vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to get my report updated that I do not owe XXXX XXXX after we have settled the account. It is still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Stevens Business Service, Inc.
State: NC

Complaint narrative:
By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have been compromised and gotten into the hands of the wrong people.

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 2022-04-13 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: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have been compromised and gotten into the hands of the wrong people.

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 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My mortgage company illegally put my mortgage on XXXX without our permission or even asking, I brought it to their attn they said email us what happened I did, nothing. The AGs office is NOT helping nor the CFPB! Back on XX/XX/XXXX my mortgage co sent a letter ( NEVER RECD IT! ) the AGs office did and at this time is was the end of XXXX, letter stated for us to restart payments on XX/XX/XXXX we didnt know, now any pay sent at this point would go unapplied. Now the mortgage company is looking for over $ XXXX or they will forclose on my family home that Ive lived in for 50 years! I am on medical XXXX now due to severe side effects of XXXX and XXXX! Please can you help? 

XXXX XXXX I am in foreclosure now they are lying stating that they did a loan mod in XXXX FALSE!

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
TSI sent an invoice ( received XXXX XX/XX/2022, reference number XXXX ) in an attempt to collect {$17.00} l that is allegedly from XXXX. 

I do not do business with XXXX. XXXX customer service was not able to assist, and TSI does not answer their phones while their online portal throws an error and directs you to call their phone.

This is the second time Ive received a fraudulent charge from TSI. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: SC

Complaint narrative:
In order to pay for college, I applied and was given a multiple student loans by SallieMae. Due to COVID as well as my mom being diagnosed with XXXX  XXXX XXXX XXXX, I had to temporarily put my studies on hold. SallieMae refused to work with me and, dispite not having any sort of income, demanded an obscene ammount of money. The cosigner contacted me and has told me that SallieMae threatned him with law enforcement action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
On XX/XX/XXXX I had an offer on my dashboard thru American Express with a pre-approval for a XXXX XXXX loan. I was approved and spoke to a customer service rep that day. I thought I was all set from that point going forward as she asked me if I wanted the funds to go directly into my checking account that ended in the same XXXX numbers of the account that I pay my bill from. I contacted Amex on the XXXX and I spoke to another rep asking about the status of my loan. She said that the paperwork wasn't signed but helped me thru the process and told me that it was all set. 
A week later I find out that the loan was canceled because I did not sign the paperwork by XXXX XX/XX/22. The customer service rep never told me that this was now an inactive application and that I would need to re apply. 
I have the commitment notification and the loan number ( XXXX ) stating that I was approved for the loan with the breakdown of the interest charges. However American Express says that I did not reply in time and that the loan was cancelled. I received the notifications of the loan being accepted after their deadline. I have screen shots of the whole process. I called American Express to try to resolve this and they told me that there is nothing that they could do because this is done thru an automated system, but they urged me to log back in and reapply. I did so and the offer for the loan is now only a preapproval for {$3500.00}. 
I find this to be unethical and as one of their XXXX claimed " Unlawful ''. American Express is known for their superior customer service and after this whole situation I feel violated and uneasy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
An unauthorized hard inquiry of my credit was performed on XX/XX/2022 by TD Auto Finance with a location listed as : XXXX XXXX XXXX XXXX, MI XXXX, phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: AL

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed disputes and tried to fix this issue with this company for the last 4 months. They have lied about not receiving my ftc report and I have sent it prior to the last complaint. This issue is causing stress.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, I had opened an Old Navy credit card and made my first purchase in the amount of {$180.00}. The account was reported to the bureaus the following day. I had made and additional purchase on the card bringing my balance up to {$220.00}. I had paid my balance in full and had not used the card since. Fast forward to a week ago, as I started the process to get a pre-approval to purchase my first home, I was taken by surprise when my loan officer had asking me about a {$15.00} charge off to your company. I had to review months of records to see where and/or how this could happen. It appears that I was charged a fee or something in the amount of {$3.00} on my XXXX statement, AFTER I had paid the account off in full. To further complicate matters, I never received any statements following that payoff. This {$3.00} obviously went unpaid causing Synchrony to charge me what appears to be a minimum finance charge in the amount of {$2.00} on my XXXX statement. Again, no bill, no phone call, and no email informing me that I'm past due. Starting in XXXX, the account went 30 days past due, another fee was charged, still no communication or statements from Synchrony. On XX/XX/XXXX, my account was closed by Synchrony while this cycle of non-communication and no statement received letting of any balance owed went on through XX/XX/XXXX. For six months, not one person from Synchrony contacted me all the way through the account being charged off in XXXX. It's very depressing that the ability of being able to purchase a home was vehemently taken away from me over {$3.00}. As a consumer, is unfathomable that anyone would ignore such a miniscule dollar figure, even during the unprecedented events brought on by COVID19, knowing that a {$3.00} blemish would impact and haunt them for seven years. Even more so, it's incomprehensible how a company would do this to somebody.

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2022-04-13 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: NC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2022-04-13 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been trying to get my report updated that I do not owe Navy Federal after we have settled the account. It is still reflecting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: IL

Complaint narrative:
XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all XXXX major credit bureaus because this balance is incorrect due to fraudulent charges.

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 2022-04-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
On XX/XX/2022, I sent certified letters to dispute charge-offs on Equifax, XXXX, and XXXX credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
On XX/XX/2022, I sent certified letters to dispute charge-offs on XXXX, XXXX, and Transunion credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.

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 2022-04-13 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: GA

Complaint narrative:
On XX/XX/2022, I sent certified letters to dispute charge-offs on XXXX, Experian, and XXXX credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.

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 2022-04-13 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: Total Card, Inc.
State: IL

Complaint narrative:
XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
I have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries

Company response to consumer: Closed with explanation