vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information. I am distressed that Bureau has included the information below in my credit profile and that they have failed to maintain reasonable. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
Credit Bureau must remove this account Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recognize inquires on my TransUnion credit report that I did not authorize or give permission to run my credit report also there were no written form of communication, contract or signature for this accused inquiry at all. According to the FCRA XXXX XXXX, XXXX/ XXXX XXXX & XXXX/ XXXX has violated my rights as a consumer and Im requesting legal action to remove these inquiries immediately

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 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank returned a bill pay payment that I made to them to lower the principal of my mortgage. It was not the full payoff amount, but they decided it was too large of a payment so they sent it back to my bank. They did not notify me. I had to call them to find out they declined the payment. This is resulting in another week of interest being accrued and me having to pay it on $ XXXX. I believe this is unethical and violates fair lending practices. The online bank personnel stated I mailed the payment to the payoff address. This was inaccurate. I mailed the principal payment to the same PO Box I have used for 8 years. I did not send the payment to their payoff location. 

SunTrust case # 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 2021-06-15 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: NC

Complaint narrative:
I saw that XXXX  and TransUnion report my auto lease as delinquent. I verified my payment history and all payments are made on time and in full amount. 

Yesterday I called XXXX XXXX XXXX to validate this report and they told me that in their systems no such record of delinquency exist. 

My wife score dropped with more than 60 points as well as mine. We are suffering consequences of this actions and would like to request your help investigating where XXXX  and TransUnion get their data and how and why they report false information and ruin our financial standing. 

Kind regards, 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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Harris & Harries started calling XXXX XXXX until present XX/XX/XXXX. These are the numbers they use : XXXX, XXXX, I have a listing from XXXX XXXX of how many times they have robo called me already. From XXXX XXXX to XX/XX/XXXX. All robo calls that they did. I belong also to XXXX. This company have been blocking them for me. It's every single day almost. Not even a real person. 
Here is the list that I copied : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX Si I didn't get anything in the mail or whatever. Also caller id said something about being Spam? HARRISAND XXXX Yesterday XXXX XXXX This might be because of my wife or my dad. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express allowed a 3rd party to take over the account. They were notified for a period of more than 3 years about this issue.

Eventually, a Equal Rights complaint was filed notifying this company of the interference of the 3rd party continous and ongoing. CFPB was contacted and notified of the actual account holder being daily denied access online, in person, on the telephone without use of her card or billing statements. American Express ignored the notifications continously and ongoing.

American Express knew or should have known about the blocked account, and the card holder informed American Express but again ignored locking the account holder out for 3+ years.

The account holder is protected from theis type of fraud stemming from the take over on her account, and no access. American Express did not taken any steps to secure the account from fraud and took no steps to correct this issue. American Express is ultimately responsible for the account being taken over by a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: DISCOVER BANK
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER BANK Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I have asked them to provide actual proof the information on my credit report was validated, not a computer-generated confirmation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
If you do not provide me with physical verification of the original signed consumer contract as you are required by Federal Law. 
Under federal law, they had 30 days to complete your re-investigation and furnish me with physical verification of the original signed consumer contract, yet they have failed to do so. 
Consumer reporting agencies must delete unverifiable information. Unverifiable information must be removed within 30 days.

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 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This company keeps contacting me, attempting to collect a fradulent debt. I have attempted to peacefully contact the company 4 times, in an attempt to get them to put me on their do not call list. I am on the national do not call registry, and despite this, they have contacted a total of 31 times. The company that they are claiming to be is Spring Oaks Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: MI

Complaint narrative:
I've submitted multiple disputes regarding inaccurate inquiries on my credit report. I've sent Transunion multiple disputes regarding the following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XXXX XX/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 2021-06-15 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
There are two loans from neivant loans and they keep reselling the loans to collections I have a total of six times the same two Loans are on my credit report and this is since XXXX, shouldnt they have been off my report? This is preventing me and my children from a lot we are entitled to. Ive been XXXX by the state of XXXX since XXXX and unable to use the certificate I recieved for completing the XXXX XXXX course at XXXX XXXX in XXXX, XXXX!!! Totaling up to almost XXXX dollars on my report this is unfair and unjust I have had to higher a lawyer to help me also taking note money out of my pocket as a single mother of XXXX children trying to better our lives but get turned down from so much for example we need a vehicle and I cant get one cause of this situation. My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX last four of social is XXXX please help stop this madness!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2021, I made a credit card payment through my online banking account. I noticed the balance amount was not a good number ; thus, I made an additional payment for a few dollars. The payment was processed immediately. The monthly payment was due the following day XX/XX/2021, which was a Sunday. I sent a message through the online banking system inquiring about the status of the monthly payment, but still have not received a response. Since I live on a fixed income, I could not attempt to make another payment in fear of overdrawing the account. I telephoned the bank on the XXXX, and to my dismay, the monthly payment was not processed and there is no record thereof. So, I made another payment and the fees are as follows : Late Payment Fee {$27.00} Monthly Interest Charge on Cash Advance {$30.00} Monthly Interest Chare on Purchases {$70.00} These Fees Total {$120.00} I telephoned the bank again asking them to waive the fee, and my request was denied since a late fee was waived in XX/XX/2021. 

