vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There was a hard inquiry completed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX XXXXXXXX submitted XX/XX/23

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Medical debt is supposed to be removed from my credit report but it is not.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be on my report. I never gave them written consent to report them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/23 and electricity account was opened in my name without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There was a hard inquiry completed by XXXX XXXX on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX - submitted XX/XX/23

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I received feedback from a XXXX agent stating that my loans may be forgiven back in 2022. After that phone conversation, I never received any status updates ; however, my loans were never forgiven. 

I worked in public service as a classroom teacher for 15 years, in high-risk schools throughout my career. My Teacher Loan Forgiveness and Public Service Loan Forgiveness applications have been rejected multiple times. This has happened even though I qualify for forgiveness. 

The school, XXXX XXXX, where my student loan debt amassed, has permanently closed ; yet I still carry a hefty student loan debt, ( with no loan forgiveness granted ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$21000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$12000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$21000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XX/XX/XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$12000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Southwest Business Corporation
State: TX

Complaint narrative:
Over the last several months I have provided various legal documents to the Loan Servicer in an attempt to be granted a Successor in Interest for a property of deceased borrower ( from XXXX XXXXXXXX ). Despite providing documents requested, I have still been denied with no clarification as to why. The SII is very pivotal to my attempt to receive assistance from the Texas Homeowner Assistance Fund, who has assured me that an SII from the Loan Servicer would allow them to move forward with a reinstatement of the past due loan and taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.

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 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2023 XXXX received a Payoff Quote in the amount of {$9600.00}. On XX/XX/2023 I refinanced my vehicle through XXXX and a XXXX 's dated XX/XX/2023 in the amount of {$9600.00} was mailed certified. On XX/XX/2023 Fifth Third Bank received and deposited my payoff check. 
To date, these funds have not been applied to my account and l have been making XXXX car payments for the same vehicle. I have called their Customer Service line on XXXX occasions and have opened XXXX service requests. As instructed by their Customer Service Department l have faxed the cleared XXXX 's check with their endorsement on the back on XXXX separate occasions. On XX/XX/2023 l received a letter from Fifth Third stating that at this time Fifth Third is unable to process my request due to insufficient information or due to the current status of my loan. I was instructed to call Customer Service. I called their Customer Service Department and was given a list of excuses as to why my check hasn't been applied to my account which included that l mailed it to the wrong mail drop, even though I mailed it to the mail drop provided on the Fifth Third Bank Payoff letter. I was then told that because mailed it to the wrong mail drop, the check was shredded. The Customer Service Representative instructed me to request another payoff and submit funds again. This Customer Service Representative told me that l would not be reimbursed for all the payments I have been making over the months since the check was received and deposited by Fifth Third Bank. 
Fifth Third Bank has deposited my check and is refusing to apply the funds to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Begining of XXXX there was an auto loan that i didnt make on my account. I disputed it multiple times with credit agencies, all three of them. they keep verifying it as accurate. It is not my account, i've explained. 

XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be on my report. I never gave them written consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Today, XX/XX/XXXX, I called Synchrony Care Credit requesting financial assistance. The representative asked a few questions, and I answered honestly based on my situation as of today. I explained that I'm a XXXX and my last assignment ended XX/XX/XXXX, and before that, I worked part-time during XXXX. 

I explained that I'm currently receiving unemployment, but I'm about to exhaust my savings, and my unemployment will end in XXXX or XXXX. I also explained that the job market has not been great, and this has been the longest I've been out of work since XXXX, but the XXXX quarter job market is steadily increasing, and I have a XXXX job interview on Thursday that is promising, but it is not a guarantee. 

In XXXX or XXXX of this year, I contacted CareCredit to see if I could get an extension to pay off my promotional balance of {$4400.00} of a credit limit of {$5700.00} before the promotion expires on XX/XX/XXXX that will add the deferred interest charge of {$1300.00}. I was given a XXXX grace period to pay by XX/XX/XXXX, but I did not want to exhaust my savings while still unemployed. On XX/XX/2023, the total deferred added to my account was {$1500.00}, which included the 26.99 % rate to the outstanding balance. Since XXXX, I've made a total amount of payments of {$770.00}, and as of today, my current outstanding balance is {$6000.00}. 

The customer rep and her XXXX said I would not qualify for their financial hardship program since I would not have a job when my unemployment ends. It does not matter that I've managed to pay them {$150.00} - {$250.00}. They would rather me continue to pay this full amount or default, go into collections instead of assisting. 

Both stated there's a screening process and other variables involved outside of just being unemployed. I did not meet the pre-screening process of not having a job in XXXX, even though I'm currently receiving unemployment and trying to protect my creditworthiness proactively. They were unwilling to send information regarding their financial hardship program. They said when I default on my bill, I will receive a notification stating my pre-qualification for financial assistance.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The inquiries are unauthorized and they are not related to any transaction by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/23 a hard credit inquiry was sent to XXXX from SYNCB/Lowes. I did not apply to anything from that place ever.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
The company XXXX collector ( a third party collection agency, with whom I have no business with or contract with ; are reporting inaccurate information on my name. Continuous calls at all hours of the day and evening are troubling and bothersome. In this regard they are also violating FDCPA laws and also violating FCRA Laws. 

I ask that this information be removed from all three of my credit reports and ALL communication be seized immediately. 

There are claims that there was pet damage to the unit, and I have never owned pet-and there was never a pet deposit made as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: TN

Complaint narrative:
I am a co-signer on my daughter XXXX XXXX loans which were funded on XX/XX/XXXX and XX/XX/XXXX respectively {>= $1,000,000} each loan. I have made all the payments monthly and on time. Just the last 2 years, XXXX and XXXX ( I added it up in my banking history ), I have paid {$15000.00} total to Navient to service the loans. 
( just the last 2 years, and XXXX is not a complete year ). 

The payoff on loan XX/XX/XXXX funded is {$19000.00} unpaid principal {$18000.00} The payoff on loan XX/XX/XXXX funded is {$21000.00} unpaid principal {$21000.00} How is this possible? I have asked them for information and also consideration because my daughter is a veteran, I have in previous years paid more than I have the last XXXX ( XXXX and XXXX ). 

Navient isn't applying funds to help us instead I just keep paying interest. It can't possibly be the amounts left, me having paid over $ XXXX or more ( just using the last 2 years as an example ) on each loan over the life of the loans so far. 

Help please? 

Co-signer mom of a daughter who is a veteran ( XXXX ) FYI. The loans use to be with XXXX and then Navient took them over from XXXX. 
These balances can not be correct. Impossible. And I don't have access to all the history.

Company response to consumer: Closed with explanation