vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2021 I was reminded that my account is 2 payments ahead. These payments were made a few years ago and have rolled over each month not being applied. To recover those funds I was told by the representative to just not make the next two months ' payments. When I did as told I received late notices. In frustration, not wanting a bad credit rating, I paid the whole account back up in XXXX. This made it two payments ahead again.

Suntrust transferred the account to Truist. Both Suntrust and Truist agree there are 2 payments rolling forward. Furthermore, the account shows it, see attached. I am unable to get anyone to tell me how I may recover those funds. I am about to pay it off but the PayOff statement does not reflect these funds ( see attached ). I am desperately trying to get these funds back.

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 monetary relief
Consumer complaint received 2021-10-26 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:
XXXX XXXX XXXX placed a negative entry on my XXXX and TransUnion credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to XXXX and their response.

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 2021-10-26 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:
XXXX XXXX XXXX placed a negative entry on my Experian and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to XXXX and their response.

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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Back in XXXX Santander Consumer USA repossed my car, fraudulently. I did not ever miss 3 payments in a row nor did I miss 3 payments in the 3 years I had/owned the car. Their predatory lending ways would have them call me constantly if I was one day or ever late, they called insistently 24/7. When I requested they stop calling so frequently they said that was like putting them on a cease and decist so they could not reach me. I NEVER EVER KNOWINGLY did that. So when they wouldn't reach out to me one night they came and got my car out of the driveway. With the high interest rate I didn't attempt to get it back and called it even. 

In XXXX, TODAY hey are reporting on my credit report like this just happen in XX/XX/XXXX, which is a lie, which should be fraudulent and I don't know why it is coming up again like it is recent because it is not. I want them to fix it and not keep reporting it like it just happened. It is causing me undue financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. Equifax and XXXX are both reporting a collections account for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I SPOKE WITH A REPRESENTIVE AT NAVY FEDERAL CREDIT UNION ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ive disputed several times incorrect informatoion on my report from XXXX XXXX XXXX  and 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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was directly affected by XXXX XXXX and I have filed for a XXXX loan. I was told by the XXXX they can not pull my Experian file. After 4 days and 6 hours speaking to Experian I was told that they see my report just fine. I told them XXXX cant and neither can anyone else. They agreed to mail it to me. BUT they said that I have had nothing reported to them in over 2 years. I have a mortgage, many credit cards and I just received a loan and another credit card, Experian obviously does not see this as an issue and they will not do anything about it. This has caused me to have my XXXX process stopped and now I have a roof that will not be repaired. Evidently the XXXX only will use Experian. I am also not able to access my credit file at all online even though I joined as a member to get the information. There is an issue here and all they will do is pass me to every department to verify the same information over and over and be told the same thing. It is not possible that none of my creditors are not reporting to them. I called 5 of my credit cards and all say that they report to all 3 agencies

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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am attempting to get my credit score from Transunion and the score is not available. I have to pay to get the score. Why do I have to pay for this number that dictates my life? I can not accept this XXXX! I do not pay XXXX for their credit score. They update me when there are issues. So why would I not be able to get this detrimental information when I want without paying for it? I feel that you're holding my credit score for ransom and this should be, if not illegal. If your reporting has any determining factor in my life then you should share this information for free and not charge me or anyone for it 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 2021-10-26 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: KY

Complaint narrative:
Every single credit bureau is reporting inaccurate accounts on my credit reports and they are in violation of the fdcpa and fcra. This is misleading false reporting at its best. remove all inaccurate accounts from my consumer report asap or I will be seeking litigation. I am attaching all inaccurate accounts to this complaint.

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 2021-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/2021, XX/XX/2021 XX/XX/2021 A hard inquiry appeared with the credit reporting agencies with XXXX, XXXX, XXXX from Capitol One Auto Finance. 

The inquiry was not authorized and consequently my credit scores was affected. 

