vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 a 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 non-monetary relief
Consumer complaint received 2022-03-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NC

Complaint narrative:
Call dates made to lower payments XXXX and so on Payments made XX/XX/2022 after trying to ask for help for months/years for financial reasons and receiving no help at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a car loan with Truist financial, which included GAP insurance incase of a total loss. The car was involved in an accident, and was declared totaled, and the insurance paid the car off. However, the account was reported late because the GAP insurance paid it a month after the due date. I have called, disputed online, with no results. Truist informed me that they would initiate a courtesy update removal years ago, however they have not. The company is in 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 explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XXXX the IRS informed me I owed taxes from XXXX plus fees and penalties for not updating my 1040 due to a canceled student loan. Since I had no knowledge of any loans being canceled in XXXX as I was attending graduate school at the time, I appealed to the IRS who replied with the usual boilerplate about paying my taxes on time. I tried to contact NAVINET only to be told they only collect medical debt. I contacted the US Dept of Ed who told me I had no loans canceled at this time. It is important to note that I was a victim of the XXXX XXXX breach. 

I finally reached XXXX XXXX, who I was told got shut down. They gave me a number for XXXX who told me I entered a contract for partial repayment of this private bank loan. Since I recently flied bankruptcy I had searched my records back to XXXX and found no evidence of correspondence with XXXX in XXXX, or ever, actually. So I attempted to file a fraud complaint. This was denied and I was told it was legal for them to have reported the unpaid portion of this debt to the IRS. They said in ANY partial payment in settlement of a debt the unpaid portion is taxable income. This is the first I'm hearing of this. 

My understanding is as a non - XXXX XXXX loan, it is a commercial loan and should be subject to the same laws as any other bank loan. As such, it has expired as it is way past the statute of limitations in both federal law and Virginia law. The call takers I spoke to were rude and repeatedly tried to change what I said on their recorded line. They refused to help me resolve this problem instead trying to get me to agree to pay the full amount. This is blatant fraud and a violation of the Fair Credit Collections Act or such. 

I would very much like to see this company shut down or at least penalized for this disgraceful behavior. The loan and the tax debt need to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This XXXX XXXX XXXX XXXX account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXXXXXX XXXX XXXXXXXX was agree to by both parties and upon full payment of our agreement, the XXXX  XXXX Account derogatory information would be permanently removed from my XXXX, TransUnion, XXXX, XXXXt al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX XXXX  delete all of their derogatory credit bureau report information reported to XXXX, TransUnion, XXXX, et al credit bureau, to no avail. 
XXXX XXXX XXXX  sold my account to XXXX XXXX XXXX, and I paid XXXXXXXX XXXX XXXXXXXX the full agreed to amount, and XXXX XXXX XXXX  refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXXXXXX XXXX XXXXXXXX in-full, then my original debt was completely paid off, as agreed to by XXXXXXXX XXXX XXXXXXXX and myself!

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 2022-03-23 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''

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 2022-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: KY

Complaint narrative:
XXXX XXXX XXXX Is in direct violation of Fair Credit Reporting ACT 15 u.s.c 1681. This company needs to be held accountable for the violations which has impacted my life in the biggest way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX Is in direct violation of Fair Credit Reporting ACT 15 u.s.c 1681. This company needs to be held accountable for the violations which has impacted my life in the biggest way.

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
While I was the XXXX person for the XXXX of XXXX XXXX I was asked to use my financial account to make the purchase of the website. It was a yearly subscription and a 50 % discount. This year I was hit with the full price of the subscription even though I am longer a member of the XXXX nor do I have the access to the XXXX account. I've tried to reach out to XXXX and they refuse to respond. I reached out to my bank and they put a block on my card I didn't ask for, refused to put in a claim, then hung up on me after putting me on hold for XXXX minutes. I am in the negative due to a transaction i couldn't prevent.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX. For the SYNCB/Banarepdc account on my credit report there is two late payments for XX/XX/XXXX and XX/XX/XXXX that I made that aren't 30 days late on the payments. If you check the account since it has been opened from XXXX there hasn't been any late payments except these 2 where there was a payment issue. Not only that I did not receive any bill or payment alert or notification it was due as I always make my payments and never miss any. I am trying to go for a mortgage loan and this is severely hurting my credit.

