vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: MA

Complaint narrative:
XXXX XXXX broke my cell that I tried to return several times within a 10 day period on the due to data phone calls not working that would be breach of contract then on XXXX day the XXXX store clerk dropped my phone and broke the screen I Said I want to return it now he refused he stated I can not return it with a broken screen I stated to the clerk you broke the screen still refused I called several customers service reps I called district manager still would not return the phone even though the contract for service was still in breach .credit report 2 I paid XXXX XXXX XXXX XXXX  bill that was {$290.00} I sent the online receipt with confirmation the stated it would be removed in 30 to 60 days in XX/XX/2022 still it has not credit report 3 XXXX XXXX XXXX XXXX for {$200.00} I sent them the new insurance paperwork from XXXX XXXX XXXX when they canceled the policy with XXXX XXXX XXXX XXXX and activated the my policy with XXXX XXXX XXXX but still proceeded to bill me for a little more than 2 months past cancelation with XXXX XXXX XXXX XXXX that XXXX XXXX personal canceled the policy with XXXX XXXX XXXX and no matter what dates or paperwork I send them they refused to take it off my credit report.that has cause many of credit problems with living situation being your credit is checked on everything now a days which because of my living situations because of this has caused many physical health issues and lots of unnecessary stress and 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 2023-10-31 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: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-31 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: TN

Complaint narrative:
I am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2023-10-31 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint to you to inform you that APPLE CARD/GS BANK USA has made an error in sending out their statement. This bank was aware of the issue & agreed to update to open/never late. Please update. APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-31 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
When i try to apply for business loan, i was told by my agent that i have so much inquiry on my account. I then pull out my credit report and I Noticed some Unauthorized Inquiries on my report that don't have my permissions or not aware of of. 
Here is the list of the company : 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 

I already file this complain with FTC and the report is attached in here.

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 2023-10-31 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: FL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Incorrect address and employment are reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
I am submitting this complaint to you to inform you that XXXX and XXXXXXXX XXXX XXXX XXXXXXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXXXXXX 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 explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I put in a removal request to Equifax about account on my credit report they have caused hardship on Me and my XXXX kids and wife to where I cant get approve for anything at all my kids starve most of the day cause I cant get around in a vehicle it seems nobody is hearing me nor cares I am always being denied and discriminated against Im just trying provide for my wife and kids Im the only one who works but I cant get to work cause Im always denied access to my credits To resolve this matter I request the account I request be deleted by Law I have a right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX I started autopay for {$100.00}. Then without notification I was charged $ XXXX. I googled this problem and many people have experienced this since the start of the repayment process. What I have gathered is they know they have bug ( virus ) in their system and didn't even notify us the consumers to not use autopay until they figured it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: NC

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
I am submitting this complaint to you to inform you that XXXX and XXXX XXXX XXXX XXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I have several times contacted PayPal about the way they fail to contact costumers about paying off the interest due on the account, to date, they still have made no attempt to provide the opportunity for customers to do so online. This requires customers having to call them directly which is not a convenient. So they are able to capitalize on customers who pay a large sum of money without adequately satisfying the interests they have placed on customers 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 2023-10-31 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: CA

Complaint narrative:
I am submitting this complaint to you to inform you that XXXX and XXXXXXXX XXXX XXXX XXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXXXXXX 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 2023-10-31 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: CA

Complaint narrative:
I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The wrong address and employment are listed 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 non-monetary relief
Consumer complaint received 2023-10-31 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: MO

Complaint narrative:
Experian refuses to restore my XXXX to XXXX XXXX and wiped out now 17 months of never late on time payments but still puming these credit cards in fact telling I have a high fico score, my fico score according to there website is XXXX how is that a high fico score, experian is closing complaints without fixing anything, THIS IS A CLEAR VIOLATION OF THE FCRA

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX will not STOP ruing my TRANSUNION CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to TRANSUNION and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent XXXX XXXX account when the dispute resulted completed on XX/XX/XXXX they FRAUDULENT VERIFIED and LIED to TRANSUNION that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXX I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXX with TRANSUNION and reported the account CLOSED again and XXXX XXXX just verified to TRANSUNION that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB XXXX XXXX has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation called RE-AGING also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXX to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXXXXXX XXXX is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and TRANSUNION is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to XXXX XXXX and TRANSUNION.

