to pay in full. The representative than stated that the billing cycle ends on the XXXX and added the late fee. The bill was late on XX/XX/XXXX but then wouldnt the late fee already be applied to the balance I requested to pay on XX/XX/XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 2023-02-20 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: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The Capital One Vista Card has been block for fraud and someone make a payment and reversed it my accounts been blocked 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute an entry on my credit report regarding an account with XXXX XXXX XXXX. The account in question has been charged off and has an account number of XXXX. 

I also want to dispute an inquiry on my credit report dated XX/XX/XXXX from US Sm Bus Admin ODA. 

I believe that these entries are inaccurate and/or incomplete and do not reflect my credit history accurately. I request that you investigate these entries and provide me with the results of your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I also have the right to request that the credit reporting agency remove any information that can not be verified. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute an entry on my credit report regarding an account with XXXX XXXX XXXX. The account in question has been charged off and has an account number of XXXX. 

I also want to dispute an inquiry on my credit report dated XX/XX/XXXX from US Sm Bus Admin ODA. 

I believe that these entries are inaccurate and/or incomplete and do not reflect my credit history accurately. I request that you investigate these entries and provide me with the results of your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I also have the right to request that the credit reporting agency remove any information that can not be verified. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XXXX XXXX Experian XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.

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 2023-02-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-02-20 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:
I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
DC # XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: GA

Complaint narrative:
XXXX XXXX under {$500.00} are supposed to be removed according to the Consumer Financial Protection Bureau. Equifax has not removed an account like they were supposed to which damages me as a consumer. 

XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Alleged Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: MO

Complaint narrative:
A finance of my marital home was completed by my husband ( we are in the middle of a divorce ) however I was not included on the finance despite my name being on the deed of trust for the home. CMG Home Loans completed this loan and then sent the documents over to Priority Title and Escrow who paid off the original mortgage that I was on and paid all proceeds from the equity directly to my husband despite my name being on the deed of trust. Our original mortgage was through CMG and once I received an email stating that the mortgage had been paid off I immediately called them to find out how and why and they refused to provide any information stating that I am not on the new loan so they couldn't help me. A formal complaint has been filed with the state of Missouri on Priority Title & Escrow as well. Numerous attempts to reach Priority Title and Escrow has been made including an attorney demand and no response has been received back. At this point CMG has no security on this property as Priority Title and Escrow can not file the Deed of Trust without a marital waiver and quick claim deed which they will not be receiving. CMG accepted improper documents to complete this finance.

Company response to consumer: Closed with explanation