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 2022-03-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft and I have submitted numerous disputes to the credit bureaus stating that these account aren't mine. I have had my personal information used without my consent or knowledge.

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 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting my debt as accurate but is not sending over proof that this debit is valid. Everything on Experian is possible negative. I have written them thru numerous of letters to ask them to show verification that the debt belong on my credit report and they send aback nothing of such.

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 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Stating on XX/XX/29 for XXXX  services which I did not receive ANY. Company XXXX XXXX claim I owe them {$110.00} but for unknown services I am not familiar with or ever received. Also I am aware medical bills should not affect my credit so I know this is a scam

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 2022-03-23 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
On XX/XX/2022, I opened a dispute claim with XXXX and XXXX for the creditor. The XXXX XXXX XXXX XXXX XXXX XXXX. The amount they are charging is incorrect. We moved out on the dates that they are charging for. My husband disputed the claim on his credit report. It is not on his credit report. I was a joint owner. My husband disputed the claim first. I was not aware that the claim was on my credit report as well. I am not sure why this amount is on my credit report if it is not on my husbands and he disputed it. I provided evidence from the apartment manager at the time stating that we ( my family and I ) moved out of the apartment complex before the dates they are changing us. I called XXXX and they were of no help. The letter from the apartment manager at the time should've been sufficient for removing the claim off my credit report. It is not on my husband 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Toyota Financial Services continues to LIE and MISLEAD consumers. I have called on numerous occasions only to be given the runaround and refused to provide documentation regarding the account. They will not respond to written letters, with delivery confirmation and lie about not receiving documentation. The account remains a poor remark on my credit report despite numerous attempts to pay or arrange a payment plan to settle the account. Toyota Financial Services, representative XXXX, agent ID XXXX, is just the latest example of the company 's history of misleading, lying, and abusing consumers. Transcripts associated with any account attached to the consumer 's name and credit should be available and accessible for review and legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: The CMI Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX falsely reported a debt owed to Credit Management XXXX of XXXX TX ( XXXX XXXX ). I was contacted by Credit Mgt and responded with documentation that I did not have unpaid debt or service for the dates indicated. Credit Mgt 's response was " We have verified your debt with the client '' and then an additional fee for a router that I never had was added to the original demand for payment. Credit management then reported me to all three credit reporting agencies as a delinquent debtor based on their false information and failure to diligently investigate the information I provided Credit Mgt with. Further, and this relates to the original creditor, XXXX XXXX services, when I telephoned their 'customer resolutions ' phone number -- which was the only way they allowed a cancellation of service -- I was advised that my credit would be 'ruined ' if I tried to cancel service. I know this seems incredible, but when I used the XXXXXXXX XXXX, I found other instances of XXXX  using this same tactic with Credit Management XXXX to retain subscribers. XXXX proudly advertises " No Contracts. '' For me, that meant my service went from a starting rate of {$49.00} to {$99.00} within a short period of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX and I have a mortgage under Citizens One. From when I opened this loan in XX/XX/XXXX to now in XXXX I have been flawless with my payment history and never missed none. On looking at my credit report there was XXXX late payments in XX/XX/XXXX and XX/XX/XXXX which I am 100 % sure I never missed also, I have my mortgage on autopay so this is impossible as to how I was late on my mortgage and never paid my mortgage. I am trying to get my credit fixed up as I am going for another mortgage loan and need this data corrected. Also, I am for certain that there was program going on around the period so these late payments I need cleaned up.

Company response to consumer: Closed with explanation