There is a branch downtown close to where I live so I usually go there to use the atm, and when the atm is not working I go over to XXXX XXXX next door, and I am charged a fee by my bank, Bank of the West, 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 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I received bill from XXXX XXXX XXXX XXXX, {$1700.00}. then i got explanation of benefits from medicare, an my secondary insurance.That was XXXX over a year ago. XXXX accepted the charges an paid their share, an my secondary picked up the remaining, they was responsible for. then i seen where XXXX  XXXX XXXX had turned the account over to a collection agency, I called medicare they gave me the physician phone number of the doctor office that turned the account over to collection. XXXX told me i didn't own that doctor anything. I then called the doctor an they said they would remove the collection. will it should up again this year, XXXX. To me it was possible XXXX XXXX XXXX XXXX was trying to collect more money, by selling the account to collection agency. That i never owned.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested my report to have one name, one address and one employer. I have sent off letters and inaccurate information is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested my report to have one name, one address and one employer. I have sent off letters and inaccurate information is still on my 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 explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC
State: GA

Complaint narrative:
I WAS PROVIDED A COVID RELIEF EXTENSION THAT WAS FOR TWO MONTHS. I WAS ADVISED IT WOULD BE GRANTED FOR THE MONTH OF XXXX AND XXXX WHICH WAS MISCOMMUNICATION ON THE REPRESENTATIVES BEHALF. ME BEING MISINFORMED LED ME TO MISSING XXXX PAYMENT BECAUSE THE EXTENSION WAS ACTUALLY FOR THE CURRENT MONTH XXXX AND THE NEXT MONTH XXXX. IT WAS A COMPLETE MISCOMMUNICATION AND AS SOON AS I WAS NOTIFIED OF THE LATE PAYMENT I IMMEDIATELY PAID THE BALANCE TO CURRENT STATUS. I HAVE REACHED OUT EVERY SINGLE DAY TRYING TO FIX THE NEGATIVE MARKING ON MY CONSUMER REPORTS AS I BELIEVE THEY ARE INACCURATE. NO ONE CAN SEEM TO HELP OR FIX THE PROBLEM I HAVE PAID MY LOAN ON TIME SINCE XX/XX/2019 WHEN I RECIEVED THE LOAN. I HAVE NO LATE PAYMENTS ON MY CREDIT REPORTS OTHER THAN THE MARK FROM MY THIS PARTICULAR ACCOUNT. CAN THIS LATE PAYMENT PLEASE BE REMOVED FROM MY ACCOUNT AS I WOULD ASSURE YOU IT WILL NEVER HAPPEN AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for Transunion, 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 2021-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: DC

Complaint narrative:
I have contacted KIA at least seven times since XX/XX/2021 asking for them to send my title for my paid off car loan. I need to register my car in XXXX so that I can legally drive it. They have not sent the title after numerous requests and several hours on the phone with their customer service department. They claim to have mailed it on XX/XX/2021 but were not able to provide any sort of tracking number for the mailing. I have provided my XXXX account number and asked for them to send the title, to no avail. I need to have my car registered so that I can legally drive it. My car is used as transportation for my XXXX treatments. I am unable to take public transportation and have no other access to transportation. This has caused undue hardship and stress. I don't think that I am asking for something unreasonable. I have been treated horribly by Kia customer service over something that should be a quick and routine process. Please provide assistance if possible. Thank you in advance.

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2021 @ XXXX PM - I received the following notification from " AFFIRM " - ( via email ) regarding an investigation I requested of an unauthorized account. However this account is still negatively reported on my Credit report as of XX/XX/2021 and is impacting my credit score negatively. As a result, I can not refinance my house or car, My Homeowners insurance rates have increased and I have been placed in a status for potential non- renewal, My credit account limits have been reduced, and I can not write even write checks at the grocery store. 

The Email Reads : Hi XXXX, We are writing to you in response to your unauthorized dispute claim and have completed our investigation. Our review has concluded a resolution in your favor. Rest assured, you will not be held responsible for the Affirm loan ( s ) made in your name and the loan ( s ) will be removed from your credit report in our next reporting cycle. Please note most updates take 30-60 days, but in some circumstances may take longer. 

We have also placed restrictions on this Affirm account from obtaining any future loans. 

We sincerely appreciate you contacting us regarding this unauthorized activity. We apologize for any inconvenience this may have caused you. Please do not hesitate to contact Affirm again with any additional questions you may have. 

Best Regards, Affirm Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I was not aware of this debt until I checked XXXX XXXX to find out it was in collections. Upon sending a debt validation letter, the agency sent back some release forms I do not recall signing and an itemized list of procedures performed on me. I understand this disclosure of private health information to be a violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN 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