I called Capital one on XX/XX/2021 for a letter I have sent to them thru fax. They are not able to locate the letter. I was told that it will take them 30 to 90 days to review the request which is referenced as XXXX 

I am requesting that Capital One delete the unauthorized inquiry. I am requiring proof in writing for the authorization from Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lela Mae Portfolio Management Group
State: TN

Complaint narrative:
They keep contacting me via email saying I owe money on a debt that is over 8 years old, and I filed bankruptcy over 2 years ago. The statute of limitations in my state is 6 years. This company is named Lela Mae Portfolio group. They have not sent me any information via mail previously requested. They have been harassing me for a few years via email and will not even validate a debt. I've asked to not be contacted and they still do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: VA

Complaint narrative:
On XX/XX/2021 I ordered a XXXX XXXX Digital Piano on the Music and Arts website ( XXXX ) for {$680.00}. The digital piano would be delivered to XXXXXXXX XXXX XXXXXXXX store listed below, where I would pick it up. I was notified that the piano arrived at the XXXX store on the XXXX of XXXX. I picked up the digital piano on XX/XX/XXXX from the XXXX store. After unpacking the piano, I discovered that three keys in the center of the piano were jammed and could not be moved. I called XXXX XXXX XXXX in XXXX and explained the issue with the piano. They instructed me to bring the piano back to the store so they could order a new one. I dropped the piano off at XXXX XXXX XXXX in XXXX on XX/XX/XXXX. Since I had to return the defective piano, the store employee informed me that he would consult with the manger about delivering the piano to my home. On XX/XX/XXXX, I received an email about the piano arriving at the store. I waited for a call or email about the delivery date. Nothing was received so I reached out to the store on the XXXX of XXXX. An employee of XXXX & XXXX informed me that my replacement piano had been sold to another customer because my name was not affixed to the order. He was very polite and apologetic and informed me that the manger would call me on Monday the XXXX to make things right. That is the last communication I received from the XXXX store. On XX/XX/XXXX I contacted XXXX, and asked them to reverse the charge on my card. I received no bills or communication about a bill from the XXXX XXXX XXXX store in XXXX or their corporate office, until I received a bill and collection notice on the XXXX of XXXX. I feel that XXXX & XXXX is using the collection system to punish me for reversing the charges on my card when they failed to provide a replacement piano, sold my piano to another customer, and repeatedly failed to communicate with me about replacing the piano I returned. On XX/XX/XXXX, I called the number on the XXXX & XXXX bill, and explained the situation to XXXX no title given. She seemed to agree that I took appropriate steps and informed me that her manager would call me back the next day. Unfortunately, I didnt receive a call or email from her today. Can you assist me with this matter or provide guidance what steps I should take? 
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX The corporate office appears to be : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX The debt collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Back in XX/XX/XXXX XXXX XXXX XXXX repossed my car, fraudulently. I did not ever miss 3 payments in a row nor did I miss 3 payments in the 3 years I had/owned the car. Their predatory lending ways would have them call me constantly if I was one day or ever late, they called insistently 24/7. When I requested they stop calling so frequently they said that was like putting them on a cease and decist so they could not reach me. I NEVER EVER KNOWINGLY did that. So when they wouldn't reach out to me one night they came and got my car out of the driveway. With the high interest rate I didn't attempt to get it back and called it even.

In XX/XX/XXXX, TODAY hey are reporting on my credit report like this just happen inXX/XX/XXXX, which is a lie, which should be fraudulent and I don't know why it is coming up again like it is recent because it is not. I want them to fix it and not keep reporting it like it just happened. It is causing me undue financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: KY

Complaint narrative:
Every single credit bureau is reporting inaccurate accounts on my credit reports and they are in violation of the fdcpa and fcra. This is misleading false reporting at its best. remove all inaccurate accounts from my consumer report asap or I will be seeking litigation. I am attaching all inaccurate accounts to this complaint.

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 2021-10-26 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: KY

Complaint narrative:
Every single credit bureau is reporting inaccurate accounts on my credit reports and they are in violation of the fdcpa and fcra. This is misleading false reporting at its best. remove all inaccurate accounts from my consumer report asap or I will be seeking litigation. I am attaching all inaccurate accounts to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TX

Complaint narrative:
I SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE 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 2021-10-26 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: TX

Complaint narrative:
I SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE 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 2021-10-26 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: GA

Complaint narrative:
Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach. These inaccurate items have been causing me to have problem obtaining credit from banks. I have asked the bureau to look into these items but nothing has been done. The next step would be for me to seek litigation. I have also provided evidence to show that I am a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You contacted me for feedback on how my previous complaint had worked out for me. Equifax promised that they would in fact finally send me a copy of my Equifax report even though this was my fifth attempt to receive it. 

To date, I still have yet to receive my Equifax report. I am at the poinXXXX where I feel I have no choice but to file a civil suit in my county 's small claims court.

Company response to consumer: Closed with explanation