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 2023-10-31 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: WY

Complaint narrative:
This is the 3rd complaint I have filed with CFPB. Yesterdays ' complaint has not posted, and you have given Equifax 60 days to respond. Why? 
I provided Equifax with identity documentation on XX/XX/XXXX yet I received a second notification from XXXX XXXX informing me they denied my credit card application because Equifax could not verify my identity. 

I sent my passport, divers license, social security card, gas bill and WP-4 as proof of identity to Equifax on XX/XX/XXXX yet they still can not identify me? After sending all the requested documentation to Equifax, customer service sent a generic email informing me my credit score was low due to no revolving accounts and no long-term accounts which is false and a grievous error on their part. 

I have had a XXXX credit card for 16 years with a FICO over 800, a XXXX credit card for 3 years with a FICO over 800, paid off a loan of {$2000.00} in XXXX of this year, paid off an auto loan with XXXX Bank in XXXX a year early as well as mortgages in the past. XXXX and XXXX both use Equifax as well as XXXX XXXX, and XXXX so how can Equifax be so blatantly wrong and careless with this information? 

CFPB is supposed to protect consumers, but you do not instead you grant a pass to these companies and allow them to continue disrupting people 's lives. Allowing 60 days to respond when I have provided necessary identity documentation more than 3 weeks ago is absurd. I want this corrected asap. If CFPB does not direct Equifax to correct their errors promptly, I will take my issue to the IG and GAO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX sent XXXX a letter on XX/XX/XXXX saying the appreciate me for choosing them as a new home and are sorry to see me go ( I've lived in XXXX  for XXXX decade now ). Attached was an invoice dated XX/XX/XXXX for application, admin, and nsf fees due totaling the amount of $ XXXX spoke with the complex and asked them to send me what they have ( app, id, something ) and they refused since i told them this is fraud and I've never applied here. They said don't worry about it and it will be taken care of. I've made a police report about this and several other complexes this girl has applied to, XXXX case # XXXX XXXX case # XXXX. This past weekend I received an email from XXXX saying my credit file has been changed and my score decreased. I opened the email and saw there was an open collections account Columbia Debt Recovery LLC in the amount of {$550.00} for XXXX XXXX date opened XX/XX/XXXX, balance updated XX/XX/XXXX. I am waiting for the bureaus to open so I can call and dispute this once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit 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: DE

Complaint narrative:
On XX/XX/2023, I contacted Citi Bank credit card online to file a dispute for an unknown transaction. The customer service agent made it rather difficult for me to file the dispute. In addition when I supplied a number for contact the representative informed me that the number supplied wasnt one that was connected to my account. I informed the representative that I do not need to give a number tied to my account as I have the freedom to use whatever information I need. The dispute could have easily be resolved online using a simple check box and a section for completing this instead this company has made it rather difficult to file any claim. I still havent been able to file my dispute.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX showing open account for charged off account. they will not remove this from my credit reports. FCRA

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX showing open account for charged off account. they will not remove this from my credit reports. FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX showing open account for charged off account. they will not remove this from my credit reports. FCRA

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 2023-10-31 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: LA

Complaint narrative:
XXXX financial deferred the payments in my business loan due to a financial hardship. It was then reported on my credit as XXXX late. I contacted XXXX and They apologized and sent me a letter from the CEO stating that they would work with the credit bureaus to correct the error. I forwarded that letter to the bureau to have it removed and They did not remove the 30 day later payment. I dont even think they looked at the letter I provided.

Company response to consumer: Closed with non-monetary relief