vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted XXXX numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my bankruptcy attorney and the bankruptcy trustee for assistance, with this account. However, XXXX is REFUSING to correct and/or delete this account with each of the credit bureaus as promised. It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX  ( case XXXX XXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). XXXX is saying the account wsa sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call XXXX and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if XXXX was the original creditor and the account was XXXX, I need to file the bankruptcy papers with XXXX to have the debt updated and/or deleted from my credit reports. My attorney and the XXXX  XXXX have submitted paperwork to XXXX and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be. 

I disputed and requested the credit bureaus provide validation of the debts along with innacurate and/or fradulent inquiries, and to delete XXXX  they verified these were fradulent and not done for permissable purposes. Transunion has transferred me to XXXX XXXX  ( said the calls were recorded ), and I was told the accounts and inquiries would be deleted in XXXX hours. It has been over XXXX ( XXXX XXXX ) XXXX  and NOTHING has been done.

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 2024-01-23 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: IL

Complaint narrative:
For months, there has been a consistent pattern of inaccurate reporting concerning these accounts! The following accounts continue to be reported incorrectly, including in the comments section. These account numbers are wrongly labeled as late payments, and it's incredibly frustrating that this inaccurate reporting persists. Following our compliance protocol, it's crucial that you swiftly remove these entries.

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 2024-01-23 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is in response to CFPB complaint XXXX. NATIONAL CREDIT ADJUSTERS stated that they have ceased communication, but failed to address where I stated that the original creditor informed me that this debt does not belong to National Credit Adjusters, but it was sold to another company. National Credit Adjusters stated that they are waiting on confirmation from the original creditor, but my initial complaint was sent in XXXX. If you have not received confirmation by now, that is not my problem, and my consumer report should not suffer due to the lack of communication between your company and the original creditor. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. Given the persistent non-compliance with FDCPA guidelines, I must inform you that I am left with no recourse but to pursue legal action against National Credit Adjusters to seek relief, damages, and corrective measures. I am also aware of the lawsuit filed against your company in XXXX by the CFPB where your company engaged in frequent unlawful debt collection acts and practices that harmed consumers, including but not limited to, representing that consumers owed more than they were legally required to pay, which is the same event that is taking place in my situation. Furthermore, NCA is barred from certain collection practices. Lastly, this account was opened in XXXX the statute of limitation in the state of Texas XXXX 4 years. This debt is uncollectible as of XXXX which is also illegal and another violation. As stated before, I am demanding that this account be deleted from XXXX and XXXX immediately. Original documentation bearing my signature for this alleged debt was never presented. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. Remove the following account from my credit report within XXXX  days : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
At Santander bank I have been a customer for many years and have kept a six figure balance always ( a few times reaching seven figures ). I had sometimes been classified as a private client ( and now am again. ) My Santander accounts were hacked and all of my accounts including credit cards had to be closed and reopened. This was disruptive in that scheduled bills like electricity bounced. More critically i was unable to access online banking for eight months so I did not know the balances and interest rates paid and earned. I assumed that a Money Market Savings account would pay interest rates somehow linked to t bill or federal funds rates. Periodically I would ask bank tellers what current rates on money market accounts werestupidly assuming that those rates applied to me. In fact Santander was paying 0.15 % which I discovered once I was able to again access online banking. Since then I have earned more market like rates but find that I must ask again every few months or yields drop from the promotional rate to a few basis points.

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 2024-01-23 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: NJ

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 non-monetary relief
Consumer complaint received 2024-01-23 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: NJ

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT 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 explanation
Consumer complaint received 2024-01-23 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: NJ

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NJ

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CA

Complaint narrative:
I went to the school paid the fees as I was going to school I paid my last payment of {$96.00} at school which was to be the last one, after I finished internship they then told me that I owed {$1400.00} which was incorrect. They still have not found me a job position in the field but are expecting me to pay the loans back with my part-time job I had while I was working. The school has refused to contact me in regards to a job but will call me about making payments that I have already paid, I have shown proof and now they are still telling me I owe them the money. I would like my Money back and to stop all loans due to me not being able to work in the field because they will not help me look for work as I was told before I started school no one wants to hire a person without experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year> I remitted notice to the following companies sharing information with consumer reporting agencies in collusion to furnishing unlawful consumer reports in clear violation of 15 USC 1681a the following message : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all transactions and experiences between me and your institution from all reports delivered to third parties. Effective immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
I have been contacted through mail by USCB America about a debt I owed to XXXX XXXX. I logged in to pay off the debt but I saw the amount owed is different from what I have on the letter. I called them and asked why it was different. I asked for an itemized statement of debt I did not pay from the original creditor. They were rude and said it is on their website and I should go look there. I said I looked at their website and I did not see itemized lists. There were just XXXX debt collection letters from the past which did not add up to the debt they were showing that I owed... I looked deeper and found a listing of several line items of debt I owed with minimal details like id, principal and interest. I was curious what the interest was as I never agreed to any terms that I would pay interest on this debt. I also saw that in XXXX of the debt collection letters they offered to settle for a lower amount. I asked if they can waive the interest and honor the debt settlement offer they made so I can pay off the debt right away. They said that debt settlement offer is not valid anymore and I have to pay the full balance. 

I am attaching the XXXX letter and the itemization with pretty hefty interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted XXXX numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my bankruptcy attorney and the bankruptcy trustee for assistance, with this account. However, XXXX is REFUSING to correct and/or delete this account with each of the credit bureaus as promised. It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX ( case XXXX XXXXXXXX, filed XX/XX/year> and XXXX on XX/XX/year> ). XXXX is saying the account XXXX sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call XXXX and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if XXXX was the original creditor and the account was XXXX, I need to file the XXXX  papers with XXXX to have the debt updated and/or deleted from my credit reports. My attorney and the Bankruptcy XXXX have submitted paperwork to XXXX and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be. 

I disputed and requested the credit bureaus provide validation of the debts along with innacurate and/or fradulent inquiries, and to delete once they verified these were fradulent and not done for permissable purposes. XXXX has transferred me to XXXX supervisors ( said the calls were recorded ), and I was told the accounts and inquiries would be deleted in XXXX hours. It has been over XXXX XXXX XXXX XXXX XXXX days and NOTHING has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted XXXX numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my XXXX  attorney and the XXXX XXXX for assistance, with this account. However, XXXX is REFUSING to correct and/or delete this account with each of the credit bureaus as promised. It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX ( case XXXX XXXXXXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). XXXX is saying the account XXXX sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call XXXX and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if XXXX was the original creditor and the account was XXXX, I need to file the XXXX  papers with XXXX to have the debt updated and/or deleted from my credit reports. My attorney and the XXXX  XXXX have submitted paperwork to XXXX and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be. 

I disputed and requested the credit bureaus provide validation of the debts along with innacurate and/or fradulent inquiries, and to delete once they verified these were fradulent and not done for permissable purposes. XXXX has transferred me to XXXX supervisors ( said the calls were recorded ), and I was told the accounts and inquiries would be deleted in XXXX hours. It has been over XXXX XXXX XXXX XXXX XXXX XXXX and NOTHING has been done.

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 2024-01-23 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: LA

Complaint narrative:
15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date. I asked them twice to verify that they sent this information to me which they have yet to verify

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation